Hey Aggie - I have pet insurance and can offer you a bit of info:

I Have VPI (Vet Pet Insurance - how original) and love them. I got it for my 2 little himalayan kittens I rescued that had tons of medical issues when I got them. They should give you insurance on your 2 year old cat (I think they have an age cut off but its more like 6 or 8 years old). I think you would have a much harder time getting coverage on your dog because of the age, but I could be wrong. For my cats, because they had so many medical problems prior to enrollment, those issues are excluded from my policy. They have herpes, so any symptoms related are excluded, which means they will never cover those visits. Other medical issues were excluded just for 6 months.

I LOVE it - the peace of mind alone is worth the payment of $340 a year for both cats. It actually paid for itself last year due to a few visits. My policy does not cover routine or preventative care but you can purchase policies that do.

VPI has been great - easy to file claims - easy to get answers - they are pretty true to what they say they will cover and not too expensive. To boot, my Fitz and Lola get birthday cards on their birthday - which they love!

Good luck - I think its such a good investment. After racking up $8,000 and then $4,000 with older sicker animals - its really worth it.

and they MAY cover your dog. Give them a call - its pretty quick and easy.

www.petinsurance.com