What is a good pet insurance?

What's a good pet insurance that will pay up front for emergencies without paying up front.?

• what is a highly repeatable pet insurance company that will pay the vet fees up front without being reimbursement and having to pay the vet bill first with your own money.

• Answer:

  I found pet insurance to be a complete waste of money. Better to self insure. I have 2 dogs I adopted from the shelter when they were 3 months old. Premium on pet insurance would be $50 a month per dog. That's $100 a month total and $1200 a year. My yearly vet visit and shot is less than $100 per dog. So, no point in purchasing pet insurance to cover that. Pet insurance did not cover breed related illnesses. Therefore, when my GSD mix developed hip dysplasia...pet insurance would not have covered that. She dislocated her hip twice ($400 to reset) and had to have surgery ($1600) at 4 years of age. Sounds like a lot...right. Wrong. At $50 a month for 4 years I would have paid $2400 for pet insurance that did not cover this anyway. By self insuring, I paid $2400 for it all. Pet insurance would not have given me an advantage. So...how do you self insure? You go to your bank and you set up a savings account. You have your bank take the amount of money you would have paid on premium from your checking account each month and put it in the savings account you just set up. This is you "pet emergency fund". You only use money from it for pet emergency expenses. period. At $50 a month, you'll have a nice little sum saved up to handle your pets vet expenses. I also have my "working savings" account. This is the account I save in but can access for my expenses and things. Repairs at the house or just need a couple hundred to get me to pay day.