Whenever you bring home a new puppy, this question always crosses your mind: Is pet insurance worth the money? Truth is pet insurance is very expensive, and like house insurance you may put thousands of dollars into it and your puppy may never require any health care until they are much older. On the other hand, health insurance can also reduce the cost of shots that your puppy would normally get throughout the year. However, you don't really won’t see the investment as being worthwhile until your dog has a more major problem.
Many large breeds (particularly those with low-slung back-ends, have a very high chance of developing hip dysplasia. Examples of these breeds include boxers, grey hounds, German shepherds, etc. If this happens, then any procedure at the vet will be very expensive. Border Collies, for example are prone to eye problems, while smaller dogs can have joint or back problems as well as respiratory problems.
The main draw-back for getting pet insurance is that you have to get it before your dog gets ill with the health problem or it won’t be covered. So if your dog has to have x-rays and an operation for hip dysplasia, then you’ll probably want the insurance. However, they won't cover it because the problem is already known! If that happens, but your dog has another problem in the body then the insurance will cover this particular problem as long as the dog didn't have it before the time you got the health insurance.
To get the best out of insurance, you would ideally want to insure get your puppy covered as soon as possible, preferably when they are still puppies because companies won’t cover claims if the problem is a pre-existing condition.
Also, please read each plan carefully and be sure it's a good one for the money. Personally, I'd go "mid price" and be sure it covers emergency calls.
Take a look at this site to compare the top 3 pet insurance companies in Canada: http://trupanion.com/canada?gclid=CJGcmfLuzKwCFcZM4AodkVbtqg
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