Pet Insurance

Coverage: Accidents ฿10,000-100,000, Illness ฿20,000-200,000, Surgery ฿30,000-300,000, Death/Loss ฿5,000-50,000. Monthly premiums: ฿200-2,000. Most exclude pre-existing conditions, breeding, cosmetic procedures.

Worthwhile if: High-risk breed, young pet (insure early), can't afford ฿20,000+ emergency bills. Not needed if: Older pet (premiums high), can self-insure, breed with few health issues. Break-even typically 2-3 years.