Its more confusing than human health care! We decided to just start an envelope for our dog. We began with $200 in there to start and then we add $50 every month, since this is what you'd pay for a decent insurance plan. That way we have $600 per year or $3000 by age 5 when health problems may begin (but hopefully not). That way it's there for her if she needs it, and we don't have to forgo our vacation or our mortgage if something comes up. We pay for her monthly meds (heartguard & frontline) and yearly appointments out of pocket since it's not that much and not too many plans cover these things anyway. We'd rather just save money for her, that way it can be used for any medical problem. We don't want to run into coverage issues later, after we've thrown thousands into an insurance plan over the years. We're still looking into some minimal coverage plan ($15 per month or so) for emergency or accident care just in case.
'Shya' Xaera vom Nordosten Haus, GSD (b. Jan 2010)
'Behr' (2000-2009), GSD, always in my heart.