Pet Insurance: Is It Worth It? — Ongoing Calculations (2021 — Current)

Writ­ten 6/19/26; Updat­ed 6/19/2026

What

Explor­ing the life­time cost of pet insur­ance for my dog

Why

To fig­ure out if it’s worth the mon­ey

Dog Profile


Age: 2020 — Cur­rent (6 Years)

Species: Dog

Breed: Mixed (Coon­hound mix)

Size: 70 lbs

Pre-Exist­ing/­Ma­jor Health Con­di­tions: None

Pre­dict­ed Health Issues: Noth­ing spe­cif­ic, she’s a mixed breed

Insur­ance Cov­er­age: 2021 — Cur­rent

Cost

As of: 6/19/2026

YearBase Pre­mi­umWell­ness Rid­erFees*
2021 (1yo)$406.85$248.40-
2022 (2yo)$406.85$248.40-
2023 (3yo)$450.83$277.50$2.00
2024 (4yo)$527.80$277.50$3.25
2025 (5yo)$946.05$277.50$3.25
2026 (6yo)$1,161.14$277.50$3.25

*per month­ly install­ment

Pre­mi­umRid­erFeesGrand Total
$3,899.52$1,606.8$141$5,647.32

Coverage Analysis

Major Medical Base Premium

Base Pre­mi­um TotalReim­burse­mentCov­er­age (%)
$3,899.52$191.225%

Wellness Rider

Well­ness Rid­er TotalReim­burse­mentCov­er­age (%)
$1,606.8$1,180.0073%

Overall Total

Total CostReim­burse­mentCov­er­age
$5,647.32$1,396.2225%

Conclusion

Any insur­ance is a gam­ble. You have it just in case that major thing hap­pens, because you nev­er know.

Before this dog, I had 2 pure­bred dogs that end­ed up with major issues at the end of their lives. I thought I could just set aside mon­ey for them, but in the end, it was­n’t enough. Enter this dog in 2020 as a pup­py. I decid­ed right off the bat to get her insur­ance, despite her being a mixed breed which are known for being healthy ani­mals. Did­n’t think I’d ever use it. To date, I’ve used Major Med­ical for her twice (once at an E‑Vet for $23 out of $200 cov­er­age, and the oth­er for an ear infec­tion for full cov­er­age of $130). In total, they’ve paid out $191.22 for the $4,040.52 (includ­ing fees) that I’ve put into the “just in case” plan. This means, I’ve giv­en them $3,849.30 in their pock­et in 5 years. That’s $769.86 per year!!

I was unsure about the Well­ness Rid­er when I first signed up yet decid­ed to try it, any­ways. Once you get rid of it, you’re nev­er allowed to have it again for the life of your dog. Now, 5 years lat­er, I do not rec­om­mend the Well­ness Rid­er. Insur­ance is a gam­ble, but there’s no gam­ble about pay­ing out for rou­tine pre­ven­ta­tive care. So far, it’s cov­ered 73% of my claims, mean­ing that I’ve giv­en away (as of today in June 2026) $426.80, total, to the insur­ance com­pa­ny. That’s $85.36 a year. There’s noth­ing they cov­er in full, so, no, there’s no rea­son to have it. I could have put that mon­ey away and invest­ed it, instead. Now, I have to say that I’ve only ever had to give my dog a dewormer med­ica­tion (Insur­ance paid $25 of the $49.24) and some ear med­ica­tion (insur­ance cov­ered the $24.82 in full) noth­ing more. I also don’t use the phar­ma­cy card dis­count (through Wal­mart) because she real­ly does­n’t need reg­u­lar med­ica­tions. Yet.

What will I do now? Giv­en that the pre­mi­um jumped $100 to $420 to $250 a year from 2023–2026? I don’t know. It’s com­mon that insur­ance jumps as years progress (just look at human insur­ance), but as she only gets old­er, how high will it go? I am ashamed to admit that I nev­er noticed how high it got since I start­ed; just assumed that it would go up or I was spend­ing too much some­where else. DANG, though!! Orig­i­nal­ly, I was going to play this all the way through her life and do the cal­cu­la­tions, and decide whether it’s worth it or not, but… at this rate, I’m bet­ter off just sav­ing the $855.22 a year they pock­et from me and invest­ing it! Espe­cial­ly if I only get back 5% of it and the rest is going to some­one else. The ques­tion is: what will she need in the future? It’s hard to know… Just one surgery could wipe me out. And we all know how cost has only sky­rock­et­ed in recent times for every­thing…

