I have pet insurance on my 4y lab, and have since the day I brought her home. In between undergrad and vet school I worked as an ER tech and had way too many conversations consisting of "Hello XX person I just met 15 minutes ago. You now have a $2000-$4000 bill that you didn't know you would have when you woke up this morning." Things WILL pop up with your dog. Even if it's just something little, by the time you leave the ER you're likely looking at easily $800+ for the exam, bloodwork, x-rays, and medications. If they need hospitalization, you're looking more around 2k EASILY.
I have gotten discounts from employers for the past 5-6 years, and even with them I still pay 44$ a month for pet insurance. I am insanely broke right now, but it's really nice peace of mind knowing that if something happens, it will be covered.
I have pet plan, get 90% reimbursement after a single $300 deductible per year. I don't make a dime off telling you this. I recommend pet insurance to just about everyone that walks in the door, especially the younger clients around my age. We sure as shit can't drop 3-4k on a knee surgery.
By getting pet insurance when your dog is a puppy, there shouldn't be any "pre-existing conditions".
There has not been a year where I paid more into pet insurance than they paid me back. Lily had surgery as a 5mo puppy for elbow dysplasia, then again as a 2yo for a foreign body (it turns out that labs eat shit), and has had tons of work-up for IBD in the past year and a half. All I am saying is that even knowing what I should know, things happen with dogs. It is really nice knowing that when the unexpected happens, you won't be stuck making a difficult decision.
Hope this helps, y'all feel free to PM me if you have questions. I am in no way pimping for pet plan (because they don't pay me), but I have been done right by them time after time for the past 4 years.
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