Our 3 year old Greater Swiss Mountain Dog got hit by a car. She needed to be hospitalized. She spent 3 days in the hospital with an IV, multiple X-rays, oxygen therapy and pain management. The bill was $2500.00. We got reimbursed $2400. Yes, you do have to pay upfront for an emergency, but scheduled procedures can be pre certified, so you don't have to pay upfront. If you love you child (pet), you should seriously consider obtaining this insurance.
Greater Swiss Mountain Dog