Talk to your specific vet and see what they accept , what Co they recommend. Be careful , the vet may actually get a commission n selling the coverage so the recommendation may be biased.
I like the idea of a HSA for the dog!
Every month you put in $25 or $50 and use it as you go and hopefully some excess builds up.
Vet costs have gone nuts lately. Its frightening how fast a bill adds up for just the simplest problem.
When I was a kid , if a dog got really sick , you put it down. There was no question at all that you would spend $1000 plus at a vet. Now there is tremendous pressure to do all you can to save the animal. Also , the sad truth is that the vets will run up a bill of $1000 plus just doing tests and the dog still dies without you ever knowing the cause...you still owe the money for all the fruitless testing.
The point is try to be prepared by saving a rainy day fund as you go but also be prepared to let the dog go if you are suddenly faced with a potentially huge bill with no promise of a successful cure.Sounds hard natured but its the facts.
My cat got sick only once in her life. I took her to the vet. About $400 into it all the usual tests had been run and no idea of the sickness. The Vet calls me to OK an $850 MRI. I say no (all an MRI would do is tell me if she had cancer , in which case its $800 to know she's dying..I could see that myself without an MRI. Next thing you know , the vet does an Ecocardiogram on the cat..$400 without asking . Anyway , the bill got to $1400 and I get a call from the vet saying that she wants to put the cat down. I tell her to pump her full of antibiotics and steroids and see what happens. Vet says that could be bad for her health (she just called to ask to put the cat down!!!) Anyway , for $40 the cat gets Antibiotics and steroids and overnight she recovers 100%. So it cost me $40 for the treatment and $1400 for tests that eventually showed nothing.
Now this sounds like a gripe aboutr the vet but in fact our vet is and always has been an outstanding vet. That's just the way things are done today in veterenary medicine and the costs add up fast.
Sorry for the huge digression ......................