Pet insurance is only cost effective if you get it when your dog is a pup. After that, they stick it to you.
Our lab, Morgen, was our cash cow. She had one surgery for a gastric torsion that cost $2700. Our dogs are our kids, though, so they are going to get the care that is required regardless of the cost.
Mine was almost double that and I swore I'd never put another one of my dogs through that ever again. The General, Bloodhound pre Sweet Pea died 36 hours after this surgery and I was called at 2AM that he was torsing again. I had to make the decision. I got home about 7AM. It was horrible!
You're exactly right about the pet insurance.
Anyway, Sweet Pea had a little fainting spell this week and I didn't say anything because sometimes that is just the way it is. But, she's fine! Wahoo~~~~~~~~~~
Happy, healthy animals are little gifts of joy!
May All Y'all's pets give you a little nudge of affection this evening!! And, may you reciprocate~~~~~ ;-)