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Pet Insurance – we definitely recommend it

pet-insurancePet Insurance – do you get it or not? We contemplated this for quite a while. But then we came across quite a few dogs that needed to have surgery (variety of reasons) and it made me think we should really pull the trigger. At a minimum, we figured we could get a policy that covered emergencies.

Looking for pet insurance does take some time. In the end, we went with Trupanion. It was recommended by our vet and it seemed to be the best value for us. We’ve had it for a few years now and I can say we’re pretty happy with it. However, I think it’s important for you to look at the various plans and see what works for you and your dog.

We looked at these pet insurance companies (click on name to view their webpage):

AKC
ASPCA
Healthy Paws
Pet Plan
Pethealth /Pet Care/ 24PetWatch
Pets Best
VPI
Trupanion 

You will notice that many of the pet insurance companies have plan comparisons and generally their own plan “wins” the comparison. It’s actually possible for this to happen because there are so many plan variables. What is best for my dog might not be best for your dog. For example, if you have a Bulldog, they generally have more health issues and a shorter lifespan than a Coton de Tular. So a Bulldog owner might want more coverage, but care less about cost increases based on age.

Here are the various factors we reviewed:

Annual Deductible
Deductible per incident
Per Incident Limit
Annual Limit
Lifetime Limit
Premium increase due to age
Increase due to filing claims
Coverage
Reimbursement
Accident
Illness
Hereditary conditions
Hospitalization
Surgeries
Cancer treatment
Diagnostic testing
Prescription Medications
Pre-existing conditions
Veterinarian exam fee
Wellness/routine care
Reviews/Customer Comments

We have a Havanese, which is a relatively healthy dog with a long life span. So it was important not to have “premium increase due to age”. We also live in NYC, so we also wanted “reimbursement” to be based on what the vet charges than based on an average national cost. There were a number of other factors (e.g. premium flexibility) that led us to select Trupanion.

Want to learn more? Check out our post on Dog First Aid – Helpful Items to Keep at Home!

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