They are interested in making money, which translates into denying claims whenever possible.

If you feel that you are in the financial position to absorb a rare but large veterinary bill of say three thousand to five thousand dollars, I would take the gamble.

What are the pros and cons of purchasing pet insurance? Pet-friendly parks and dog parks, pet friendly walking paths with waste disposal receptacles, leash and vaccination laws to protect your dogs from other dogs, control strays so your dog is protected, places for dogs to be housed outside, similar to the runs that larger stores, like Cabela's supply patrons, possible water sources for dogs to drink from on the walking paths.

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Socialize and train your pet with positive reinforcement techniques when it is young, so that it is less likely to develop behavior problems when it is older.

Set aside some savings in case your pet does develop a medical or behavioral problem, so that you can act on it quickly.

My experience with pet insurance is largely anecdotal, since I never buy it for my companion animals.

The pros are that insurance can cover many unexpected health problems, like accidents and illnesses.

So if you are going to buy insurance, it is best to get it before any health problems crop up.

In any event, if one is considering pet insurance, s/he should shop around and make sure to understand the details of what is covered, what the deductible is, and how claims are processed and paid.With pet parents in mind, Wallet Hub’s number crunchers compared the creature-friendliness of the 100 largest U. Scroll down for the winners, expert pet advice and a full description of our methodology.For the right reasons, pet ownership can be a personally fulfilling endeavor.It is wise to consult your veterinarian on what insurance they accept and would recommend.My general view on insurance companies of all kinds is not a favorable one.What tips do you have for individuals and families looking to own pets without breaking the bank? Do not get breeds with known problems, such as a Dachshund with back problems. Have money saved for things like vaccinations, heartworm tests and preventive, dental cleanings before they are needed. Some policies cover more routine stuff but are more expensive, others only cover true emergencies, but most do not cover the whole bill, even if a certain procedure is covered. It can be a good thing if the consumer knows what is covered, and if it is purchased before any pre-existing conditions.