Insurance you don’t need
News from MarketWatch:

Award-winning broadcast journalist and author Jeanette Pavini writes the Buyer Beware column for MarketWatch and wants to hear your stories, questions, problems and complaints. Write to her at BuyerBewareMKTW@gmail.com.

SAN FRANCISCO (MarketWatch)—Julie Baumann, who lives in the San Francisco Bay area, knows all too well that just because you have insurance, it doesn’t mean you are covered. After years of paying high annual premiums for pet insurance she filed a claim for surgery on her Bernese Mountain Dog. To her surprise, she was told the surgery wasn’t covered and she would be stuck with the $ 6,000 bill.

Baumann isn’t alone. Millions of consumers file claims every year against a wide variety of policies only to find the money they spent on insurance premiums was virtually thrown away. Americans spend more than $ 1.1 trillion on insurance premiums a year, according to the Insurance Information Institute. So, with offers of everything from insurance for your wedding day and your cat to your identity, what is worth your hard-earned cash and what’s not?

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Pet insurance: Considering all the restrictions on most pet-insurance policies, you’d probably be better off setting aside money…………… continues on MarketWatch

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