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Pet Insurance vs Vet Savings: Which Wins?
Compare five years of insurance premiums against a do-it-yourself savings fund — with your pet's real numbers.
About your pet
5-year verdict
Dog · age 3
Self-insuring wins
Over 5 years, a savings fund saves you about $500 based on these numbers.
5-year cost comparison
Total insurance premiums (60 months)$2,700
Total reimbursed by insurance$2,200
Net cost with insurance$4,500
Cost of self-insuring (paying vet bills directly)$4,000
Heads up: your emergency fund of $2,000 may not cover a single major emergency ($3,000+), which is exactly the risk insurance transfers.
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