If you really want honest opinions from actual policyholders, visit some of the insurance review sites.
I have policies on my dogs through the company I work for (obviously) and I can say that we have plenty of people who are happy. If there ever is a day that I don't work for them ( I can't see it in the near future, but you never know), I'll keep my policies because I honestly feel like they're offering the best policies.
I know that some of the other companies offer wellness (vaccines and spays or neuters) that my company doesn't offer, but if you look closely at the policy you really are paying the company more than you'd have paid your vet for the same services. Especially with some vaccines changing so that they only need to be given every 3 years, wellness care just doesn't seem like a fair trade off for me. Besides, you can see a heartworm test coming, cruciate ligament tears or foreign body surgery, not so much.
And over $500 for Giardia really isn't shocking to me. If you go in with a Yorkie who has had a week long bout of diarrhea most vets will want to rule out organ diseases like Addison's, Diabetes, etc. They might also do xrays to rule out foreign bodies or other diseases. It really depends on where you live and the type of practice. |