Consumer reports aside, we are VERY glad to have signed up for pet insurance. We're with PetPlan in Canada, and took the "Champion" plan (while he'll never see a show ring, Vandal's a champion to us). It includes coverage for preventative measures (vaccine, microchip, dental) as well as neutering (in just six short days Vandal - lick 'em while you got 'em!).
Anyway, to date we have received from PetPlan over $1300 in refunds, beyond the annual $200 deductable and 20% co-insurance. We've had some (okay - many) gastro-intestinal issues to sort through, so trips to the vet have been more frequent than we would like. Our monthly premium is $65. Sadly, we have been informed that while we still have coverage for life, the co-insurance will be bumped to 50%, meaning that they will only cover half of all costs effective July 1, to be reviewed every 6 months. Even at 50% we would have received our premiums back this year. Still, the peace of mind alone is worth $65. We will never make a choice based on cost, only what's best for Vandal. Mike, Deanna and Vandal p.s. hi Tess - 1st birthday coming soon!
