Good discussion on the ame subject here http://ball-pythons.net/forums/showt...ce-for-my-BP-s
Your cost would be 134.28 a year and if your animal is healthy (less face it health issues with BP are not something that occur often) you would lose that money each year.
BP actually have a life expectancy of 40 years so do the mathm that 5371.2 that you will never see again.
You have an animal and want to think about the what if and that is great, all you have to do is save a little each month and dedicate that money to any issues that may arise to your pet, and if nothing happens then you still have that money.