To be honest I always poo-pooed the idea of getting pet insurance UNTIL this last weekend! This is the fourth time in 5 years I could have really used it besides for teeth cleanings!
The first time a neighbor poisoned one of my dogs with rat poison. 2 nights in the vets and just IVs with meds cost us over $1000. I finally had to ask them to let me do the IVs at home since I could not afford the $1000 even! Thankfully they let me.
Then we got a puppy and she thought she was Super Dog and jumped off our couch... she is a beagle so not super tiny or anything! She landed wrong and had to be brought to the 24 hour vet since she was crying and howling for hours! It cost $250 to tell us it was sprained!
The next time was in May I noticed my dog shaking and shivering. The vet thought it was a tooth infection and we set up appt for a couple of teeth to be pulled. It turned out after they drew the blood she was in kidney failure. After 3 days and her getting worse we had to put her to sleep. It was the hardest thing I had ever done! After all was said and done it cost us $400 plus the cost of putting her down and having her cremated. She was only 9 years old!
Then because of my emotions I went out and bought another one since our youngest- at that time now- was so depressed over not having a companion! It did help me though but is driving our other one nuts! Ohhhhhh the puppy phase is soooooo bad! lol Be prepared!
Then this last weekend we were celebrating and I bought T-bone steaks. I decided to share with the one and gave her the bone with about 1/4 of the meat still on it. She has always eaten like a little lady and is pretty dainty... until she got this! She swallowed it whole! Bone and all! I took her to the vet the next day and x-rays showed it in her stomach and the vet suggested surgery. Thank God we did since it was as sharp as a knife, pointy and very jagged! It would have killed her coming out! It cost us $540. (this vet is about 1/4-1/2 the price of every other vet we have ever been to).
Also, if the insurance covers dental- not sure since I have just thought about looking. Most places charge about $3-400 for a cleaning on them. Thankfully our new vet only charges $90 plus the pre-anesthesia blood work.
I plan on looking into it atleast now... if I do not get it I will be putting money in an emergency fund for this purpose! You want to know what is really sad... my dogs get better health care than I do and I have insurance! You would be surprised at the lengths you will go to for your puppy! They become part of your family and you will stop at nothing to save them- if you can no matter the cost! I have been putting off a Drs appt for a year now because of cost but I make sure if something is wrong with our furry family they get taken care of! lol
Good luck with your new puppy! I wish you lots of luck and even more patience! lol Blessings to you all!