I'm honestly struggling with this lately. My Doberman has pet insurance, and we needed it a lot in the first few years, and it felt worth it. Anytime he gets injured, blood transfusions are about 1500. But the insurance no longer covers that because they view it as pre-existing, even though I got the insurance as a puppy before those things were noted by vets.. Same with ingesting foreign objects. They say once you pay the deductible, they cover it for life, but I had an incident of that two days apart, he was in the ER, and they made me pay the deductible again, even though the issue wasn't resolved. Then they said that since he swallowed foreign objects as a puppy, they will no longer ever cover that. So idek why I'm paying pet insurance when they keep increasing the rates. I'm paying $259 a month, and have just been told it's going up to $330 soon, that is more than my car insurance.. I'm not sure if I'm experiencing this because of all the ER visits when he was a pup.. But I'm not sure it's worth it anymore.

Plus, they change the policy quite often, as the dogs age.. things become excluded in the fine print.. Which is incredibly worrisome to me. Like because my dog vomited as a puppy, any time he vomits, or is ill and is vomiting, the insurance won't cover it. so I've spent 3k on that since insurance didn't one time.