I think that today, with all the treatment options available, pet health insurance is the only sensible way to go about it.
Of course, not all insurance plans were created equal. We chose Trupanion because of the extent of their coverage.
We insured Cookie right away when we adopted her. We had made a number of claims since and Trupanion has been true to their promise all along. But there is always hustle with paperwork, isn't it?
We have it set up that Trupanion makes payments directly to my bank account.
So that part works well. But our veterinary hospital still has to gather up all the invoices and fax or email all that. With Trupanion's new app, this should be much easier now too, which is great. Every saved step in the process gets the money into my account faster.
Now I just wish they organized they paperwork a little better. So far, every invoice and every item gets their own claim number, even though they all come with one claim. I think that is pretty silly. I even got a confirmation for each of these items mailed to me separately, even on different days. I don't see why it has to be itemized in this way, if it all falls under one claim. But that's just an administrative glitch.