I ended up going with Healthy Paws for insurance

Glad you got your dog insured before any issues occur.

But do you know exactly what you are getting for your money? Have you read the small print? Is it a lifetime cover? Meaning if your dog is diagnosed with an illness that will need treament for the rest of his life, will the insurance payout for the rest of his life? Or does cover stop after 1 year or when the pot of money runs out? Pet insurance can be so confusing.

Healthy Paws is the one I'm looking at for my dane, but it's going to cost me double per month for her. I read the fine print and it looks good to me. I don't remember particulars at this point. I have to reread it before signing up. I like that there is no yearly cap, many of the others have it set at 5-10k or so. And that sounds like a lot, until you get into accidents and cancers.

icemaiden said:

Glad you got your dog insured before any issues occur.

But do you know exactly what you are getting for your money? Have you read the small print? Is it a lifetime cover? Meaning if your dog is diagnosed with an illness that will need treament for the rest of his life, will the insurance payout for the rest of his life? Or does cover stop after 1 year or when the pot of money runs out? Pet insurance can be so confusing.

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This one has no caps on it. I liked that.

I'm not sure what you mean by 'has no caps on it'? Do you mean that the pot of money never runs out?

My dog's insurance cover is £12,000 per annum, and if I use it up in that year, at the renewal the pot is restored to £12,000 for the next 12 months and so on. The money pot always has £12,000 in it, minus any amounts claimed in that year.

So in effect, if a dog lives 10 years, he can spend £120,000 in his lifetime. Is that how Healthy Paws work?

There is no cap per year or lifetime. This is from their site: "Our pet insurance plan provides unlimited lifetime benefits with no annual or per incident caps."

Oh and my $100 deductible is per year not per incident. I liked that too.

Sounds good.