There's plenty of threads about pet insurance for cats, but pet insurance for dogs is generally more expensive.
A visit from a relative went awry and Beast ended up eating a shish kabob (including the skewer) and it took 3 emergency visits, 2 x-rays, and an endoscopy to remove the skewer. The sharp end of the skewer was a 5-inch piece, which could have killed him. It was a $1764.97 ordeal. Since he likes to eat things I think pet insurance would be a good idea. He's already 6 so the prices are a little high and he has notes on his records about possible dental disease so that would count as preexisting.
As much as I wish the cost wasn't a factor, it has to be. I'm a college student and therefore broke.
Since dental disease coverage doesn't matter I'm leaning towards Healthy Paws. I read their reviews on various websites and they have the fewest complaints about difficulties submitting claims. The quote from them only gives me the option of 70% reimbursement, a $500 annual deductible, and unlimited payouts for $40.15 per month. I like that they cover alternative treatment just in case he ever needs to see a chiropractor or something. The only thing that sucks is that they don't cover the office visit fee, which is $160-200 depending on the clinic.
Embrace also looks good but their Yelp reviews suck. It's $45.93 per month with a $15,000 annual reimbursement limit, a $200 annual deductible, and 90% reimbursement. They cover exam fees and physical therapy which is nice but they don't cover tests or diagnostic procedures, alternative treatment, or more than one anesthetic removal of an ingested foreign body in one period.
Do any of you have pet insurance for your dog? What company have you had good (or bad) experience with?
A visit from a relative went awry and Beast ended up eating a shish kabob (including the skewer) and it took 3 emergency visits, 2 x-rays, and an endoscopy to remove the skewer. The sharp end of the skewer was a 5-inch piece, which could have killed him. It was a $1764.97 ordeal. Since he likes to eat things I think pet insurance would be a good idea. He's already 6 so the prices are a little high and he has notes on his records about possible dental disease so that would count as preexisting.
As much as I wish the cost wasn't a factor, it has to be. I'm a college student and therefore broke.
Since dental disease coverage doesn't matter I'm leaning towards Healthy Paws. I read their reviews on various websites and they have the fewest complaints about difficulties submitting claims. The quote from them only gives me the option of 70% reimbursement, a $500 annual deductible, and unlimited payouts for $40.15 per month. I like that they cover alternative treatment just in case he ever needs to see a chiropractor or something. The only thing that sucks is that they don't cover the office visit fee, which is $160-200 depending on the clinic.
Embrace also looks good but their Yelp reviews suck. It's $45.93 per month with a $15,000 annual reimbursement limit, a $200 annual deductible, and 90% reimbursement. They cover exam fees and physical therapy which is nice but they don't cover tests or diagnostic procedures, alternative treatment, or more than one anesthetic removal of an ingested foreign body in one period.
Do any of you have pet insurance for your dog? What company have you had good (or bad) experience with?