Pet insurance is often presented as an easy yes for responsible pet owners. The pitch is simple: pay a monthly premium now so you are protected from a much larger vet bill later. And sometimes, that is absolutely the right move. But there is another side to the story that does not get talked about nearly enough: pet insurance is not always worth it. Depending on your pet, your finances, and the kind of policy you are considering, you may wind up paying a lot in premiums for coverage that does not help very much when you actually need it. More…