Should I Buy Pet Insurance?

I finally bought pet insurance! I've been debating if I should buy it or not for a few years now. The biggest thing holding me back was always that my dogs have preexisting conditions and they wouldn't be covered for anything relating to those issues. Peanut has small white dog shaking syndrome also known as idiopathic steroid responsive shaker syndrome. Bailey has a deformed rear leg and had surgery for a luxating patella in his other rear leg. This is also the reason I want to have pet insurance. I know how expensive vet bills can be. Bailey's surgery was around $3,000 and Peanut had to visit a neurologist at Cornell for the Small White Dog Shaking Syndrome which was over $2,000. Luckily for me and my wallet both treatments were successful and we haven't had any issues since then.

Knowing I am not able to leave my dogs untreated or have them put down if something serious happened I really wanted pet insurance just in case. I grabbed a bunch of brochures from the vet's office and reviewed a few different companies before I finally decided on Pet Plan Insurance. I wanted an insurance that would cover accidents and illnesses. I went with the Bronze plan for both of them. My premium is about $55 a month for the two of them combined. This provides me with up to $10,000 in coverage a year per dog with a $200 deductible and 80% reimbursement. For the price and the coverage this was the best policy I found.

The Bronze Plan Covers:

• Accidents and injuries
• Illnesses including cancer
• Veterinary exam fees
• Diagnostic treatments
• Surgery
• Prescription medications
• MRI, catscan, ultrasounds (peanut almost had an MRI $$$$)
• Non routine dental treatments
• Rehabilitation
• Alternative therapies (acupuncture, homeotherapy)
• Referral and specialist treatment
• Behavioral therapies