<p>My rates did go up more than 50%. They went from about $40 to about $65, but that’s with a $0 deductible. My dog was pretty young when I registered him. Plus, I think it was when they were first starting out. I don’t know if that made the rates cheaper. Even at the rate you were quoted, I would go for it. But again, that’s just me. If I I knew could cover a major emergency (in excess of $10,000), I may reconsider the health insurance (or I may not). It’s a peace of mind for me. Without insurance, I don’t feel I can ‘afford’ a dog, because, to me, being able to afford a dog is not just the day-to-day care but any large vet expenses without putting yourself in huge debt. And I feel like my responsibility to my animals is to make medical decisions for them not based on money.</p>
<p>I would call Trupanion and ask the questions that you have. I don’t think most insurances cover pre-existing conditions. Fortunately, my dog didn’t have any when I got him, which is probably another reason insurance works well for me.</p>
<p>Also check out PetPlan. They are another great provider, and their coverage is somewhat different. They do have a cap on how much they would pay out in a year and maybe(?) lifetime, which bothers me a bit.</p>
<p>Oh, and check out Embrace (I know NOTHING about them - just Googled them), but it looks like they cover pre-existing conditions after a year: [Pet</a> Insurance & Pre-Existing Conditions | EMBRACE](<a href=“http://www.embracepetinsurance.com/coverage/pre-ex-conditions.aspx]Pet”>http://www.embracepetinsurance.com/coverage/pre-ex-conditions.aspx)</p>
<p>This webiste about is good for looking up people’s reviews about different insurance companies: [Pet</a> Insurance Review - comparison of VPI, ASPCA, etc.](<a href=“http://www.petinsurancereview.com/]Pet”>http://www.petinsurancereview.com/)
It was very useful in doing my research, although the prices that they list can be off - I mainly like it for the user reviews.</p>
<p>Personally, the one company I would NOT recommend is VPI, because they pay a percentage of what THEY think a procedure SHOULD cost, not what it actually costs, and, living in one of the more expensive cities, that just doesn’t makes sense for me.</p>
<p>As you can tell, I am huge fan of pet insurance. I only wish the same insurance options were available for my other animals…</p>