Get it ASAP as most will not cover preexisting conditions. Some are breed specific and only cover certain things per breed. Another item to look at is the lifetime coverage amount. Once your set on a policy, plan to not change policies again. Think preexisting conditions will not be covered by any new policy.
It is making the correct decision the first time and staying with it. The sooner you get it the better off it is.
Research each company for your specific breed. For us, we have 2 dachshunds and found a policy that has no lifetime limits, no per annual limits, 250 deductible and covers IVDD. Glad we have it, one of them has had 2 surgeries this year at 10K a pop already and we have been fully reimbursed. They cover their annual dental cleaning, annual checkups etc with ours.
You do pay out of pocket and then submit for reimbursement. We have never had an issue getting the reimbursements back. usually a check arrives a few weeks after the submission. Need all doctors notes, receipts etc but I am glad we have the policies. We pay $160.00 a month for both policies.
Metlife is who our policy is through