It's not expensive. Of course it depends on animal and breed and probably age, I don't know if they ask about previous history because I got mine when my dog was a puppy so there was no previous medical history. I pay just under $50 a month
Pet Insurance | Nationwide Pet Health Insurance Plans & Reviews it was bought out by Nationwide. There are different options you can pick, from basic to most comprehensive.
And like I said before, you do have to pay 100% up front. Then you print out a form, write the policy number, pet name, your name and address and fax it in along with the vet bill. Within 30 days you'll have a check for roughly 50% of what you paid. Within a week or two you can log in and see what they covered and how much of it. I say roughly 50% because some things they cover completely, some partially and some not at all. For instance, clipping nails they don't cover, poop disposal they don't cover. I'm sure there are other things as well.
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