I pay like $118/month to insure my 2 dogs... one of whom is elderly. And though my vet bills are both frequent and insane because the old gal is, well, old... and her breed (shih tzu) tends to have higher risk for EVERY FUCKING THING... I have only submitted one bill to the insurance.
For context, I had to take her to the vet yesterday because she was having an eye issue and she needed some follow up testing/blood work, etc. The damage? $765.
17. "got it for our rescue dog when we got him at 4yo" In response to Reply # 0
trupanion. pay about $95 CAD/month and so far, it hasnt covered anything because his skin and dental were labeled preexisting cause he had...well, skin and dental issues when we got him.
but that also means we're lucky he hasnt had any serious claims, thank goodness.
best case scenario, we spend all the premiums and almost never make a claim. worst case, we make lots of claims as he ages and be thankful trupanion is paying 90% of it with one lifetime deductible per incident. ie diabetes, c*ncer, etc. fingers crossed we lose all these premiums.
But god forbid an accident or major illness occurs, it'll be there, saving potentially thousands.
a friend of mine swears by trupanion. his idiot dog ate a sock 3 times getting stuck in his intestinal tract requiring surgery each time. trupanion has paid over 12 g's towards this dog, all before he was like 4.
get it while your pooch is younger and healthier. cheaper premiums, and less chance of disqualified preexisting conditions.