School me on Pet Insurance
 

looking at getting pet insurance for my doggo.

she's a husky mix thats 4 years old.
she's about 60lbs.

teach me everyone - i'm all ears.

Price it out, and do the math. Long story short, if you get a puppy and don't have a solid emergency fund, pet insurance *might* make sense. In the developmental years there is a lot of risk due to a lack of training and knowledge. Getting hit by a car, for instance, is more likely the younger the dog is. By four years old, if the dog isn't well trained, is a recent rescue, or has some bad habits you haven't been able to train out (escaping the yard, for instance)...pet insurance *might* make sense.

But ultimately, if you're able to put the money you would spend monthly on pet insurance away into a savings account...and NOT touch it for any reason. You will 100% be better off in the long term. You really need to look at how the pet insurance policies pay out, and the maximum payout per year they offer. Short term, accidents like broken legs and stuff, it can make sense (but only if you aren't able to build up a safety fund before the leg happens). For long term illnesses like cancers, they very rarely have enough built into them in either the per-visit or annual-payout to be effective.

The details are in the actual policy, which you want to read thoroughly.

I'm 7 years in, $100 a month, and so far it covered $63 dollars of about $2500 worth of vet bills in my dogs life. Read the fine print, and if you don't, definitely don't bother with it.
I agree with everything Dave said. You might get in a situation where it will help you, but its a gamble, and there's a reason the insurance companies aren't losing money.

who do you guys use?

We are looking at TruPanion.

I don't have the policy to look at the fine print - what are somethings I should look out for?

I’m on Trupanion.
Big one is the dental. You have to get your dogs teeth cleaned twice a year to be covered for any dental surgery. Obviously that’s fucking ridiculous, especially with large breed dogs that are expected to go under general anesthesia for the process. There’s no way. There is a Canadian company who’s name escapes me who I would consider using for next pet.

We had the most expensive coverage plan with Petsecure. I agree with Dave. It wasn't worth it for us.