don't know what country your in,,but when I got my gsd puppy, when I got her registration papers back,,AKC is offering a Pet Health Care plan,,,ok,,as an intro,,they offer it to akc reg'd puppies,,for 60 days FREE..
All you have to do is activate it,,there is NO cost..so I figured what the heck its FREE, I'd try it...It went into effect the day the registration went into effect,,the first 30 days covers ACCIDENTS,,the 2nd 30 days covers ACCIDENTS & ILLNESS with a 100 deductible,,still not bad since it's FREE..
Wouldn't ya know, Masi went and got flipped by one of my aussies,,hit a rock, developed a hematoma on her hock,,at the time we weren't sure "what" was wrong with her,,so 468$ later,,that was the diagnosis..
I filled out the claim form,,my vet did also,,and they REJECTED it,,I was PO'd to say the least, since they say "accident',,,so I decided what the heck I'll appeal it...I also got kinda snooty with akc, saying I was soooo glad I hadn't signed up and paid for this, because of all the PAPERWORK, and runaround I was getting ...well I kinda chalked it up,,about a month later I get a check from them for 368$...
))))
I did not sign up for the program, it was VERY expensive and hey maybe one day I'll wish I had, it really wasn't a bad policy (different levels/good coverage) but it was quite pricey...
I've had MAJOR vet bills on some of my dogs and well crap happens,,I probably did pay LESS out of pocket than I would have paying the premiums on the policy for x amount of years..
done rambling
)
Diane