The Vet gave me this odd plastic hat to wear! We have pet insurance, so I think they paid for it :)
IT PAYS TO HAVE PET INSURANCE! It can really save the day if your dog has a major medical expense, needs surgery, rehab, or extensive tests. Keep in mind that once your pet has a pre-existing condition, it will not be covered if you switch to another company. Choose wisely the first time :)
Read policy terms, conditions, and coverage closely. The fine print discloses all the ways they plan Not to pay you, so know what you are really comparing when making a selection between companies. Below are my reviews based on my experience.
The Vet gave me a better hat than Raphael. Mine is super soft :)
Raphael's knee surgery was covered with pet insurance!
A fabulous experience: EMBRACE http://www.embracepetinsurance.com Good rates, good coverage, excellent service, quick pay on claims, wonderful communication, deductible is per year (not per visit) and there are credits for healthy pet years :) Embrace is the favorite for the tinydogsrule team! Tiny pom Bella has been taken care of (embraced) for 12 years. VERY impressed and must say, this is hands down the BEST PET INSURANCE company.
A bad experience: 24 PETWATCH | PETCAREINSURANCE https://www.24petwatch.com/ This company has frequent rate increases, super long hold times, poor customer service, and ever rising deductibles. You may wait up to 12 weeks to get reimbursed (if at all), and you can expect minimal help if you ever do reach someone on the phone. That being said, they did cover Raphael's leg surgery eventually, and paid the amount expected. Overall, it was a very expensive mistake, and a stressful experience for each time I had to deal with them for each of my 3 pomeranians I had insured through this company. I do not recommend them, and they seem to change their name often so something to check into before wasting your money with them.
Popular choices of pet owners:
VPI http://www.petinsurance.com Good rates, good service, decent claims process, however, payout scale could mean you pay more of the bill. I had a satisfactory and stress-free experience with this company.
PETS BEST http://www.petsbest.com Great real world feedback from pet owners via online dog forums, but may not be available in all states yet.