Pet Insurance, choosing one and choosing when.

I never had pet insurance on my cats. And, as yoyo1198 has said, many vets don't take it. But one of my cats got cancer. This was quite a few years back. We spent almost $6,000 on 2 operations. If we had insurance it would have been less, I'm sure. I don't know how much less but anything would have helped. You just never know what can happen. I've had many cats and she was the only one to ever get anything like that. I looked up Trupanion and of course found glowing reviews. I don't trust online reviews because you don't know who's writing them. Research is very necessary. And your dog is young. If you keep up with her shots, don't let her run loose and take good care of her your vet bills should be pretty average. Find out the approximate cost of her medical upkeep, what the insurance will pay for and then look at how much it will cost for insurance. Is it worth it? As our companions grow older they may have problems, just as we do. Arthritis, tooth decay, cancer, etc. Large dogs can get hip dysplaysia. These are costly. Maybe you could wait a few years and then get it. It might cost more to insure a dog of 3 or 4yrs old than a puppy. Find this out. Good luck and congratulations on your new little puppy!

At one time I had the insurance on my cat. To get any worthwhile kind of benefits from it, I was paying double what you have mentioned. I just couldn't afford it anymore and since my cat never goes outside and has never been sick, I had to let it drop. On researching, I found that most vets do not take the insurance information for payment. I would have to pay the vet and then submit the paperwork to the insurance company myself. Even in an emergency situation. So that led me to further believe that I might as well drop it. You might want to research the vets and emergency services in your area about questions like that before you commit to signing for a full year.