Hi Everyone!
This is my first post on the forum and I'm excited to be picking up my retired racer (Don, to be renamed Greyson Frankie) on Sunday! Among everything else that's got me anxious lately, I wanted to get some opinions on pet insurance and your experiences with vet visits in the past to make sure I'm properly set up for anything that may come up and require attention.
I work for a company that partners with Nationwide and provides a great discount on their complete insurance package, at just under $90 per month with a 90% reimbursement. The caveat to this is that the annual limit is $7,500. Should I choose not to go through my employer and purchase the insurance on my own, the cost for the same coverage increases to $150 per month -- however, there's no annual limit. Choosing not to go through my employer means that with each passing year the premium increases (it was quoted at $265 per month at age 9, for example), whereas the discount means the cost is the same for as long as doggo is mine (even if I leave the company).
I've never had a dog before aside from my parents' when I was growing up, so I don't know if that $7,500 is considered "a lot" or if I should instead skip the employer discount and pay more per month if it's expected that I could easily surpass the limit. I'd, of course, prefer to save money where I can and the lifetime price guarantee is a huge perk, but I'd never forgive myself if something happens and I can't afford the costs beyond the $7,500.
Any input is appreciated and looking forward to hearing from some of you on your past experiences. I'm so excited to bring Greyson home and becoming more active on the forum!