(Closed) Pet Insurance

posted 7 years ago in Pets
Post # 3
Member
1058 posts
Bumble bee

I purchased Pet Insurance from VPI Pet Insurance for all three of my dogs when they were puppies. If you have an older animal pet insurance companies will probably not insure your older pet. I recommend getting it for any younger pet that you may have. We have three dogs and we have had quite a few emergencies that would have cost us hundreds and hundreds of dollars, but with the insurance we get most of it back.

How hold is your puppy mill pup? if your pup is younger than 5 I think you might have a chance of insuring him/her.

Post # 4
Member
4137 posts
Honey bee
  • Wedding: May 2011

i skipped it. our puppy got very sick within a week of getting him, so even if we bought insurance the day we adopted him, it wouldn’t have been effective in time. so basically, we’re already out a few grand for his medical bills and when i shopped around for quotes, it wasn’t worth the additional expense for me.

Post # 5
Member
11325 posts
Sugar Beekeeper
  • Wedding: February 2011

I looked into it when I got my dog, but he was from a pound and already about 3. It was going to be about 60/month and did not cover routine visits or known breed problems (I have a corgi so it didn’t cover hip dysplasia or lower back issues I think). I figured out that the insurance was going to cost me $720/year and I’d still have to pay for the normal vaccinations and stuff… so I made a judgment call that I probably wouldn’t spend over that amount on him on a yearly basis. At 3 years in (this past wed… aw…) I’ve been right. The first year I got him I spent maybe 500ish because he came to me with an ear infection then got a few eye infections. The next year he was super healthy and didn’t cost anything above the normal stuff, and this year he was at the vet twice for emergency type stuff but the grand total was only like 150. So for me, it was just not worth it. 

Post # 6
Member
3576 posts
Sugar bee
  • Wedding: October 2010

We had it for our two dogs and to be perfectly honest with you, it’s not worth it.  And we were at the vet a lot.  I ended up canceling it. 

And, I do believe they will insure older pets too.  I remember reading about it, if you’re interested. 

This is who we had:

http://www.gopetplan.com/

 

Post # 7
Member
305 posts
Helper bee

I have pet insurance through VPI.  It’s a little expensive but it was totally worth it!  Well for one of my cats anyway.  A while after I got it, she was diagnosed with a slow thyroid and after all of the tests, I totally made my money back the first year.  The other cat.  Not so much.  She’s been pretty healthy and hasn’t needed anything but routine shots.

I personally plan on keeping it because if anything goes wrong, I’d rather have the coverage for them.  And in a strange way, it keeps me going to the vet more often for shots and checkups than I might otherwise, because I want to get the most out of the coverage.

I’m not sure if you would be able to insure your pets though.  (I believe, not sure) VPI doesn’t insure pets over 10 years or with any major pre-existing conditions.  You’d have to ask though if it’s something you’re interested in.

Otherwise you can set up an automatic withdrawal from your checking account into a separate savings for the amount you’d pay for the insurance and just use that for your vet bills.

Post # 9
Member
3613 posts
Sugar bee
  • Wedding: May 2010

I have VPI for both cats. One of them has several health problems, has had two surgeries, so the insurance benefits have more than paid for my premiums. Still, the benefits they paid out is only about 10-20% of my bills. If there is a better insurance out there I’d love to know about it.

Post # 10
Member
4123 posts
Honey bee
  • Wedding: October 2010

I’ve heard that if you are serious about insurance, the best is to take the $50/month or whatever the amount is and put it aside in a special account. My dogs largest issue surrounds a genetic trait from poor puppy mill breeding (also a rescue) so it wasn’t beneficial to us… 

Post # 11
Member
1890 posts
Buzzing bee
  • Wedding: May 2011

We do not have pet insurance for our two dogs.  We got them from breeders (not a puppy mill or animal rescue) and they’re mixed breeds, so they’re generally pretty healthy.  I know you love your vet but have you considered shopping around?  We used to take ours to a very expensive vet and now we take them to somewhere that is cheaper, doesn’t try to squeeze as much money out of us as they can, and  everyone there is delightful and kind to my precious pups.  Our first vet would charge me $25 for those free samples of dog medicine that their drug reps bring them–what a rip-off!

Post # 12
Member
5763 posts
Bee Keeper

We have it and had it for our last dog as well. Believe me, if you ever have need of emergency surgery, xrays, CAT scans, or chemo, you’ll be happy you have it. Even with insurance, we spent over $15,000. on our sick dog in 2 1/2 years. Just one grooming accident requiring an ER visit and stitches was close to $1500. and we got 80% back with our plan.

Since we’ve been through it once, we’d never be without it.

Post # 14
Member
5763 posts
Bee Keeper

We have PetPlan. It’s been wonderful.

 

Post # 16
Member
1944 posts
Buzzing bee
  • Wedding: June 2009

SHOP AROUND. First, I do not think the insurance is worth it but thats bc I have had 2 healthy dogs so far. I looked at it once and the cost of it over a year we have not even spent togethor for 3 years for our oldest lab.

But yes shop around. Our first vet we went to was super expensive! I mean our puppies first checkup was $200! I ended up not caring for that vet anyways and found our current vet and my new puppies first check up was $60 and I just took him back for his rabies shot/checkup and it was only $80. A sick visit last year for the older lab was only $125 and that was with meds etc. We vaccinate on our own, except for the rabies, so we save big there.

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