I have one dog with a preexisting heartworm condition and the other is healthy. Who offers a better deal? and has anyone gone through the ASPCA for pet health insurance?
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Keep in mind, with any insurance policy, on average, the insurance company has to win. In other words, they will take in more money than they ever pay out. If it were the other way around, they would go out of business. My feeling is, that one is better off (if one can be disciplined enough) to put the money that you would have spent on the insurance premiums, and put it in a seperate account, that you don't touch, except for vet bills. On average that way, you'll win. The only time this doesn't work, is if you have some large, unexpected bill show up that you can't absorb. In these cases, you can often secure some kind of loan or financing option to pay for the deficit.
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