If you’ve ever taken a sick pet to the vet’s office, you know the pain of seeing your four-footed family member hurting. Then, of course, comes the secondary anguish of figuring how to pay for their veterinary care, which may have you wishing you’d ponied up for pet insurance.

While Insurify reports that the average cost of a routine vet visit is about $138 for a cat and $214 for a dog, emergency veterinary care can run the gamut from $300 to $10,000, according to Marketwatch.

The insurance industry touts pet insurance as the financial solution to the high cost of veterinary care. Like human health insurance, you pay monthly premiums so that your pet insurance will help cover veterinary bills for your dog or cat (and in some cases for your exotic pet) when you make a claim.

But is pet i

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