One of the things my wife and I decided we would do when we got our two cats was to get pet insurance. After some considerable dragging of our feet, we finally began the process in December of 2011. After checking out petinsurancereview.com and doing a full analysis of the top eight rated insurance companies, Pet Plan came out on top as the best value for a reasonable cost for our two cats, Chloe and Lily. I was impressed by 100% coverage, a low deductible, the amount and quality of items covered, and a $20,000 max coverage per year. Having two relatively healthy, young cats, we wouldn't ever expect to have to spend $20,000.00 in a single year in insurance claims. But for $20 per month for each of our cats, it was worth the investment.
Only one month later, I noticed Chloe breathing faster than usual. Concerned, we brought her in to our vet and they gave her a battery of tests. I knew that we had the pet insurance so technically everything would be covered. But when it comes to insurance, I imagine I'm not the only one who pictures the employee of the month being the one who can find the most technicalities to deny claims. After over $1500 in tests and conservative treatment, we found our two-year-old cat had a rare condition (idiopathic chylorthorax) which is not easily resolved. After conservative treatment regressed, we were referred to a specialist who suggested a three-part surgery that would cost around $6,000.00 and give her a 50% chance of full recovery (with 50% c