I decided I needed pet insurance after Buddy ate a tampon and nearly died. Keeping him alive was expensive but enlightening.
About a month after I joined Healthy Paws, he got a strange growth on his face. It grew quickly, and by the time I opted to spend several hundred dollars for the surgery and lab analysis, even the vet was freaked out.
Fortunately, Buddy's just got a rare case of face warts.
Healthy Paws reimbursed me three days after his treatment. I paid the annual $50 deductible, and they paid for 90% of the rest. It costs about $30 a month for this assurance. That's a small price to pay for knowing I'll never have to choose between keeping Buddy alive and going into thousands of dollars of debt.
Healthy Paws has great customer service, quick reimbursement, and they're wonderfully unique in their coverage of hip dysplasia after 1 year of membership.
They also support homeless pets, just as Buddy once was.
Just today I chased down a new adopter in the Petsmart parking lot to tell him about Healthy Paws. Highly recommend them and wish I'd known about them sooner.