Com­mon Dog Pro­ce­dures (Depend­ing on where you live)

  • Spay/Neuter: ~$300 — $500
  • Den­tal: ~$800 — $3,000
  • Lumps/Tumors: ~$800 — $2,000
  • Bloat: $2,000 — $8,000
  • Slipped Disc: $6,000 — $11,000
  • Joint Surg­eries (e.g. hip dys­pla­sia): ~$3,000 — $10,000
  • Can­cer: $1000 — $10,000+

When you look at it like that, one major surgery may pay for your dog’s entire life’s worth of insur­ance pre­mi­ums… If, the insur­ance com­pa­ny does­n’t drop you the instant you try to make a major claim, of course.…

In a way, I’m won­der­ing if the insur­ance com­pa­nies try to out­price you so that you drop before they have to pay out big time as the dogs get old­er. They make more mon­ey off of young dogs with min­i­mal health prob­lems, after all. I have to decide, now, if I want to just drop the well­ness rid­er and con­tin­ue with major med­ical, or if I just drop it all togeth­er. I don’t know!! My dog means a lot to me. I had it hap­pen before where I said that if my dog need­ed that much mon­ey in pro­ce­dures, I might just put them down. How­ev­er, when I was faced with that very sit­u­a­tion, I decid­ed I would rather be in debt than give up on that dog. He made it anoth­er 3 hap­py years with me. 100% worth it.

DIY: PVC and Hardware Cloth Garden Plant Enclosure + Winter Cover

writ­ten 8/5/2024, updat­ed 9/6/2025

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Overview

What

Tem­po­rary/dis­as­sem­bly-pos­si­ble enclo­sure for patio and deck plants using PVC pipe and hard­ware cloth, fea­tur­ing doors

Why

Thiev­ing squir­rels, birds, and deer yet still allow­ing pol­li­na­tors, air, sun, and rain through

Time and Effort

Time: Sev­er­al hours to 1 day (maybe more)

Dif­fi­cul­ty: Mod­er­ate (depends on your equip­ment and mate­r­i­al sit­u­a­tion)

This is what start­ed it all. My beau­ti­ful can­taloupe brazen­ly stolen and eat­en right in front of my eyes by a crafty yet cute squir­rel

Materials and Cost

All mate­ri­als bought from Ama­zon and Home Depot

Mate­r­i­al

1″ 4ft PVC Pipe

1″ 6ft PVC Pipe

16-gauge 2′ x 50′ Hard­ware Cloth Roll

200′ 16-gauge Gal­va­nized Steel Wire

1″ PVC Hinges

1″ 90 Degree Elbow Fit­ting

1″ 3‑Way Fit­ting

1″ Tee Fit­ting

Cab­i­net Hard­ware Pulls

Quan­ti­ty

12 pipes

5 pipes

31ft

0.5 Roll

4 Hinges

8 Fit­tings

8 Fit­tings

2 Fit­tings

2 Pulls

TOTAL

Use Price

$80.40

$43.99

$24.80

$3.97

$36.68

$11.84

$26.00

$3.94

$4.38

$236.00

Owned Sup­plies:

Nee­dle Nose Pli­ers

Lines­man­’s Pli­ers

Diag­o­nal Cut­ting Pli­ers

Ratch­et­ing PVC Cut­ter

Sharpie

Mea­sur­ing Tape

Dig­i­tal Calipers

Rub­ber Mal­let

Bits/Driver

Screw Gauge

Planning and Schematics

Note: Draw­ings not to scale

Dimen­sions (L x W x H)

Out­er Dimen­sions: 45″ x 22″ x 53″

Door Dimen­sions: 20.5″ x 49″

Fit­ting Dimen­sions

3‑Way (For­mu­fit brand — 8 qty)

1¼ ” + 1⅜” = 2⅝” length

1.25in + 1.375in = 2.625in

90 Degree (Char­lotte Pipe brand — 8 qty)

1½” + 1⅛” = 2⅝”

1.5in + 1.125in = 2.625in

Tee (Char­lotte Pipe brand — 2 qty)

⅞” + 1⅜” + ⅞” = 3⅛”

