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Do you think pet insurance is worth it?

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So im looking into getting pet insurance for mason and was curious what people thought and if they have for their pets at home.. It looks pretty beneficial especially since the breed is known for health problems..
 

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It's been both good and bad for my dogs. I pay $30 a month for each dog. I got it when Chico started limping around 6 mos. because I was told that it would cover hip dysplasia. Well, unfortionatly, you have to be very sneaky. If there is anything at all in your dog's file stating that he has ever limped, he will not get coverage. Chico didn't have anything in his file, but when the nurse wrote up his letter after he was diagnosed, she stated that he had limped a little since he started coming into that clinic. I was furious! So he wasn't coverred. When Heidi had her accident with the poison, our vet bill was $5500. They payed back the max for an accident which was $3000.00 so it was very helpful for that. I'd still be paying that one off and it's been 6mos. I think it's great for accidents but I wouldn't count on it coverring a lot of illnesses, especially if they're known to be hereditary. The companies argument was that dogs don't get hip dysplasia overnight so Chico must have allready had it when I applied for coverage. I feel like they make a lot of promises and then when something does happen, they don't come through. I feel that way about most insurance though, not just pet insurance. I'm guess I'm a bit cynical. :lol:
 

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Chico.Heidi said:
I feel that way about most insurance though, not just pet insurance. I'm guess I'm a bit cynical. :lol:

I completely agree with you on that one! I personally don't have it (although sometimes with the amounts of accidents roxy has, I wish i did!). I just don't think it balances out. The amount you pay out, you can never claim that much ever! I think it's more of a personal choice.
 

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peeblerelf said:
Chico.Heidi said:
I feel that way about most insurance though, not just pet insurance. I'm guess I'm a bit cynical. :lol:

I completely agree with you on that one! I personally don't have it (although sometimes with the amounts of accidents roxy has, I wish i did!). I just don't think it balances out. The amount you pay out, you can never claim that much ever! I think it's more of a personal choice.

Ya, I know what you mean. I think I'm gonna cancel it once the dogs mature a little. We're comming up on the two year mark and they're finally starting to settle down a little. I don't worry as much about them putting weird things in their mouths or yanking each other around by the collar! :roll: It would probably be smarter if I just saved that $60 a month in an emergency account for them.
 

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Chico.Heidi said:
peeblerelf said:
Chico.Heidi said:
I feel that way about most insurance though, not just pet insurance. I'm guess I'm a bit cynical. :lol:

I completely agree with you on that one! I personally don't have it (although sometimes with the amounts of accidents roxy has, I wish i did!). I just don't think it balances out. The amount you pay out, you can never claim that much ever! I think it's more of a personal choice.

Ya, I know what you mean. I think I'm gonna cancel it once the dogs mature a little. We're comming up on the two year mark and they're finally starting to settle down a little. I don't worry as much about them putting weird things in their mouths or yanking each other around by the collar! :roll: It would probably be smarter if I just saved that $60 a month in an emergency account for them.

I think that sounds like a great idea too. Much more practical
 

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I don't think it's worth it for CC becouse my vet doesn't take it and it would cost $360 per yr and I've paid a total of $230 in vet bills this yr. so I don't think its worth it .
 

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Cookies Mom said:
I don't think it's worth it for CC becouse my vet doesn't take it and it would cost $360 per yr and I've paid a total of $230 in vet bills this yr. so I don't think its worth it .
It's not like human insurance. No vets take it. You have to pay up front and then the vet fills out a form to send to the insurance company. The company then sends you a check to reimburse you. I wouldn't recommend it to you. I just got it because I was anticipating problems with Chico's health. It kinda let me down though anyways. You wouldn't get any of that $230 back from your bills this year because they don't cover medicine or vaccines and the copay is $100 for each office visit. The more I type, the more I realize I need to cancel my policies! :lol:
 

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The big IF...

I have it for Roo and Carla. I didn't get it for the routine stuff, like us humans use it for, but in case something big happens (hit by a car, etc). A $5000 vet bill would be a monster curve for us. It is a little cheaper because I got it through work too, so it was an easier decision.
 

