Just like Medicare doesn't cover the things that older humans need -- eye glasses, hearing aides, and dental care -- pet insurance generally doesn't work out so great either. Consumer Reports says only in uncommon cases, when a pet required very expensive care, would pet insurance coverage pay for itself. One issue might be the lack of competition. Three companies control 90 percent of the pet insurance market.
Consumer Reports used the lifetime vet bills of Roxy, a 10-year-old relatively healthy beagle, to test whether pet insurance was a good deal. They adjusted Roxy's total bills into present-day dollars and asked the insurers how much their policies would have covered. None of the nine policies they compared would have paid out more than the projected premiums. The picture changed a bit when some hypothetical illnesses were added to Roxy's medical history: chronic arthritis, incontinence as a result of spaying, hypothyroidism, the removal of a benign tumor, and euthanasia. In that case, some policies returned a positive payout. Uh, euthanasia? Isn't that what we are hoping to avoid?
5. Where we go, they go.
Just a decade ago, only 19 percent of owners took their fur babies with them on road trips. Now that number has more than doubled to 37 percent of owners. And after all, retirement is for travel, right?
How to vote
Vote-by-mail ballot request deadline: Varies by state
For the Nov 3 election: States are making it easier for citizens to vote absentee by mail this year due to the coronavirus. Each state has its own rules for mail-in absentee voting. Visit your state election office website to find out if you can vote by mail.Get more information
In-person early voting dates: Varies by state
Sometimes circumstances make it hard or impossible for you to vote on Election Day. But your state may let you vote during a designated early voting period. You don't need an excuse to vote early. Visit your state election office website to find out whether they offer early voting.My Election Office
General Election: Nov 3, 2020
Polling hours on Election Day: Varies by state/localityMy Polling Place