I am so glad my vet convinced me to get vet insurance through Trupanion when Morrison, my Golden Retriever, was a puppy. (He is now 3 1/2.) It was the best advice I received. I admit I was skeptical when the vet brought it up. I said to the Vet, yes but will there be a loophole every time and will they say this isn't covered and that isn't covered? My vet said, "No, these guys are legit." Some people at the dog park say to me, "I just put money in a jar for emergency vet funds." But I know that wouldn't work because what about car emergencies and Christmas and the furnace needing replacing? etc. I feel really comforted knowing there is provision JUST for Morrison's needs. It can't be allocated to anything else. It is just Morrison's.
I never want Morrison's health to come second to whether I can afford it or not.