Post # 1
Has anybody else looked into dog insurance? I did yesterday. Not that it is expensive monthly, maybe $20 for a month, for one dog (I have 2). But if I am spending $20 a month, with a $200 deductible, $8,000 max limit…. is it really worth it? I can see if my babies have to have surgery, but for routine visits or medical emergencies.
Anybody else have thoughts/opinions about this?
Post # 3
I found that it was very much worth it. My little girl (in my profile pic), decided to play with a threaded sewing needle. Needless to say, she swallowed it. the surgery was done by an emergency vet, and was well over $4000. I ended up being responsible for around $200. The only downside is that you have to pay up front , then you are reimbursed. If you don’t have the cash or credit at the time, the insurance won’t be all that helpful. I ended up putting it on a credit card, then using the reimbursement to pay the card off.
Post # 4
I’ve got a plan through VPI for my shepherd/chow mix and it’s been great so far. It’s $33/month, but it reimburses me partially for routine stuff like vaccinations, heartworm/flea medication, and routine exams as well as major emergencies.
Post # 5
It is worth it for accidents. But to be honest the joy of pet insurance is that if you ‘use it you lose it’.
My fur baby was the runt and has had pet insurance since the day she was born. (It is what my breeder offers). Well long story short she has a rare form of diabetes and needs expensive medications to control it. This year I got a letter in the mail from my pet insurance company saying that because I have a ‘high risk dog’ that they would only cover 25% of my claim. They said that she was ‘high risk’ because the prescriptions need to be refillled every 2 weeks and this causes a high number of claims. Thank god for my smooth talking SO, our exceptional vet, and an excellent customer service lady because after negotiations they were willing to cover 70%. (which is still a reduction compared to my previous plan.)
In my opinion, it is perfect for accidents (like Mayabean’s dog swallowing something, or if your animal was ever attacked.) but if you are planning on using it for chronic issues, don’t bother. Every 6 months I’m in a battle with the company to just keep the coverage at a decent level. Just remember that insurance doesn’t cover ‘pre-exisiting conditions’ which as i’ve learned is just about everything to them. (ex. If your dog gets arthritis in old age the company I’m through and 2 others will not cover it unless the dog has been insured through the company since puppyhood. They say that the athritis has exisited since the puppy was born it’s just more intense now.) There are a lot of loop holes but if you ever did have an emergency then you only have a pay a percentage.
Post # 6
We have Trupanion and pay $40/month. We cover the dr visit which is usually about $40 and then they cover 90% of the remaining expenses. We have a pit who likes to get into trouble, ride a jetski and kill small animals such as skunks, squirrels, etc. My DH would be heart broken if anything happened to the dog.
It is annoying to pay but we’ve used it at least once a year.
Post # 7
I don’t really think it’s worth it; my dog’s annual checkup (for shots, labs, vet fee, etc.) runs around $200 already.
An 8K max limit isn’t going to help much if your dog gets cancer or requires surgery outside of spay/neuter.
Post # 8
I have 3 cats, and a dog. My cat got very sick we spent HUNDREDS of dollars getting him better. But if we had to get a blood tranfusion we wouldn’t have been able to afford it. She suggested getting pet insurance. (Have I done it yet?! OF COURSE NOT!) But I have looked into it. It looks like it would be worth it for emergencies! The vet told me to make sure to ask about the pre-exsisting condition policy.
Post # 9
Is 8k a lifetime limit? Or an annual limit? I respectfully disagree with Anise, 8k will get you a lot in the veterinary world!
Post # 10
I have the gold plan with $100. deductible and 90% reimbursement at $33./ month. I’d never have a pet without it.
Mine covers up to $20,000. annually.
Post # 11
Mine is $35 a month with a $50 deductible and covers pretty much everything except Cancer. Shots, routine visits, her getting spayed, the 3 times weve gone on an emergency visit. It probably hasnt paid for itself yet in the 2 years weve had it, shes 3, but its nice to have if something catastrophic happens and we do end up witha huge vet bill.
Post # 12
We had it for a while for my two dogs, It is good sometimes, but it is kinda like any insurance, if you don’t need it than you are paying for nothing. My female had to have bowel obstruction surgery TWICE but the first time we didn’t have the insurance but the second time we had most of the surgury covered, but like you said we had to pay up front and they reimburse you.
There is also a credit card that you can get that can be used for dental bills or vet bills called Care Credit and we got that, so my dogs have their very own credit card 🙂 But we found that we will keep that card payed down or as much as possible, and try to but the $20 we were paying monthly for the insurance away. That will work better for us, but I can def say that if you have it and have an emergency it sure does help.
Post # 13
@Miss Pez: I have two different policies. Dog 1 (9yrs old) has AKC’s Pet Healthcare Plan – and it has covered many things, including 2 CCL surgies on her knees. If I never make anothe claim, it has paid for itself. Warning: it got very expensive after she turned 8 and becamea senior dog.
Dog 2 (9 yrs old) has sheltercare because we adopted him at age 8 and most insurance won’t start a dog that old. I almost cancelled sheltercare and am glad i didn’t because ODg 2 has had a few issues this year and I have gotten more than my moneys worth out of the policy.
A $200 deductible is high- unless it is an annual deductible. Dog 1 has an annual deductible of $125 and I get 80% back on all illness/accident expenses. Dog 2 has a per incident deductible of $100 and I get 70% back on all illnesses/accidents.
Dog 1’s policy is $75/month and Dog 2’s policy is $45/month. Both are large dogs (policies for small dogs are cheaper). It also factors in your geographic location.
Both of our policies are easy to make claims. I know some insurances need very very detailed information, but ours just take the receipts from the vets office plus the vets notes.
If you PM me I’m happy to talk more. We’ve had our fair share of health issues. I seem to be supporting the vets at our local animal hospital…
Post # 14
Which pet insurance do you use?