[Teresiana]

I have PetPlan for both of my pups. I pay yearly. $410 for my Yorkie & $293 for my Yorkie-Maltese mix. Personally, I would never NOT have insurance for my babies. The plan that I have pays 90% of my claims & even includes the vet office visit fee. For the calendar year 2012, my reimbursed claims totaled $850. So I'm $147 in the black for 2012. My Yorkie-Maltese mix did have a ton of health issues & was hospitalized this year. I'm not expecting her to have the same amount of health problems in 2013...but you really never know. Both of my pups are rescues. So I feel better about having them insured.

My 9 year old Lab is not insured. He was diagnosed with stage 3 melanoma almost one year ago. This is not a genetic disease & can happen to any dog. Between specialists, surgery, radiation, DNA therapy, medications, etc....I can't even count how much money we've spent. The radiation & DNA therapy alone is $2200 every 2 weeks. But he's still bouncing around & seems happy. So I'm not ready to give up yet.

This is what I like about insurance - IF one of my pups is sick, I don't have to worry about options & cost. I can automatically choose the best treatment because I know that I'll get 90% back. I'm also more prone to visit my vet on a regular basis because I don't have to consider the cost.

I have a great relationship with my vet & I actually spoke with him and his office staff before deciding what insurance to go with. Consulting my vet's office staff really helped. After all, they are the ones who process the insurance claims. So they will be able to tell you if they think insurance is in the best interest for your pet.

Good luck!