Join Date: Feb 2016
Location: Boston, MA
Mentioned: 2 Post(s)
Quoted: 22 Post(s)
Thanked 145 Times in 77 Posts
I have Healthy Paws for Mochi. I had gotten it less than a week after he came home, but in between the waiting period he developed colitis, so therefore they will never cover any treatment for colitis for the rest of his life (pre-existing condition). Therefore it's very important to get it as early as possible...
Our insurance covers accidents/illnesses but not doctor's visits (well or ill), and no routine (vaccines). I consider those to be the investment you have to make if you want a dog.... but it will pay for meds, MRI, Xrays, any treatment (cancer + hip dysplasia included).
I have a $250 deductible (per year... some insurances have deductible per incident or per "illness" so research on that), and we chose our coverage to be 90%. MOchi is 7 months and so far I'm paying $44 a month roughly.
I had a previous dog who was healthy all throughout but his last day with us cost me $4000 in lab work and other exams to rule out different DX (didn't even include treatment because his prognosis was so slim and he was 14.5yo, and the vet thinks he had a ruptured tumor in his abdomen)... if I had insurance back then it would have been worth almost all the premiums I would have paid for him.....
God forbid Mochi was to develop one of those illnesses I don't want to be making the one weighing pros and cons.