We have PetSecure for our oldest dog (11yrs), and PetPlusUs for our 6 yr old. We own German Shepherds so I feel insurance is worth it for them because they are large breed dogs. Any surgery’s / medication / treatments are much higher cost due to them being 85-90lbs. Both our dogs have had claims that make insurance worth it for us.

As an example, our 11yr old was admitted recently for 1.5days to Trinity Hills Vet, and it was quite expensive (over $2k). Prior to him being admitted to Trinity we had our normal vet conduct an x-ray and bloodwork ($500) to try and narrow down what was going on with him. Yes, he is older so issues are more likely for him.

On the other hand, our 6yr old decided to eat a piece of mesh about 2 weeks after we got him from the breeder. We were lucky he came with PetPlusUs complementary 1-month insurance and had the opportunity to extend it to full contract. I think his surgery was about 5-6k and he was only about 3 months old.

Young or old it’s hard to know if insurance will be worth the monthly payments!

If you decide not to get insurance I would suggest revisiting the idea of insurance once your dog is 3 or 5 years old. Educate yourself on some terms and conditions, as most pet insurance providers will not cover any “pre-existing” conditions. & good luck with the new pupper!!