0.875in + 1.375in + 0.875in = 3.125in

Pipe Lengths

Remem­ber that the ends of the pipes will fit into the fit­tings. All mea­sure­ments are approx­i­mate. Actu­al item dimen­sions may vary

Out­er Frame

42″ pipe (4 qty) — Length

19″ pipe (4 qty) — Width

50″ pipe (5 qty) — Height

Doors

17.5“pipe (4 qty) — Width

46.5″ pipe (4 qty) — Height

Over­all Weight

1 in, 4 ft PVC pipe = 1.4lbs

Over­all Weight of Enclo­sure: ~37lbs

Author’s Note

From start to fin­ish, con­cep­tion to assem­bly, this took a total of 3 days of time. Not count­ing wait­ing for parts, choos­ing parts, etc. The idea start­ed way back in 2022 when I was hav­ing issues with squir­rels steal­ing my toma­toes. I dreamed up and drew up plans, even going as far as to buy­ing much of the mate­ri­als to do it (orig­i­nal­ly out of wood and com­pos­ite wood). How­ev­er, the squir­rels quit steal­ing my stuff until this year when my veg­eta­bles and fruit dis­ap­peared one by one. The final straw was the baby can­taloupe! WARTIME. Since it would be placed on the deck instead of the ground like the orig­i­nal plans intend­ed, I need­ed a less weighty option and there­fore chose PVC pipe. Armed with the orig­i­nal plans, I altered them. You can plan all you’d like, but doing is com­plete­ly dif­fer­ent! So start­ed the 3 day-total-time jour­ney (real­ly, it took about a week wait­ing for all the pieces). Many, many cal­cu­la­tions, mis­cal­cu­la­tions, frus­tra­tions, and even blood shed­ding lat­er, I’ve — at this writ­ing — most­ly com­plet­ed the project. Just a few minor tweaks and a test run before final­iz­ing the hard­ware.

Over­ar­ch­ing Ques­tion: Does it actu­al­ly work???

As of August 2025: YES, IT WORKS suc­cess­ful­ly against thiev­ing squir­rels! They tried, hard with no suc­cess! (see Notes sec­tion for more)

Process

Gathering Supplies and Equipment

Need­ed: Han­dles, PVC pipe, Ratch­et­ing pipe cut­ter, PVC fit­tings, hinges

Calculating, Measuring, Cutting, Assembling the Frame

Eas­i­ly the most time-con­sum­ing part. Using the spe­cial­ized PVC cut­ter and also a dig­i­tal caliper saved a lot of time. Just set­ting up the frame is easy. The hard part is fit­ting the doors prop­er­ly with­out cre­at­ing too much of a gap (try­ing to pre­vent crit­ter entry after all) around the door and frame while remem­ber­ing that the fit­tings add more length to each side (cal­cu­la­tions are done for you already in the schemat­ics above). On top of that, there’s the con­sid­er­a­tion of hard­ware cloth size to make as the hard­ware cloth is best wrap­ping around the pipe. If this was wood, it would be eas­i­er to just cre­ate a remov­able frame around the out­side of the cloth. Lots of re-mea­sur­ing and re-cut­ting until I got it right (or close enough).

Use a rub­ber mal­let to make sure the pieces are snug in the fit­tings

Hinges and Handles

This was more com­pli­cat­ed than it need­ed to be. Hard­ware includ­ed with the (unthread­ed) cheapo Han­dles are just too short to span the 1 in width of the PVC pipe. With­out buy­ing more or hav­ing to run out to a store, I delved into my giant box of ran­dom screws. Thank­ful­ly, I man­aged to find 4 that were both long enough and the right size (screw and thread gauges are use­ful). The Hinges snapped eas­i­ly onto the PVC and most­ly stay in place. And no won­der they stay in, because it gouges the plas­tic like no oth­er if you remove and slide them around, so make sure you’ve mea­sured where you want them first.

