[Steve Carlton]

One thing they did was confirm my vet takes their coverage, or that Pumpkin accepts my vet's services. They pay me first, anyway, so I don't have to worry about the vet demanding payment from me.

I totally agree with you on aftermarket extended warranties on cars. Some shops take it; some don't and you have to pay upfront yourself. I deal with Fidelity, who will pay a dealership, and being reputable, the dealer will take their payment. Sometimes there's a small amount Fidelity won't pay, but usually not. A factory extended warranty is always best if possible/practical.

LWJ- I'm scared by having my dog's life on the line and not being about to produce thousands of dollars unexpectedly. I've always found dental insurance sucks, but it's always been a free benefit from work, so it's better than nothing for me. I get eye insurance free, too, and very rarely use it. But I think I need to start using it soon... I will say there's a lot of companies offering pet insurance, so hopefully the margins aren't too bad. But I can't afford to play the odds.