I have a large active yellow lab, she is now 6 years old and I have had the insurance since I brought her home at 8 weeks. Her policy has atleast paid for itself every year. This year she developed GVD and required emergency surgery, the bill was close to $ 1800 dollars and I was reimbursed almost $1400. It obviously still cost me out of pocket, but not too bad considering. I wish I understood the medication portion a little bit more. She is on daily meds for urinary incontinence and they continue to charge me for deductables, seems like once you paid a deductable for a condition that you would not have to satisfy that deductable for 1 year-- probably need to call and discuss that with them.
Age of Pet