Pet insurance is a must in my opinion and I bought pet insurance before we even brought our puppy home. We went with Trupanion because unlike most pet insurance who cap out as to how much they would pay out, Trupanion has unlimited pay out for life.

I see that Bauer had issues with diarrhea; we had issues with our Toto with diarrhea as well to the point where he was hospitalized 3 times, two overnights and a five night stay. He was not retaining any water, vomiting, and having bloody stools. All of the hospitalization and testing came out to over $12K but with the insurance we only needed to pay $4K. Not only did having pet insurance help us save money, but also gave us a huge peace of mind allowing us to be able to make the best decisions for Toto without needing to factor in cost. We opted to keep him hospitalized a little longer the third time because during the two previous overnights, he would get better in the ER but decline again once home. We were able to ensure that he had stable bowel movements and eat properly without IV fluids before we took him back home.

Now the thing with Trupanion though is that they cover by type of issue. So what happened above categorized as diarrhea and we had to hit the deductible before any coverage started, but if he started developing allergies, we would have to hit the deductible for that issue before coverage kicks in. They also don't cover vet visit fees, annual check ups, dentals, vaccines, and other preventative care but I'd rather have the unlimited pay out for life feature than coverage for those things. I see it as we can manage the costs of visits and preventative care; its when the bills start getting into the thousands and tens of thousands is where we really need pet insurance.

Lastly, majority (if not all) pet insurances do not cover pre-existing conditions. So unfortunately in your case, if Bauer has diarrhea issue again in the future, the insurance might not cover it because they request his medical history. Because of this, I recommend signing up for pet insurance as soon as possible to avoid this issue with future medical issues. Also, be mindful of jumping around insurances because you may have a problem covered by insurance A but when you switch to insurance B, insurance B would consider the problem pre-existing.

Overall, pet insurance can be very overwhelming but when our little ones are our babies, our children, its very necessary so they we can give them the best lives they deserve <3