australian health insurance: PET INSURANCE...need info on good or bad experiences with pet health insurance for my 8yo dog-Opinions/Advice?

PET INSURANCE...need info on good or bad experiences with pet health insurance for my 8yo dog-Opinions/Advice?
Looks like it costs about $30-40ish/mo for my 8yo Australian Cattledog.He\'s in great health, but dont want any surprise $5k+ bills if he gets hit by car(he IS normally leashed)or otherwise injured.I\'m worried about spider bites,snake bites,coyotes,etc.We live in the mountains in AZ,so lots of creatures 2 come in contact with.I\'ve hit a few sites for pet insurance(the ASPCA offers a policy now too)and they all give sales-pitch-here\'s-why-u-don\'t-want-the-other-company lists...therefore,very confusing.Altho I\'d love a "pay for all/no yrly limits" policy if there was one,realistically hoping to find Catastrophic Coverage especially if it\'s cheaper per month(again,my main concern is to avoid a vet bill that could buy a car!So many horror stories out there!)Thanx in advance 4 any PERSONAL experience-both good & bad- &any ADVICE/OPINION...for BaiBai,who has had a very "ruff" life for 8yrs(rescued from Thailand,abused,etc.)NO WAY will I put this dog down if he needs surgery!
Answer :
I have VPI which is Veterinary Pet Insurance, I\'ve had this for about 2 years now. Its good and does pay in a reasonable amount of time, but watch the exclusions for previous conditions or congenital problems. Overall I\'ve been pleased with the company, customer service is excellent and they really try to help when you have a problem. My 2 year old German Shepherd got into a batch of pills for my other dog and ate roughly 15- 20 pills, long story short she survived but the bills totaled $2800. VPI reimbursed us for 1/2. Which is pretty standard after the per incident deductable. Best advice is do your homework, see what policy best fits your needs and ask lots of questions. I\'ve had many policies over the years and cheaper isn\'t always better.
Source : http://answers.yahoo.com/question/?qid=20080531000138AAXJQgp

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