When my Golden Retriever/Tibetin Mastiff was about 6 and he started showing signs of discomfort in his hind quarters. I wanted to get insurance for the "just incase" peace of mind and I needed an insurance that would cover the most probable issues a huge golden might have, TPLO, Hip Dysplisia and Cancer.
I did my research and found that Pet Plan was the only company, at the time, to offer coverage for not only accident, injury and knee issues but also hip dysplasia and cancer. I purchased a Sliver Plan for a little over $400 per year / $200 deductible per year, per issue. Not unlike human insurance. Little did I know at the time how important that decision would be.
At the age of 10, the pain in his back end could no longer be managed with medication and it was deturmined that he need to have his hip replaced. He had the surgery and recovered nicely. $6000 for the surgery and follow up, less my $200 deductible and 20% co pay of $1150 saving me $4650 reimbursed with in 15 days. More to the point, My dog was pain free and energetic for the first time in years.
A year and a half later he was diagnosed with bone cancer. Without a question, Pet Plan pre authorized his treatment. Because I had insurance, I was able to get the best treatment from the best doctors at one of the best teaching hospitals in the country. With a combination of stereotactic radiation and chemo, they were able to spare his leg so he could continue to grow old with all 4 paws and pain free. I stoppe