WARNING: Fas­ten any hinges before fas­ten­ing han­dles so that the han­dles are ori­ent­ed prop­er­ly, or at least mark loca­tions well. Because I wait­ed a year, my han­dles are now in a wonky ori­en­ta­tion

May 2025 — Hinge Per­ma­nence

Final­ly decid­ed to screw in the hinges. I was way too lazy to take the entire cab­i­net apart for the win­ter, but it end­ed up endur­ing the win­ter just fine

Used an 1164″ bit, lined up the hinges on the pipe, and went for it. End­ed up using ran­dom screws that I hap­pened to have, so they’re all mis­matched and end­ed up rust­ing over the sum­mer

Attaching the Hardware Cloth

This is 16-gauge hard­ware cloth which is hard to find in stores (at least where I am). It’s big enough to allow pol­li­na­tors, water, and air into the enclo­sure, but small enough to thwart rodent and avian rob­bers. This was the lim­it­ing fac­tor for size of the enclo­sure as the cloth I used was only 2ft wide (they sell them larg­er). And no, chick­en wire is not rec­om­mend­ed. Not only are the holes too large, but the wire is weak. Also, to note, because this enclo­sure sits on the deck, there is no need for bot­tom cov­er­age. If I were to use the wood­en schemat­ics made to sit on the ground, then it would be ful­ly enclosed by wood, or extra cloth would need to be sunk into the ground (1–2 ft deep) to deter dig­gers.

The exceed­ing­ly time-con­sum­ing and phys­i­cal­ly painful part of this was the issue of how to attach hard­ware cloth to PVC. With­out spend­ing a for­tune, I decid­ed on a roll of gen­er­al-pur­pose gal­va­nized steel wire and some pli­ers. How­ev­er, giv­en how long it took to secure every­thing (5 hours! In the bak­ing sun and even through a short down­pour), I’ve been think­ing of a bet­ter attach­ment method (See NOTES sec­tion)

Twisty-ties from let­tuce are nice and long
Nav­i­gat­ing cor­ners
Cut to bend
Over­lap­ping pieces
Tem­po­rary twisty ties to hold two ver­ti­cal pieces of hard­ware cloth togeth­er
Bend­ing these under
3rd lay­er of over­lap (top, back, and side)
Twisting the Galvanized Steel Wire with Pliers

After much tri­al and error, I found that this was the fastest way (at least by hand) to tie off the 16-gauge steel wire (per­haps I should have used some­thing small­er)

Cut
Thread and ori­ent
Grab with line­man’s pli­ers
Twist
Keep twist­ing (be care­ful, though, twist­ing in the same spot too fast and hard will snap it)
Tight

Fun fact: If you feel the met­al after twist­ing, it’ll feel real­ly hot

Grab some nee­dle nose pli­ers and bend it away from pok­ing peo­ple
Safer!

Keep Going Until Completion

What’s annoy­ing is that tying off the hard­ware cloth with wire will cause ran­dom pock­ets where it bows out. Just keep on until every­thing is secure. Be aware that the ends of the hard­ware cloth and the steel wire are very sharp!

While the cam­era did­n’t focus on it, cut out pieces to make room for the han­dles
Trim­ming excess of doors
Trim­ming ends to pre­vent scratch­ing of feet or deck
Where doors meet. While does­n’t look ide­al, it works because touch­ing wire acts like a latch to hold them togeth­er
Hinges can still be manip­u­lat­ed since they’re not yet screwed in
Note the spac­ing between the hinge hard­ware. You can open or close the space just by twist­ing the hinge (hence why it has­n’t been secured until the end)

Complete!

Most­ly. No lock­ing hard­ware yet. Com­ing back to this 2 years after the fact, I’m still hold­ing strong with just a ball bungee through the 2 han­dles.

Wel­come home, can­taloupe plant!
3 total bungee cords to hold in place while in test­ing phase. Works real­ly well
Giv­en the space at the bot­tom where some­thing can push its way in, all I did was place a spare paver brick and voila!

Winter Cover

The aim was to have it decon­structable, but I was too lazy, so I decid­ed to use it as sort of a win­ter­ized green­hou­se­ish thing. My region is Zone 7B USDA har­di­ness. Two options (so far) for win­ter­i­za­tion.

Plastic Sheeting

Suit­able for mild win­ters with low dura­tion freez­ing peri­ods, about 20–40F.

Mate­r­i­al

6 mil Green­house Plas­tic Sheet­ing 12′ x 25′ (much too large)

Zip Ties

Pack­ing Tape (for cor­ners)

Pic­tures!

Plas­tic Sheet­ing. I bought entire­ly too much. Prob­a­bly need­ed half of that.
6 mil thick­ness
Zip tie secur­ing and tape for the cor­ners
Cut it off for neat appear­ance
Left open­ings around seams for ven­ti­la­tion and access
Poked a few drainage/vent holes in the top with a screw­driv­er

Plastic Sheeting Winterizing Results

2 months: hard freeze ear­ly Decem­ber for 1–2 weeks, and it’s dipped as low as the teens. So far so good. The plants seem to be doing just fine in there. I have hard neck gar­lic, straw­ber­ry, my blue­ber­ry plant, and onions.

