如果你曾经被兽医开出的高额账单刺痛过，宠物保险似乎很有吸引力。但每天自己存一美元可能也同样有效，不用的钱也不会白白浪费。

通过普通简的形象。

客座作家塞拉•布莱克（Sierra Black）在个人理财博客getrich Slowly上提出这样一个假设：尽管她和一只她深爱的绝症猫有过这样的经历，但她还是无法为宠物保险掏钱。她的逻辑选择是将保险的平均成本存入储蓄账户：

• Pet insurance costs about $1 a day. That's $365 a year. My cat's medical care typically costs about $300 a year. I can readily save that money myself.
• Routine care isn't covered. While an accident or serious illness could suddenly befall my cat, routine care is the bulk of expenses I have ever paid for a cat. It's true that a sudden illness could escalate those costs dramatically. This just happened to M***ter as he was dying. After 15 years of cat tending, though, I have a decent sense of how much it costs on a day-to-day basis, and how common these expensive accidents or illnesses really are.

正如韦斯特所指出的，真正做到这一点需要纪律和意志力，而不是把积蓄花在花哨的饮料上。但是，如果你能自动取款，你基本上有自己的宠物保险，将涵盖大部分费用。

宠物保险：值得吗慢慢致富