Is pet insurance worth it?

Pet insurance is most useful for unexpected, expensive vet bills: an emergency surgery or a long-term illness can cost thousands.

It tends to be best value when you insure a pet young, before any conditions develop, since pre-existing conditions are usually excluded.

Compare the deductible, reimbursement rate and annual limit, not just the monthly price.

If you would struggle to pay a large vet bill at short notice, insurance can mean saying yes to treatment without worrying about the cost.