(Closed) Do you have pet insurance?

posted 8 years ago in Pets
  • poll: Do you have pet insurance?
    yes : (8 votes)
    13 %
    no : (52 votes)
    84 %
    other : (2 votes)
    3 %
  • Post # 3
    Member
    11325 posts
    Sugar Beekeeper
    • Wedding: February 2011

    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
    Member
    682 posts
    Busy bee
    • Wedding: August 2009

    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
    Member
    1074 posts
    Bumble bee
    • Wedding: May 2009

    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
    Member
    5762 posts
    Bee Keeper

    http://www.gopetplan.com/

    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
    Member
    605 posts
    Busy bee
    • 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
    Member
    2007 posts
    Buzzing bee
    • Wedding: September 2009

    I looked into it briefly but since the basic plans don’t cover general wellness it wasn’t worth it to me.

    Post # 9
    Member
    2475 posts
    Buzzing bee
    • Wedding: June 2010

    No, but I have a friend who has insurance for his dogs and he doesn’t even have insurance for himself!

    Post # 10
    Member
    928 posts
    Busy bee
    • Wedding: June 2011

    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
    Member
    159 posts
    Blushing bee
    • Wedding: May 2012

    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
    Member
    1465 posts
    Bumble bee
    • Wedding: October 2012

    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
    Member
    2015 posts
    Buzzing bee
    • Wedding: August 2009

    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
    Member
    1718 posts
    Bumble bee
    • 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
    Member
    682 posts
    Busy bee
    • Wedding: August 2009

    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.  =/

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