 Because then it's really hard to get coverage to the point where it's almost not worth it because the money you're going to need to spend on taking care of your pet is going to have to come almost entirely out of your pocket, which will make pet insurance completely not worthwhile. So the caveat is if your pet's young and healthy, pet insurance is a good expense. If your pet is sick or older and it just has a lot of expenses associated with it, your pet insurance isn't going to help you. You'd rather put that money into a savings account