Post # 1
When we first got our dog, I thought I didn’t need it.
But this past year, I spent I’ve taken her to the vet a few times. And the cost are starting to add up.
I’m looking at VPI (Veterinary Pet Insurance).
They quoted me at $47.25 each month and it practically includes everything. Well, not cancer related items. Which I hope my dog doesn’t get.
This company reimburses you. So each month you pay $47 and then go to the vet. You have to pay for the vet bill but then you just submit the bill and get it back.
Sounds like I have to have a lot of “available” cash.
Wondering what I should do?
Anyone have pet insurance?
Yes, I know I’ve spent about $300-400 on her this year and pet insurance wil be $564. But there are things I’ve put off because I don’t know how much the procedure will be. Like my dog needs a teeth cleaning. So i can see myself paying about that much on my own.
Post # 3
I looked into it but it didn’t make sense for me. There were lots of things that were not covered (like regular well-visits and shots), and breed restrictions. So like I have a corgi, and back/hip problems aren’t covered. UM, that is why I would need insurance lol. It kind of seemed like a scam to me… but I only looked at 2 companies so maybe the company you’re looking at makes a lot more sense.
Post # 4
We have pet insurance for our cat. We ended up getting it after the second trip to the emergency clinic. The first trip to the emergency vet ended up costing us $2,000 because he ate the stuffing of one of his toys and needed surgery to remove it. The second trip wasn’t as bad, we only had to pay $300 for x-rays. He ate a satin string that was about 18 inches long. (It was from the inside of my satin robe) Luckily it came out on its own (Ew!).
After the second trip the vet’s nurse handed us a brochure for pet insurance that had a 20% off code. =/ Of course we haven’t had to use it but it’s nice knowing that it is there. You do have to pay up front but at least you will get most or all of it back depending on your insurance.
Post # 5
We don’t, but for the pet’s first year (as a puppy), I think it’s worth it. Our friends’ yellow lab puppy just had a really bad reaction to anesthesia after he was neutered. Their pet insurance covered the neutering anyway, plus the $600 for emergency care, with a $50 deductible. But yes, they had to pay it out of pocket first.
Post # 6
Check this one out,endorsed by the SPCA. We paid $75. quarterly for the best coverage for our dog,but got it too late. Once we were heavily involved in her treatment which lasted 2 1/2 years before we lost her, having the insurance for other things helped tremendously.
Make sure you read through exclusions and breed problems and your pet’s age.
Post # 7
- Wedding: March 2010 - Ritz-Carlton, Half Moon Bay
we have insurance for one dog, but haven’t gotten it for the other yet. honestly, we have it for peace of mind. we weren’t willing to shell out the extra money for it to cover general wellness, so it’s mostly for emergencies.
Post # 8
I looked into it briefly but since the basic plans don’t cover general wellness it wasn’t worth it to me.
Post # 9
No, but I have a friend who has insurance for his dogs and he doesn’t even have insurance for himself!
Post # 10
We briefly looked into it but I think we will eventually get it. We’ve been more than I would like, one dog has epilepsy and is on regular medication and the other has very sensitive skin. Plus shots and ckeckups, bloodwork, meds, teeth cleaning…it would probably be worth it! Anything could happen and vet bills can really add up!
Post # 11
right now the boy toy and i have 3 dogs, we don’t have pet insurance for any of them–2 don’t qualify because of age…but we will definitely be getting it for any new pups that come into our home.
Post # 12
No and I don’t know anyone who does either and they get along just fine. I’ve never met a vet who even suggested the idea. Honestly, it sounds like a scam to get more money from you.
Post # 13
Everytime I researched pet insurance, all the reasonably-priced plans were ripoffs. Most of them didn’t even include wellness visits and shots (like Corgi said), and even those appointments can add up, so what’s the point to pay more out of pocket for my dog than I do for myself?
Post # 14
- Wedding: June 2008 - Winery in the Gold Country
I too have heard it’s a scam… they ran a story on it on our local news a little while back… it works out for almost no one. They suggested that if you’re really worried about it, to start a savings account instead specifically for pet emergencies and contribute what you feel is necessary a month, like $50.
Post # 15
I know some people feel like it is a scam but I have it mainly for the peace of mind. In the first year and a half we had our cat we spent close to $2,500 on 2 emergency visists. If we had pet insurance we would have gotten back at least 80% of that amount. I would rather pay for insurance and know that IF something were to happen we would be 80% covered. Especially since our cat likes to eat random things and chew on electric cords. =/
Post # 16
PLEASE NOTE- I just googled “VPI reviews” Horrible reviews. I’m letting you all know because the website looks amazing and I was really considering getting it. Good thing I researched them.