I am deciding between VPI Pet Insurance and ASPCA Insurance. I need something that will cover check ups, emergencies and accidents. My dog is already neutered. If you have any other choices, please tell and tell WHY you use it so I can do a comparison.

I have Trupanion. They don’t have claim limits and they cover 90% (no benefits schedules) so no matter how big your bill is, they cover 90% of it.
Watch out for benefits schedules because sometimes they can get you– like if it says “surgery x costs $200″ and then your dog needs surgery x but your vet charges you $800, guess what: the insurance company will only cover 80-90% of the $200.

You can also choose a $0 deductible (or anywhere up to $1000) with Trupanion. I’m really happy with the company and they are really easy and straight forward to understand, definitely check them out!

National Pet Health Care

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I would imagine they all cover cancer, I can’t think of anyone that would exclude it. The important bit to check with whether you get lifetime cover or cover just for a year after diagnosis.
As for the paying direct, that depends on you setting an agreement with your vet to arrange direct claims. It is most vets policy to get the money from the owner and then the owner get reimbursed by the insurance company, however you could always speak to your vet in advance about the possibility of arranging a direct claim. I haven’t heard of any insurers that don’t do direct claim, but I may be wrong.
Also remember to keep your vaccinations up to date, as it’s a clause in most insurers small print and if you lapse then they won’t pay out for anything (vaccinatable disease or not).
I can’t give you an actual insurer to go for – a) because they’re all so different and it really depends on what you want and b) because I’m legally not allowed to as a vet!

Pet Insurance Review

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I don’t know much about the pet insurances but make sure you know exactly what it covers and about how much the vet charges for these things. I have heard that most of the insurance will not over routine exams and shots and if your dog is healthy and has minimal risk for needing and kind of major operation you might be better off by taking so much money from every paycheck and keeping it aside to pay for vet costs. Just make sure you know exactly what is and is not covered by the insurance and see if it’s worth the money.

Is Pet Insurance Worth It?

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