Insurance

I'm definitely not worried about them paying out every penny, I just want to make sure they pay a reasonable amount if I'm hit with say, a $10,000 vet bill. Someone else also told me just to be extremely careful about what diagnosis code the vets use.

 

I took the plunge and took out policies for both girls! I did a $1000 deductible and added the rehab rider. The total premium per month is less than $100 for both dogs. Now they are covered by both Embrace and Trupanion, and I know to be very careful with what diagnosis code is used, so I'm pretty confident that my girls are now fully covered for both the small things and the big things.

 

Update! I decided to do Healthy Paws instead of Trupanion. For what I wanted - a secondary policy in case of catastrophic injury or illness - Trupanion didn't really fit the bill, since they have a deductible per diagnosis. I was able to get a Healthy Paws policy with 90% coverage, $200 deductible, and no limit on payouts for about $35 per dog! I have a few friends who have this insurance and they said they have never had a problem with it. It doesn't cover the exam fee, like Embrace does, but I'm not worried about that. It does also cover agility related injuries. So I think now my dogs have all the coverage they could need!!!!!