Pet insurance plans used to have the reputation for not covering many conditions you'd want them to. Have things changed?
In the past, most interactions with pet insurance companies were time consuming and frustrating. It seemed that they worked hard to find ways to avoid paying claim reimbursements. Today, things certainly are not perfect, but they have improved substantially. The key is to troubleshoot in advance the types of things your pet might be predisposed to. Rarely do pet insurance companies cover preexisting conditions and most do not cover breed-specific conditions. For example, Dalmatians are notorious for forming bladder stones. All but one insurance provider I am familiar with will not cover this problem. In my book, Speaking for Spot: Be the Advocate Your Dog Needs to Live a Happy, Healthy, Longer Life, I provide a comprehensive list of questions to ask yourself and insurance providers to help determine if health insurance is right for you and your pets, and if it is, which insurance provider is right for you.
If health insurance makes sense and people do their homework to find the right fit in terms of health insurance providers, I think most people are quite pleased with the outcome.