I adopted a seven year old dog from our humane society. Thinking I was smart, I decided to get a policy on him. I had to pay about $400 or for tests on him since we had no records to even get VPI to cover him. I ended up taking him to the ER since he was in breathing distress and we had no idea what was wrong with him. He had a urinary tract infection and very low protein levels. I submitted $1500 and hoped to get maybe $800, but only got $200. My vet helped with my appeal but they still denied it, saying since he never had a clear diagnosis of what was really wrong that they can't cover it. I think if your pet has cancer, breaks a leg or gets hit by a car, etc.. maybe it pays off, but overall I don't.
Age of Pet