What are your honest thoughts about pet insurance?

I’ve had Trupanion for my 7-year-old Cairn Terrier for several years. My monthly payment is around $40 now, but it was cheaper when she was younger. A year and a half ago, she got very sick, and after numerous tests, an MRI costing $5,000, and ongoing monthly treatments for encephalitis, my insurance has covered 90% of the costs after my $600 deductible per condition. Without it, I would have faced thousands of dollars in unexpected expenses, and it truly saved her life.

With my first dog, I didn’t have pet insurance, and when he suddenly snapped his CCL and had a bad reaction to the pain medication, the emergency vet visit and surgery cost over $8,000. That experience taught me a valuable lesson, and now I will never have a dog without insurance. For my current dog, even a seemingly minor incident like getting stung on his “jewels” resulted in a $2,000 ER bill. Knowing that my Trupanion policy with a $200 deductible per incident and 90% reimbursement covers these unexpected costs gives me immense peace of mind.