(Closed) Pet Health Insurance

posted 5 years ago in Pets
Post # 3
Member
2810 posts
Sugar bee
  • Wedding: May 2012

@MamaHusky3:  Love ours, and we’ve used it 3 times.

We go through VPI and the plan cost is based on what you have covered. None of our routine vet stuff (annual shots, etc) is covered since those plans can get pretty pricey, but all catastrophic/disease care is insured. The percentage that is covered varies, but it averages 80-90%. We have two dogs and we pay $50/month total for both of them because we bought it when they were puppies. Their claims process is a breeze and I would absolutely recommend them.

Post # 4
Member
886 posts
Busy bee
  • Wedding: November 1999

I second VPI.

Post # 5
Member
3618 posts
Sugar bee
  • Wedding: November 2011

My furbaby is insured through the ASPCA. He’s 4 years old now, and his monthly premium is about $45. hefty 🙁 We are considering lowering it, but I’m just a little antsy about it. His covers just about everything, except certain vaccines that they don’t deem necessary when our vet does. He apparently can see a therapist though! He is covered up to 5k per incident. This is one of the higher tiers. We opted for this plan, because he is a smaller dog and there is a lot of wild life where we live. And DH’s childhood dog had been mauled twice in her long life time.

Post # 6
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

I have a plan through VPI, it’s $34/month and along with emergency stuff, I got the “core coverage” plan that reimburses me for routine stuff like shots, wellness exams, heartworm/flea medication.

Post # 7
Member
1549 posts
Bumble bee
  • Wedding: November 1999

We have pet insurance for our siberian husky. We have Trupanion and pay $30 a month. So far it has been great because she has a lot of allergies and was badly bit by another dog and needed staples. We pay the extra $5 a month to cover hip dyplasia, which is common with huskies. It covers 80% of the cost of accidentals/injuries. It does not cover routine exams or shots. 

Post # 8
Member
10454 posts
Sugar Beekeeper
  • Wedding: February 2014

I actually didn’t get it. I looked into it when I got my kitten last winter, but there was a LOT of stuff it didn’t cover. And based on my family’s experience with cats, they don’t usually develop any severe health issues until about 10 years old. By that point 10 years from now, I would have paid thousands towards this insurance. I thought I might as well not pay that and just deal with any issues if and when they come up. Also not to sound braggy, but I’m quite comfortable financially. And because Luke is like my child, no cost would be too high for him. 

All that said, this is for a indoor only spoiled rotten cat. I have heard that dogs can sometimes have more issues and I have no experience with that. So for you it might be a good idea, but I also suggest thinking about the long term cost vs. chance you’d use it. 

Post # 9
Member
8044 posts
Bumble Beekeeper
  • Wedding: December 2013

@MamaHusky3:  I have health insurance on my cat. I got it back when he was a kitten. We go through Petcare – I think it’s available in the States as well (we’re in Canada). We pay $35/month for it (I think US dollar’s about the same as us these days).

I like it. Haven’t had to use it yet but it gives me a peace of mind. If I remember right, you just fill out a form and they ask about pre-existing conditions and then send you some more info when you qualify. You can pick different levels of coverage depending what you want to pay and what’s important to you. Just read the fine print and you should be ok… I haven’t had any issues.

I’d much rather have this than have to pay thousands if something does go wrong. For me, my cat is a family member, so doing anything necessary to save his life is non-negotiable.

ETA: My cat is super spoiled, gets all the premium foods, is indoor only etc. This is just another way I feel I should look after him in case something does go wrong.

Post # 10
Member
3375 posts
Sugar bee
  • Wedding: October 2011

I’ve never gotten it for my dogs and don’t see any need. All of my dogs were very healthy up until their last month or two of life. And then the pain meds were very reasonable, etc. My dog is 7 now and hasn’t ever had a single thing wrong with her.

Personally I feel like it’s more important to buy the more expensive dog food than the insurance plan.

Post # 11
Member
10454 posts
Sugar Beekeeper
  • Wedding: February 2014

@canarydiamond:  Aww you’ve definitely got the right idea. Cats are awesome aren’t they!?!?

Post # 12
Member
8044 posts
Bumble Beekeeper
  • Wedding: December 2013

@Pinkmoon:  Haha yes <3 I am glad I’m not the only bee who is crazy about her cat 🙂

Post # 13
Member
1549 posts
Bumble bee
  • Wedding: November 1999

@PinkMagnolia:  I 100% agree about the more expensive, quality food. Unfortunately, because of our pup’s allergies, we need both. She’s definitely a spolied pup.

Post # 14
Member
924 posts
Busy bee
  • Wedding: January 2013

I’ve been looking into for our 2 year-old golden retriever.  Our 13 year-old lab just spent three days in the ICU and insurance on him would have been nice to have. 

Post # 15
Member
2778 posts
Sugar bee
  • Wedding: July 2013

What is VPI?  I have a Chihuahua and he had a lot of health scares in the last year and his knees have mild luxating patella.  Things got better for him when I convinced my guy to feed the dogs healthier food.  

I have been thinking about getting him a plan for if he gets sick again so I’m not out thousands of dollars.  I got suckered into the Banfield thing and he had that for a year.  I just called them to cancel because it wasn’t actually saving me much.  Its still valid for October so I think I can get his 3 year rabies and whatever other vaccines he needs in there before hand. 

Then I’m done with Banfield.

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