(Closed) Pet Insurance: Do you have it?

posted 7 years ago in Pets
Post # 3
Member
1041 posts
Bumble bee
  • Wedding: May 2012

I don’t have it, but I wish I did. A few months ago my dog got really sick, so we took her to the ER. They wanted her to stay overnight & quoted us over $1000 which I (a broke college student at the time) could not afford. So, he stuck a subcutaneous IV in her and sent her home. She passed that night. Pet insurance would have been a life saver, literally. πŸ™

Post # 4
Member
4804 posts
Honey bee
  • Wedding: August 2012

Yes, I have it for my dog.  It’s through a company called Trupanion.

I pay $70 a month.  It covers illnesses and accidents/injuries including medication and tests like x-rays.  It doesn’t cover regular office visits and preventative things like flea medication and vaccines.

If I make a claim, I pay 10% of it and they pay 90% with no deductible.

 

@TheLionQueen:  That’s so sad πŸ™  I’m sorry to hear that.

Post # 5
Member
85 posts
Worker bee
  • Wedding: August 2011

I purchased it for our lab puppy a few months ago (she’s 9.5 months now) after we realized she had a thing about eating socks & underwear. Thankfully she always ended up throwing them back up (a few days later, though), but we had heard stories about a friend’s lab who had eaten a stuffed animal and required $5k worth of surgery. We have ours through PetPlan and pay about $24 a month. I’d rather pay that each month over the course of her lifetime than be faced with a hefty bill all at once. Even though we could afford to pay a big bill at once, I’d rather not be put in that position, so the small monthly payments work for us. It’s nice to know she’s covered if anything were to happen

Post # 5
Member
595 posts
Busy bee

If I wasn’t a veterinary nurse and didn’t get a hefty discount I would have it for my 2 dogs and I would use Trupanion. They make it easy, you can choose your premium and deductable and it’s injury and illness insurance. 

Post # 6
Member
753 posts
Busy bee
  • Wedding: October 2011

I have it for both of my dogs.  It is completely worth it.  I go through VPI and they have been great.  I have one dog who is 6 months old (Beckett) and one who is 6 years old (Bailey) and has lymphoma.  I pay the more expensive premium for Careguard to cover routine visits as well.

If I didn’t have coverage, we never would have been able to treat Bailey for the lymphoma.  It covers $1200 per year of actual chemo which doesn’t sound like a lot until you figure out how chemo visits break down for a dog.  Yes, the chemo medicine is a big cost, but each appointment also involves blood work (which insurance covers separately) and a few other costs that are covered separately as well (other tests, etc).  So it actually ended up covering a lot more than I thought it would.  Bailey is cancer free (for now).  It will most certainly come back at some point but he lives a really high quality of life (chemo treatments don’t make dogs sick the way they do humans).  If he gets cancer after a new calendar year has passed, VPI will cover his treatments again at the full level.

I highly recommend getting some insurance coverage.

Post # 7
Member
36 posts
Newbee
  • Wedding: October 2011

I have mine through PetInsurance.com… I must say it has been a very pleasant experience! I pay about $25 a month for my lab mix. They have all kinds of plans!

Post # 8
Member
344 posts
Helper bee
  • Wedding: July 2012

I have VPI. I pay $24 for my dog and $22 monthly for my cat I believe but thats the cheap plan. Its fine by me though. I think they go as high as $45-50. I may be wrong. My first cat I used to spend a fortune on blood sugar and thyroid tests ( diabetes and hypothyroidism) so I learned my lesson. πŸ™‚

Post # 10
Member
80 posts
Worker bee
  • Wedding: December 2013 - Home

I use the wellness plans through Banfield (at Petsmart). I pay $55 a month for my two dogs, and it covers all office visits, exams, labs, shots, dental care for my oldest, and gives me discounts on meds and stuff. I love it.

Post # 11
Member
344 posts
Helper bee
  • Wedding: July 2012

Double post

Post # 12
Member
1165 posts
Bumble bee
  • Wedding: July 2011

We have VPI and I believe we pay around $15/month.  To be honest, I don’t even remember all that it covers, but I know it doesn’t cover routine visits (annual exams and vaccinations).  Thankfully we haven’t had to use it in the two years we’ve had our dog, but we felt it was worth the small expense because as a puppy she had a thing for eating rocks, so we wanted to be covered.

Post # 13
Member
753 posts
Busy bee
  • Wedding: October 2011

I just realized I forgot to put down my premium amount.  It’s $54/mo. for my little one (it’s higher in the first year because of spay/neuter) and $45 for my older one.

Post # 14
Member
1160 posts
Bumble bee
  • Wedding: May 2011

This is a good discussion–I wonder if we should get insurance? Or if we even could? We took our dog in last week for a lump in his skin which they think is a mast cell tumor–which would have to be surgically removed and maybe some radiation which I am sure isn’t cheap. If we got it now, would they consider that a preexisting condition though? I wonder.

Post # 15
Member
210 posts
Helper bee
  • Wedding: May 2011

I have the wellness plan from PetSmart for 39 dollars a month covers almost everything minus meds and xrays. Plus we get 20% off of items not covered. Just had to have my dogs ears cleaned because of a yeast infection and he was sent home with three meds we paid 200 out of pocket 70 of that was for enrollment fees.  He just stayed with the PetSmart hotel over the weekend and had to be seen because of worms and all we paid for that day of lab work was 32 dollars for his medication.

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