There have been quite a few questions about insurance and if our insurance will cover these expenses we're looking at facing with an MRI and possible Wobbler's.
When Darwin was around 6 - 7 months old it seemed like we were constantly calling up the vet for scrapes from the dog park, many cases of diarrhea , or some ailment or another. At that time we decided we needed to look into pet insurance and I did some heavy duty pet insurance research. I asked around to the Marymoor Dane group, Googled, asked our vet for their recommendations, and found this site specifically reviewing pet insurance. I filled out free quote forms and spent a good amount of time weighing the options. Many of the Marymoor Dane owners seemed to be with VPI and had decent things to say about them. At that time, Darwin had already been spayed so it seemed silly to me to get an insurance plan that would be covering something she already had done. I also didn't want to pay for a plan that covered costs we were already willing (and prepared) to pay for like vaccinations, it was the scrapes and diarrhea episodes and unexpected things we wanted to be covered for.
One of the Marymoor Dane owner's recommended Trupanion and after comparing various plans we settled on them. I liked that we could choose how much we wanted our deductible to be and that we could get additional coverage for hip dysplasia since we were enrolling before her 1st birthday. I also liked that they paid back 90% of the vet bill (minus exam fees) and premiums wouldn't go up due to her age (man I sound like a commercial).
Of course after we got Darwin insurance her diarrhea stopped, she didn't get as many scrapes and we hadn't had to use it till this all came up. After our initial vet visit I got the claim form filled out and faxed it in Monday morning and by that afternoon I had got an email saying it was processed. Wednesday when we got home from work there was a check from them waiting in the mail for us. I called to confirm that they will cover the MRI and surgery if it comes to that. The things they don't cover though is holistic medicine such as acupuncture and chiropractic treatments.
We've only made a couple claims with Trupanion, but so far I'm pleased with them and I'm so happy that we decided to get insurance for Darwin. It makes saying 'yes' to any procedures that need to be done to find out (and fix) what's wrong so much easier knowing we don't have to worry about if we can afford it.