This is the first of my dogs to have pet insurance. It either wasn't available previously or the dog was older with pre-existing conditions. Several months ago, I was thinking that to cut expenses, I would eliminate the pet insurance. This dog, unlike my previous dogs, seemed to have no serious health problems. For once, procrastination worked in my favor!
First, he deveoped an auto-immune problem resulting in a runny nose, rhinitis. That is still not responding to treatment but that became the least of my problems.
To make a long story short, he developed a bulging disc and was losing rear leg motor function. After 2 emergency surgeries, it took 2 weeks for him to be able to walk again.
I submitted a claim for the rhinitis which had required exploratory surgery to rule out tumors, etc. I was paid for that claim in a bout 2 weeks. I submitted 2 different claims for the back issues. Each time, I received a check in about 2 weeks. With all the requested paperwork submitted, there were no questions asked, just payments up to the limit of my policy. Unfortunately, the costs maxed out the policy and I do have a few thousand dollars left to pay, but I could raise the policy limit when I renew for possible future catastrophes
Petplan is not cheap. Insurance is based on your fear of what might happen. Unfortunately, my fears came true but, fortunately, my dog was covered by a good plan from a company which was easy to work with. I would never expect an insurance claim for a human issue to be paid in 2 weeks.
English Cocker Spaniel