[LordRanger]

Which is one reason why I think self-underwritten pet insurance is usually the better way to go. If you're going to wait to be reimbursed anyway and your worst-case bills are around, say, $4,000, what's the benefit? Insurance is like gambling: the house always wins. Save the paperwork, and save the risk a lot of people don't think of up front: that the insurance company might look for some loophole and not pay up.