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HEY. GO TO WWW.ASPCA.COM ON THEIR THEY HAVE A LINK FOR PET INSURANCE. IF YOU JUST GET BASIC COVERAGE, LIKE SAY YOUR DOG GETS HIT BY A CAR, THEIR COVERED. ITS FOR REAL EMERGENCIES. THE NEXT PACKAGE UP COVERS ALL VACCINATIONS AND SICK VISITS. CHECK IT OUT IT RANGES FROM $10.00 A MONTH TO 75.00 AND THEY GIVE FREE QUOTES.

GOOD LUCK
I THINK ITS WORTH IT.
 

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LegendsMami said:
I don't. I set up an account that I put money aside in just for any accidents/sick that could happen for my babies! :lol: :D
This is what I do. I was thinking of getting pet insurance but decided against it.
 

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I have insurance through Banfield. I know not everyone likes them but I think it all depends on the vet you get. I absolutely love our vet. She is very friendly and super knowledgable. We pay $20 a month and that included free spay/neuter, free shots and free vet visits. It has saved us bundles on the every day mishaps and routine check-ups. Not much help on the big stuff but great for the usual bully issues. We also get discounts on most medicines we get. Vet visits alone are $35 dollars and for his first year or so he was there atleast once a month for something, so it really saved us a lot.
 

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i have pet insurance for george. i pay £130 a year and if and when he needs vet treatment i just take my policy letter in and they deal with every thing else. i just pay the vet a £25 excess fee and everything else is covered. i love all my pet insurance policys (i have 3 policies) even the reptiles are covered. they even get birthday and christmas cards from the company. :lol:
 

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laws said:
i have pet insurance for george. i pay £130 a year and if and when he needs vet treatment i just take my policy letter in and they deal with every thing else. i just pay the vet a £25 excess fee and everything else is covered. i love all my pet insurance policys (i have 3 policies) even the reptiles are covered. they even get birthday and christmas cards from the company. :lol:
sounds like insurance companys over there are nicer than they are here in the states.
i'm not a fan of insurance company, but i know that it is a necessity to stay healthy and not go bankrupt.
 

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Well

With a $10 a month payment I think its worth it. If Beamer or Harley get attacked by another dog, hit by a car( which I don't allow them to run around but just saying..), develop any strange medical problem I think its well worth the minimum coverage. I pay $120 a year for Harley right? Last season she was attacked by a pit bull that required staples and before that she got a toenail snagged in the carpet and ripped it off. Each incident cost us $200+ each. If I would have had insurance at the time, it would have more than paid for itself. Imagine if she had needed a surgery that costed $3000-5000? Could we afford to lose that much cash or just pay $10 a month for the peace of mind? Insurance is about emergencies, you feel lucky?
 

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I got insurance through VPI for 2 cats and 2 dogs after my 3rd cat got cancer in February of 2007. In June of 2007 my Ab got cancer. My total bill was probably over 9k and VPI ultimately paid about half. I had VPI's best policy including the cancer rider and in the end there were numerous wordy exclusions and caps on various treatments. I was very disappointed. I've done a ton of research on the different pet insurance companies. The best one in my opinion is Pets Best Insurance. I'm switching my dog and 2 cats to this company this week. The reason I like them the best is because the plan I am opting for covers up to 7k and will cover 80% of the bill after the 75$ deductible. There are no exclusions or caps. Whatever the bill is and what ever the treatment is, they cover 80% of the bill. Why I got screwed with VPI with my dog with cancer was because it took 3-4 weeks before the doctors could diagnose him with cancer. He was in the intensive care unit for 2 weeks and in that time most of the cancer tests were negative yet the were sure he had cancer. So they kept giving him tests but what I didn't know was there was a fairly merger reserve for testing and once I exceeded that cap, all cost were out of pocket. At least with Pets Best Ins. you know you are responsible for 20% plus 75$ deductible.
 
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