- mrsautumn36
- 2 years ago
I’m curious about Bees’ monthly pet insurance costs.
We’re looking into pet insurance because veterinary care can get very expensive. Our plan will be $60 a month.
I’m curious about Bees’ monthly pet insurance costs.
We’re looking into pet insurance because veterinary care can get very expensive. Our plan will be $60 a month.
We don’t have pet insurance, but we have a Care Credit card. We only use it for our dogs, and only if the vet bill is more than $400. We have used it twice, and both times it was interest free if paid off within 6 months. Both times we were able to successfully pay it off in the interest free timeframe. Despite these two higher bills and couple that were around the $300 range, I still think we have paid less doing this than having pet insurance, and this system is manageable for us.
I have Trupanion and I think it’s $50 or something. I know there were cheaper options with higher deductibles but I felt the option I chose was best for us.
It’s our intention (when we get pets) to put whatever we would normally spend on pet insurance in a separate high interest account and not touch it. With a dog and a cat, that = about $120 per month. In my mind, it’s creating our own insurance without the fear of them not paying/charging gap payments/massive excess payments etc.
My whole family has been bitten on the ass by pet insurers, so trust factor is like 0
We pay $120/month for the Nationwide Whole Pet with Wellness plan. It covers 90% of all vet visits, tests, procedures, medication and supplements. Essentially everything except food, grooming and boarding. I like that there are no caps with a $100 annual deductible. This may sound like a lot but after spending $9,000 in vet bills and $250/month in medication over the last 18 months for our other dog who recently passed, I definitely think it’s worth it.
Our plan covers boarding but not grooming or food. I haven’t seen any pet insurers which include grooming or food though.
My condolences for the loss of your dog.
Your plan makes a lot of sense.
What happened when your family members got pet insurance?
I looked into it for my dog but it was way too expensive because he has pre-existing issues so it was more than what I pay for Dh DH and I. We just pay out of pocket now and I hope and pray nothing ever happens to him that would cost unreasonable thousands of dollars that we couldn’t afford. Otherwise his maintenance stuff can be pricey but not too bad. He gets ear infections a lot and the cleaning solution is like $40 plus the antibiotic drops which idr how much they cost. But we started doing it at home so it’s cheaper than vet visits. His food also costs a lot. Agh but he’s worth it.
I think that healthy pet food is a worthwhile investment.
A pet who eats well is more likely to have a longer life span and less health problems.
Anyway, my cat has had diabetes when he was 13 yo, but went into remission after a month of insulin and canned food. Now he has diabetes once again (17 yo) and we saw (ultrasound) a strange growth in his liver (so we suspect hepatic carcinoma), but his biochemistry is better one month later.
When people heard I have to be home at 7 am and 7 pm to take his glycemia, give food and inject insulin, they ask ” he’s old, why don’t you put him to sleep?”
Wouldn’t the insurer say the same, to get out of the legal contract for drugs and treating complications like renal failure (dialysis), hospitalization, palliative care?
Also, do they cover hip replacement surgery for dogs from parents with a history in the family?
My parents pay approx $130 a month for their two dogs (either top cover or near top). Still pay out hundreds of dollars a year. Like, how is that worth it??
I second the suggestion of nationwide! I have had them for two years for our cats and dog and they are great. They have an app and make claims super easy! We saved tons of money with them so far and to my knowledge they are the only ones with no cap, that covers 90%,ER visits, wellness visits, shots, and genetic issues.
They even offered to cover trainer and behavioral modification as long as we get a referral.
Right now we pay $30 per cat and $90 for our dog($180 a month), it’s more expensive for puppy’s/kittens but it will drop after the first year.
That being said said I have had some clients get a spinal surgery 90% covered then when he had another pinched disk a few years later they would only cover 50% (the owners had gotten a letter to explain this after the first surgery and before the second issue happened).
I have a client currently undergoing chemotherapy on their pet using insurance as well.
I pay $18 a month for my dog. We haven’t had any big medical expenses come up since getting the insurance. As everyone else said, get it sooner rather than later.