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$8,000 cap sounds like plenty under normal circumstances - and assuming you thoroughly researched the pup’s health and breeder?
My personal philosophy with any insurance is that you should only insure what you cannot afford to pay for yourself. So I went with a pet insurance that has no cap, but with a $2,000 annual deductible. So I am not insuring the standard trips to vet (e.g. swallowed a ball, stitches after being bitten by another dog, stepped in glass) that I can pay out of pocket need be, but I am insuring expensive circumstances (hit by a car, extensive cancer treatments) so I can give my pup all the care in the world with no limit.
This is super helpful- we’ve definitely done our research on the breeder, pups, & even spoken to the vet they take the pup to before we can pick her up at 8 weeks!
I have ASPCA insurance through my employer (discounted) - 15k / yr Cap, 90% reimbursement rate, $1000 deductible. It’s relatively cheap because of the deductible , discount, and age of the dog and is designed to care for major life events vs day to day. That being said I’ve hit the deductible twice in the last two years and received reimbursement so it’s paid for itself but in general it becomes a $300/ year bet vs the possibility of up to ~$13k in costs (net of premium and deductible). Assuming a weighted average of $500 / year in premiums over the next 12 years (hopefully!) saving those dollars would net me somewhere around $5/6k vs carrying insurance gets me effectively double that in coverage for the equivalent cost. I’ve got a mutt so pre-existing and breed-specific conditions are a nonissue for me but pay close attention to the exclusions on any policy - especially with a purebred dog.
This wasn’t asked but I previously had Trupanion. Great experience!
Apologies in advance for this unsolicited advice, but… Bernedoodle isn’t a breed — it’s a mix. Breeders who make poodle mixes can be a bit on the shady side (they’re tapping into a big designer breed trend and a lot of reputable purebred breeders won’t sell them their dogs to make mixes). So assuming the parents are a poodle and a BMD, just make sure both parents are health tested for anything and everything that impacts their specific breed. If one of the parents is already a mix it should be health tested for issues that impact both breeds. Poodle mixes also tend to have a lot of coat/matting problems, so definitely get them to the groomer early and often and get them used to daily brushing while young.
That’s great! Glad you did your research and were patient for a pup that is right for you!
Is that per year, lifetime, or per condition/diagnosis?
Per year!