[ken0042]

We recently welcomed a new puppy into our home. As many of you know, we had to say goodbye to our 14 year old last winter. I am looking at starting pet insurance; in part because being a puppy, there will be no pre-existing conditions. With our previous dog, they kept finding reasons to say something was pre-existing; even if it was a bit of a stretch.

I am looking between Trupanion and Furkin. There are some benefits to each, but the price difference of the policies is significant. Here's the breakdowns:

Trupanion- $135 per month.
90% coverage, $1000 deductible. Deductible is lifetime for any given issue.
However they do not cover GST, nor the exam fee for an incident.
No limit on coverage.

Furkin- $85 per month
80% coverage, $300 deductible per year. GST and exam fees are included.

It is looking like Furkin offers similar coverage for less money. They are re-imbursement instead of direct pay to the vet; which doesn't matter to me as much. The thing is, neither vet I spoke to has heard of them. Does anybody here have first hand experience?

I also know there are cheaper plans out there, but most have lower limits like $5000. Main point of insurance is to make sure we never have to decide between re-mortgaging the house and helping the dog. Having some expenses covered in that makes it a little easier to justify the monthly cost.