this post was submitted on 06 Oct 2025
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I had pet insurance because my dog eats things that aren’t food but it tripled in price and I couldn’t afford it anymore especially since it didn’t help with this non-emergency needs so I started putting the money aside in a savings account and it was super useful. I have money set aside for his vet care and it earns interest. Not a lot but I feel comfortable that if he eats something and, we’ll be able to get it taken care of.
I don’t think it’s going to be a good idea for everyone to do it but I do think it is a good strategy in some situations.
I have been putting £60 a month aside for my 2 cats since they were born 14 years ago.
After 12 years, one of the cats got bladder stones. It took some effort to diagnose at first so he had blood tests, urine tests, more extensive blood tests, several vet visits and 2 x-rays. Once diagnosed, surgery was arranged and the stones were removed.
This completely wiped out my cat health fund.
I continued to put the money aside, and then the same cat developed diabetes. So I now have another monthly bill of ~£40 a month for insulin and needles.
My recommendation is to get insurance. Its always a gamble, but that money you spend on insurance could offset 1000's in vet care.