From the Whole Dog Journal:
Pet insurance and dog wellness plans are not the same thing. Let’s look at the way these two cost-saving measures differ.
Pet Insurance
Pet insurance is for the unexpected medical events in your dog’s life. Accidents and illnesses can happen when you least expect them. If your dog ends up in the emergency room or needs specialized care, the cost of that care can quickly lead to a case of sticker shock.
Most pet insurance carriers require that you pay the veterinary hospital directly for services, then submit a claim to be reimbursed. Most veterinary hospitals require payment in full at the time services are rendered.
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