Does anyone have pet insurance? For the people that do, have you had to use it?
I purchased pet insurance for Tyler after I got him. Unfortunately after the first visit. In threads in the past we've named insurance plans or brands of food so I think this is ok. I chose PetPlan. They had something in their policy that did NOT rule out the major conditions associated with a breed. The fine print in some policies have caveats about things like that. There is a deductible for each separate illness (but if you have follow up on same illness, it's already been met). So far it's worked when Tyler jumped from my DH's arms and needed an ex-ray and exam. It paid part of the expense. I almost look at it more as catastrophic, which doesn't take much if your pet is injured or eats something dangerous. Bills can be prohibitive so I wanted to try to avoid that and not have money as an issue down the road when considering treatments. Like people insurance, you have to read carefully and reimbursement is never quite as much as you think. But I also don't think they pull the thing that human insurance does about a fair amount a doctor charges. I think they reimburse on whatever you paid if it qualifies.