I have Trupanion pet insurance. It doesn’t cover routine visits, and there is a per-condition deductible. So, I chose the deductible that I felt I could afford in an emergency. You do pay your vet up front and then submit the claim for reimbursement. On a bill of about $1,200 for my older poodle falling off the garden wall and wrenching his hip (we thought at first he had snapped a tendon, luckily it wasn’t that bad), I was reimbursed $550. My deductible was $600, but some part of the bill was excluded from coverage. (Side note, he fell off that wall after living in that house 14 months with NO issues. 2 weeks before we move, he falls off the wall. Good grief.).
