Your pet is also an integral part of your family and you should treat it so. After a while a pet stops being just an animal and will become a bona fide family member, and you wouldn't let a family member suffer through lack of proper insurance would you. So getting your pet health insurance isn't really all that insane, and in the long run it could even save you money.
How so? Well with the continuing rising costs of just about everything as the years wear on, your health insurance could help to save you from having to spend large sums of money all at once. Think about it, what happens if your pet gets hurt? Perhaps he will break a leg, perhaps he'll have rough-housed with the wrong animals. Then what happens, you need to give your pet good medical care and attention but it's been a few days since your last pay packet, and you've taken out a mortgage on your house.
Do you tell the vet, hey I can afford only this much do the best that you can with that amount. You might be lucky and not get thrown out of the clinic, or you might get laughed at and your pet given a set of common vitamins to take because that will fix all his problems.
Or you could be smart about it and get your pet health insurance to cover for all these unlikely events, and cover all your bases. In the short term it won't cost you more than a few extra dollars, and in the long run at least you can be assured of care being available immediately for your pet should the need arise.
And when your neighbor who only laughed disbelievingly at you when you told him about getting your pet health insurance, laughs even harder when you tell him that it actually came in handy, you can just smile. Because you know that his laugh is slightly strained, since his cat is even now recuperating from coming into contact with something that was harder and faster than it was, a car crossing at the intersection.
You got your pet health insurance and now your pet has the best of all medical facilities at his disposal, while your neighbor had to pay through his nose to get his cat's bones back together and splinted. And don't forget the cost of medications! Now who's having the last laugh.
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