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Hi!

We will be getting a toy poodle by the end of this year. Any suggestions on a good pet insurance. I don't know if this is needed, but we live in California.
 

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I use Embrace and I know it is considered one of the best. Trapanion and Healthy Paws are also popular. I think it is typically recommended to use insurance if you are unable to self insure up to 10k or so.
Does "self insure" mean being able to cover $10k out of pocket? We'd never really considered pet insurance before, but our friend's puppy just needed $7k in emergency care and he's so glad he had insurance. With the financial uncertainties of covid, it feels even more important. I'm just wondering if we missed the window for affordable coverage.
 

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Does "self insure" mean being able to cover $10k out of pocket? We'd never really considered pet insurance before, but our friend's puppy just needed $7k in emergency care and he's so glad he had insurance. With the financial uncertainties of covid, it feels even more important. I'm just wondering if we missed the window for affordable coverage.
Yep that's what I mean. I don't think you have missed the window. Pre-existing conditions aren't generally covered but some like embrace have a policy where they cover them after 12 months of no symptoms.
 

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Pre-existing conditions aren't generally covered but some like embrace have a policy where they cover them after 12 months of no symptoms.
I just insured my dogs after spending 1500$ in vet bills. Merlin is 6 and Beckie 3 and I pay the same amount for both. After 12 months, I can provide proof of health and they will remove the restrictions they put on both dogs for gastric problems and related conditions.

But Merlin’s patella and heart issues will never be removed. They just won’t.

PTP, I think your window is still wide open ! In my case, I made sure I had the opportunity to cancel and get a complete refund if I had too many restrictions. I had 30 days to do so. You could do the same and decide
Knowing all the facts.
 

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Costco Canada has a pet insurance where they give you a % off depending on which Costco membership you have. I did a test run based on my pup born Jan. 2021. For accident + illness coverage of $15,000 annually @90% of cost with an annual deductible of $100.00 the quote was 110.00/month. Now that’s the highest coverage along with the lowest deductible. For the lower annual coverage of $7,500 and 70% of cost and $300.00 annual deductible The quote was $62/month They do not cover any pre existing conditions. Also I noticed that the deductible choices increase with the age of the pet. I am not sure if the overall cost to insure will go up as well. If it’s like car insurance it probably will go up even if you have no claims or traffic tickets. That being said it’s a choice that I either have a slush fund set up where I put away enough $ per month to cover higher vet bills expected in old age (7 and up) and take the chance that the dog has no unusual illness or accidents before then or get insurance.
 
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