[metmom]

Pet insurance is a scam. It starts out feasible and the premiums go up every year to the point where it’s hard to pay. Then when you need it you find they won’t cover the cost. Take the money you would pay on premiums and put it into a savings account

Interestingly, people never consider that option. If it's invested well, it will give a good return.

Then if you don't need it, when the pet is gone, it's yours.

[McGavin999]

Or you just leave it in your pet vet account for the next one.