I hear ya. Decent pet care is expensive [so isn't crappy vet care] :(
And I don't have the discipline for a *pet health savings account* ....life happens, in this household.
What irks me, is that the pet insurance company, seems to find *loopholes* to avoid paying a claim; seems that these reasons come and go with a whim. That part, makes me uneasy.
The only “loophole” in Trupanion is the requirement that all insurers all have.
No coverage for pre-existing conditions.
My dogs had their policies from the day they came home as tiny babies, thereby circumventing that loophole completely.
They had to go to the vet for a checkup to get their insurance and the vet found them sound.
So, they have *no* pre-existing anythings.
Trupanion has THE best and most comprehensive coverage for everything.
Genetic diseases, injuries, you name it, they cover it, except for stuff like preventative care. such as shots or worming.
Odin needs periodic thyroid panels and they pay for them, too, as he did not have thyroid issues until a year after his policy went into effect.
For instance, both Seven and Odin have gone for x-rays when I thought they ate something awful.
Fully covered.
*If* they’d needed surgery, that also would have been covered and we’re talking $3000-5000 worth of work.
This is what keeps me from becoming a nervous wreck all the time...my dogs will be taken care of, no matter what.
:)