I recently got insurance for my puppy and my 13 year old lab mix through Pet Plan. They do not cover pre existing conditions but i decided to go with it after last year when my dog (now deceased) had 2 bouts of pancreatitis and. Lymphoma and I did not have insurance. It was very expensive treating these issues so when I got my puppy I decided to insure them the puppy and my remaining old girl.The puppy’s premium is only around 20 dollars per month, and my old girl is much more expensive. Since I got the insurance my older has needed surgery and also had a shoulder injury so the insurance has paid for itself. When looking for an insurance company I looked for one that covers alternative therapies, medication and emergencies. I have a 200 dollar deductible per incident and then they cover 80%. My vet is great and they bill the insurance company and then I pay whatever balance .there is after they are reimbursed. There was a form I had to sign giving the insurance company permission to pay them directly. I really debated wether it was worth doing but then decided I never wanted finances to be part of a big decision on treatment for my girls. I did not go with a company that pays for preventive treatment such as vaccinations, exam etc.
