 Insurance
It is difficult to give blanket answers to your questions as insurance plans vary and there are options you can usually choose to get the coverage you want.
In my case I have Trupanion and I think it is great, but others have equally good or better plans. You have to critically compare the plans and do apples for apples. I chose to have zero deductible and the plan pays 90% of covered costs.....including meds and tests. I pay the vet and the plan repays me usually within a week or so. Many plans do not cover routine vet visits, dentals and shots, but there are plans that do. My plan covers none of these as that was my choice.
I agree that insurance is well worth having and it is best to get it as soon as possible after getting your dog, before existings appear. I adopted a dog and the acceptance of the coverage depended on the initial vet exam. Soon after adopting my boy at one year old he developed juvenile cataracts and the surgery was covered thank goodness. One thing to get is coverage for hereditary conditions, that can appear later in life. Some plans exclude these. A common issue for Yorkies is luxating patellas and providing it did not show up prior to insuring the dog, it would be covered later.
There are threads here that you may find helpful in choosing. Good luck, it is a complex decision to make with many variables. :-) |