For starters, we didn’t get Fitzgerald comprehensive, soup-to-nuts coverage. As far as I know, no such thing exists for dogs. What we got him was a basic, high-deductible policy that costs $60 a month. The deductible is $1,000 per condition, not per year; after the first $1,000, everything is covered. There is no coverage for basic services like annual vet exams, vaccinations, heartworm, or whatever.
On the other hand, there is coverage for things like chemotherapy and kidney transplants; this isn’t a ripoff. It’s insurance that covers some very expensive health conditions with no lifetime caps; they’ll even give us hydrotherapy if he turns out to have hip dysplasia. We view the insurance as very cheap for the price. Especially when you consider the education it’s given me in how to think about health care.
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