[cindersellie]

Originally Posted by tricia208

I had ASPCA Insurance on both of my dogs and cancelled it after 12 months for one and two years for the other. It was so difficult to make a claim. There was always some fine print legalease that would lower the reimbursement amount to less than 20% of what I paid. I added up all my vet expenses and the cost of the policy. I did not benefit financially and spent way too much time with the customer service department.

I can see a dog with a catastrophic illness or injury coming out ahead but there is still no guarantee. I would not recommend it to anyone.

This is my opinion only from my personal experiences. (My husband is a lawyer. He made me say that.)

LOL!. I have Trupanion now. I can't say how they are, I haven't made a claim yet. Several members said they're good, and cover hereditary illnesses at 90% of the cost. You have to pay for it, then Trupanion sends you 90%. I heard they're fast too. They're so fast at sending the 90% that if you use a credit card, you can pay most of that charge within a month!
I don't think there's a maximum yearly limit on the claims either. They don't have a life time limit of how much money they will reimburse to you. Some companies have those too.
Pet insurance has a lot of stuff to check into. You just have to decide which type of policy you want, and what will fit your needs. Everyone's opinions and experiences really helps when sorting though what's out there for pets.