I’m getting an AKC Standard Poodle on Monday. He’s a cream boy named Todd.
I’m considering Pets Best insurance for $29 a month with a $1000 deductible and 90% coverage to start.
My question, since I’ve never had pet insurance is…. Is it really worth it? They’ll cover chronic issues, but they increase premiums annually. So if he comes down with a chronic issue they could just increase my premium to cover that amount?
Let me know if that’s not how it works, because then I think it would be worth getting maybe.
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The reason I’m considering it:
We lost our German Sheperd in April of last year after a major scare at 6 years old. He had a tumor the size of a softball on the outside of his rib, and it was double the size on the inside per our vet. He said he couldn’t operate and instead we gave him pain meds…. He had a miraculous recovery, did a complete 180, the mass went away? He was normal overnight. Then a couple years later had a seizure on a Saturday, another seizure the night so we brought him in for the cluster. Then within a month the medicine couldn’t stop it. He ended up passing at 8 after seizures from a brain tumor. My regret is, would money have mattered if he had pet insurance or could I have gone to specialists and paid $20,000 for a surgery I’d only pay $2,000 of?