It was when our cat Lily was a kitten and needed an expensive surgery for a congenital diaphragmatic hernia that we discovered pet health insurance even existed. After paying almost $4,000 out of pocket within the span of weeks we decided Lily needed insurance just like a human.
We signed up for Petplan right away and the rates were very affordable even at 100% coverage with a very low deductible. We were even given a discount for having Lily microchipped.
Recently Lily had another issue with bruxism (grinding of teeth) that we needed blood tests for, then sedation and x-rays of the teeth and jaw, then a prophylaxis to rule out oral inflammation or disease. This was when we put Lily's insurance to the test for the first time and Petplan covered it all, even the prescription medications. We received the checks within days.
I found out that even congenital diseases are covered, and if we would have had Petplan at the time of her initial surgery we would have saved thousands of dollars. Best decision we ever made and we should have made it sooner.
Himalayan Blue Point