Post-Win­ter: For about 5ish years, the win­ter had been pret­ty mild. 2024–2025 win­ter was nor­mal for this area which trans­lates to peri­ods of very cold and snow. Unfor­tu­nate­ly, that meant that my plas­tic lay­ers did NOT work well enough. If tem­per­a­tures stay around 20–40F, then the plas­tic is fine. If there are hard freezes for extend­ed peri­ods of time, this is not good enough. All of my plants died except the straw­ber­ry which did­n’t mind at all and looks amaz­ing (in a 10-gal­lon fab­ric pot). The blue­ber­ry most­ly died but final­ly start­ed sprout­ing new shoots from the root late June 2025. I was dis­ap­point­ed and will update again this fall when I set up the new ver­sion of this using hard plas­tic walls instead of the sheet­ing. Stay tuned!

Twin-Wall Polycarbonate Sheet

4′ x 2′ x 0.24″ Poly­car­bon­ate Green House Pan­els. They’re a rigid plas­tic sheet­ing that are shat­ter­proof which sup­pos­ed­ly allows them to with­stand severe weath­er, and keeps the green­house both warm in the win­ter and cool in the sum­mer. The work­ing tem­per­a­ture range is: ‑42°F to 248°F (-44°C to 120°C)

Stay-tuned! I will attempt to attach this to the struc­ture and report when I’m suc­cess­ful!

Notes

9/2025 — Added a snap-on door stop made with a 3D print­er to pre­vent the doors from swing­ing too hard inward. Easy to drill and per­ma­nent­ly attach to PVC pipe if desired. Through­out the grow­ing sea­son, had plants inside then enclo­sure that were able to be pol­li­nat­ed no prob­lem. Doors made it easy to access plants. End­ed up mov­ing the corn plants inside after squir­rel rob­bery. The enclo­sure was a tad too short for the corn, so tas­sels extend­ed out, but suc­cess­ful­ly thwart­ed squir­rels that tried hard to get into the corn (they oblit­er­at­ed the corn tas­sels try­ing to pull the entire plant out). Suc­cess!! Just bought the poly­car­bon­ate pan­els for a new attempt at cre­at­ing a cold frame for the win­ter. Still have yet to attach actu­al door latch­es and am still using a ball

Ball Bungee Cord is easy to use
Door stop that just snaps onto the PVC. Can be per­ma­nent­ly fas­tened. This is not at the moment

August 2024 — It’s been almost a month since test phase start­ed, and squir­rels have left it com­plete­ly alone. No evi­dence of rot­ting, so good air­flow, pol­li­na­tors busi­ly doing their thing, vines climb­ing the cloth like a trel­lis… alto­geth­er very hap­py with its func­tion. Even the bungee cords per­form well and are easy to remove. Still have not secured hinges or installed latch­es… and I’m not sure I want to. It would make for a refined prod­uct, but the bungee cords work well.

August 2025 — Squir­rels robbed me of corn, so moved the pot into the enclo­sure. SUCCESS!!! First true test against the rodents. They des­per­ate­ly want­ed the corn, but could not get in. They even tried to pull the corn up through the top by yank­ing on the tas­sels. All that did was rip the tas­sels off the plant. They nev­er got inside! Yay!! It WORKS!!!

If I were to do it again, I would do sev­er­al things:

  • Buy hard­ware cloth that’s wide enough to not need so much over­lap. Like, one that can span from one side, to the back, and to the oth­er side. The top can be sep­a­rate.
  • If using the gal­va­nized steel wire method of attach­ment, then buy a Wire Twister Tool for Drill. Not only would that save tons of time, but phys­i­cal fatigue
  • Mea­sure the place­ment of the hinges before snap­ping them on
  • Paint it green or brown. White is so stark in the gar­den! Or if you have expend­able income, then buy For­mu­fit’s col­ored PVC
  • Fig­ure out a dif­fer­ent way to attach the hard­ware cloth (Ideas are all expen­sive yet remove­able: 2in Rub­ber Cable Clamps, 2 in Binder Rings, 6in Steel Wire Twist Bar­rel Key­chains, etc.)

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