On the other hand, you can find plans that charge more per month but you get a lot more. The maximum price you might expect to pay for cat or dog insurance would probably be around $50 a month, though this can vary based on a number of factors, including where you live. It will depend on the company, but you can expect a plan that costs more per month to include much more than a lower priced plan. For instance, it may include not only accident, injury, and illness protection, but also routine check ups, vaccinations, and any tests that need to be done. Most likely it will also cover hereditary or preexisting conditions. Some companies even offer bonuses with their most expensive plan, such as paying for kennel boarding fees if you go on vacation or even giving you a certain amount of cat or dog food per month.
Keep in mind that to some extent, you get what you pay for. If you opt for a cheaper plan, you get less coverage. You will be paying less per month, but if your pet were to have a major surgery or accident happen, you would probably still have to pay for a good portion of that with your own money. If you have a more extensive plan you are paying more per month but when you get hit with a large vet bill all or most of it will be covered by your insurance company.
To determine whether or not the cost of pet insurance is worth it, look at what you get with the plan you are considering. Make up a pretend budget of how much you would pay without the pet insurance. Factor in annual vet visits, vaccinations, and at least one major accident or illness. Then compare that to how much you are paying the company per month and how much you are saving. Seeing the numbers may help you to determine whether or not it’s worth it.