(Closed) Pet Insurance

posted 7 years ago in Pets
Post # 3
1165 posts
Bumble bee
  • Wedding: July 2011

We have it but we have never needed to use it.  We got it 2 years ago when our new puppy was eating rocks and just about anything she could get her mouth on outside.  We wanted to have that back up plan in case she swallowed something that wouldn’t come out on its own. We’ve kept it because she is a very active dog and could easily injure herself at some point.

We use VPI and I think we only pay $15ish per month.  To us, it’s worth the piece of mind that if something happens to her we can have partial coverage.  It’s also good to get it early because, like with humans, they won’t cover pre-existing conditions. 

Post # 4
3618 posts
Sugar bee
  • Wedding: November 2011

When we first got our puppy we did the Banfield insurance through Petsmart since it included all the shots and neuturing all for free, not eve a co-pay/deductible, etc. I believe it was 45$ a month. After the first year (where they get a lot of shots!) I switched our dog to the ASPCA insurance, which is about the same price for the coverage we picked. I switched because I didn’t like that the Banfield insurance was inside the petsmart, therefore, limiting the hours they were open. I.E I wouldn’t know what to do in case of an emergency in the middle of the night.

Post # 5
2018 posts
Buzzing bee
  • Wedding: December 2010

Get it.  There are so many things that can happen to a dog.  Say getting bitten in the eye by a rattlesnake and getting a $5,000 vet bill (but he lived and kept his eye).  And then my brother was playing with him too rough one day (he’s a Jack) and injured his neck.  $900 for that misadventure. Oh, and then there was the time he ate a bee and was stung on his tongue.

I could go on but the lesson is, it would have all been covered by insurance.  I wished I would have learned that one sooner:)


Post # 6
11166 posts
Sugar Beekeeper

We have two Pomeranians and we had looked into pet insurance but decided against it. I do know some people that have been very pleased with it, but mostly because their dogs ended up with a lot of emergency vet visits.

That being said if you want to have a cushion without shelling out money monthly on the “if” scenario look into Care Credit. We have a large line of credit with them and it can be used at the vet (as well as doctor and dentist for you). On the rare ocassion that we have had a high vet bill we have used CC and if you pay it off in three months they don’t charge any interest.

Post # 7
124 posts
Blushing bee
  • Wedding: October 2011

Have had numerous dogs in my life and have never purchased health insurance for them. My reasoning is that you have to pay a certain amount each month, say $40 per dog and you never get that money back, even if you don’t use it. So why don’t you just put $40 a month in a bank account and only touch it for emergency vet bills? Over the years this is what we have done and it has worked out. We just keep pooling the money in that account until we need it for an emergency vet visit. If you never need the money, over the life of a 10 year old dog you would have saved up $4800!!!!

Post # 8
2018 posts
Buzzing bee
  • Wedding: December 2010

@futuremrsv: Good idea.  But it wouldn’t have helped me in the least. lol

Post # 10
11166 posts
Sugar Beekeeper



It doesn’t cost you anything to have so there isn’t any harm in having both insurance and Care Credit. Especially as you can use for personal health related expenses as well.


Post # 11
5778 posts
Bee Keeper

I have it and am an advocate of having it, after learning firsthand how vet bills can run if faced with an unexpected health issue. Our last dog ended up costing us over $15,000. in a 2 year period after she got sick, but it was too late for the insurance to cover it. Once we did get the policy, it did cover anything unrelated to her illness, which happened to be a $1500. charge for a groming accident needing emergency visit,stitches and medications.

We have PetPlan, and we pay $350./yr. for the highest coverage ($20,000./year) for our new dog, and we’ve already had her in the emergency hospital over Labor Day weekend to the tune of $528. We have a $100. deductible, and will get reimbursed 90% of the rest.

Do a search and review all the policies and their coverage. Ours covers many things other policies do not.

Post # 12
197 posts
Blushing bee
  • Wedding: September 2011

We do not have insurance for our pup, but I had the Banfield insurance plan thing for my old dog, and it was a huge waste of money.  Their prices are outrageous, and if you were to just find a cheaper local vet, it all comes out to the same price…  I would not recommend that to anyone, everyone I know who has gotten it or TRIED has not been so pleased with it… 

Post # 13
214 posts
Helper bee
  • Wedding: April 2012

We decided not to get pet insurance for our mutt. Instead of paying monthly for something we may never need, we opened a new savings account and put money in it monthly. Right now we put in $60 a month (or you can equal what you would pay for insurance coverage). It’s our cushion in our budget incase she does something stupid that requires a large medical bill (I’m sure it will be her fault if it happens). 

I looked into many different plans and wasn’t that impressed with the coverage for the cost. I talked to several friends who also have pets and many are doing the same thing we are. 

Post # 14
4803 posts
Honey bee
  • Wedding: August 2012

I have pet insurance for my dog through Trupanion.  It’s $70 a month (pricey but she’s a pug which can have a lot of issues).  I also opted for the no deductible plan.  Basically it covers all accidents and illnesses and related costs, x-rays, medications etc.  I pay 10% and they pay 90%, no deductible.

Post # 15
948 posts
Busy bee
  • Wedding: March 2010

FYI- the Banfield plans are NOT insurance!  It is a package of services broken up into monthly payments.  Depending on what plan you have, you can get bloodwork, x-rays, dentals, and spay/neuter done, but it is not truly intended for emergencies- if you use them up for the year, you will have to pay out of pocket if you end up needing the service again within that window of time. 


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