Just found this thread. I have Trupanion for Gizmo simply because of our lovely $390 ER visit at 4 in the morning and because Gizmo is a BYB/Puppymill rescue. I have I think 90% coverage with a $250 deductible and I haven't had to file anything yet. But from looking at what everyone has posted, it looks like if I do file something, I should be prepared to wait a little bit.
I had a long debate on whether or not I should have gotten him insurance, but after seeing some really sad stories (i.e. people not being able to keep up with the medical expenses of Yorkies and having to give them up to a rescue) I decided that a simple savings account probably wouldn't be enough if something really terrible happened.
Besides, it's only $22.00 a month which means one less "date night" with the husband!
