I've never had pet insurance. Back when Kaya was my dog, by the time such a thing was well-known she was a geriatric pup with pre-existing medical conditions and I assumed no policy would cover her. That may or may not have been the case, I didn't think to investigate it at that point. But now that my money situation is likely to become somewhat precarious, I have been pondering what preparations I can take in advance to avoid potential financial disaster, and securing pet insurance for Maisie is one step I took.
Not knowing which company to trust, I did some research on the Pet Insurance Review website. I decided on Petplan because they not only offered three different deductibles and three different coverage plans, they also allow you to choose your reimbursement level once your deductible is met. Petplan was also very highly rated (9.3 on a 10 point scale) by reviewers. I opted for the most basic (Bronze) plan, with the highest ($200) deductible but with 100% reimbursement after that. It will pay the costs of any illness or injury Maisie experiences, up to $8000 total per year. To my surprise, even alternative therapies were included in the coverage, as long as they are recommended and administered by a licensed vet. I wish I'd known that was possible years ago, when Kaya was receiving monthly treatments at the holistic vet! The price of the policy I selected for Maisie is just under $22 per month, and that seemed pretty fair to me.
Best case scenario, Maisie will remain a healthy, injury-free little dog and I will never even need to utilize the insurance. But considering her crazy, occasionally accident-prone ways, I figured better safe than sorry!
Do you have pet insurance? If so, what have your experiences been like? Good/bad? Please share!
And because we all know who the star of the show is here, I now share with you a photo of Maisie and her antler du jour this morning. She tried to bring it upstairs with her, but kept dropping it as she attempted to carry it in her mouth and run up the stairs at the same time. So she settled for a chew session at the bottom of the staircase instead. Silly silly puppy...
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