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Dachshund Pet Insurance? What Should I Look For?

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Dachshund Pet Insurance? What Should I Look For?

Postby avimelech » Fri Sep 22, 2017 10:55 pm

So I have 3 dachshunds and they are 3 yrs old. I have 1 miniature and 2 standard sized. And I know that one of there main issues is their back and all around that area and I want to start on insurance. So I am wondering what should I be looking for when picking insurance. I want to make sure they cover the diagnosis when billed but I am not sure what it would be if they were to get hurt. Any other dachshund owners or anyone can help me who may have had to use insurance for spinal problems? Please give me any recommendations or ones to stay away from that have not worked.
avimelech
 
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Joined: Mon Jun 17, 2013 11:57 am

Dachshund Pet Insurance? What Should I Look For?

Postby PenIlyn » Sat Sep 23, 2017 10:15 am

VPI Pet Insurance Major Medical Plan is not supposed to disclude genetic predispostions that are breed specific. Their other plans do, so you have to make sure you sign up for the major Medical Plan and then ask about the policy and read it over very well to make sure that those issues are not exluded. I had a Doberman, he wasnt on the major medical as it was not available at the time, I did have VPI and it did not include Wobbler's which he had and Cardio issues, which he ended up getting, after this they came out with the new policy. Check it out. You are smart to get pet insurance, it saved me thousands of dollars over the years.
PenIlyn
 
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Dachshund Pet Insurance? What Should I Look For?

Postby Orin » Sat Sep 23, 2017 11:55 am

Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it's nice to have insurance to cover the costs. Pet insurance does not cover pre-existing conditions, so if your pet is already sick or injured, it is unlikely that pet insurance will cover the costs to treat it.

For other costs like regular exams and vaccines, it's best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra $200 per year on your premiums for $200 worth of routine coverage...)

A few good questions to ask when researching pet insurance are:

1. Does the policy cover everything? Hereditary and congenital issues?

2. What are the payout limits? Will it be enough money for my worst case scenario?

3. How much does it cover for each condition?

4. What are the pricing and deductible options?

5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year?

Be sure to do thorough research - Some plans don't pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered.

We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only provider to offer a $0 deductible option.

Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what's best for you.
Orin
 
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Dachshund Pet Insurance? What Should I Look For?

Postby Montay » Sun Sep 24, 2017 4:13 pm

I recommend that you try this web site where you can get rates from the best companies: http://QUOTES-FOR-INSURANCE.NET/index.ht...

RE :Dachshund pet insurance? what should i look for?

So I have 3 dachshunds and they are 3 yrs old. I have 1 miniature and 2 standard sized. And I know that one of there main issues is their back and all around that area and I want to start on insurance. So I am wondering what should I be looking for when picking insurance. I want to make sure they cover the diagnosis when billed but I am not sure what it would be if they were to get hurt. Any other dachshund owners or anyone can help me who may have had to use insurance for spinal problems? Please give me any recommendations or ones to stay away from that have not worked.

Follow 5 answers
Montay
 
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Joined: Wed Jan 08, 2014 10:48 am

Dachshund Pet Insurance? What Should I Look For?

Postby Alric » Tue Sep 26, 2017 2:47 pm

There are options! You may want to look into an alternative to pet insurance. Check out Pet Assure. You get a big discount right at the time of service. NO limitations or pre-qualifications! That means, you don't have to worry about pre-existing conditions & such. It's also very inexpensive & if you wanted to have pet insurance also, you can use this for additional savings.
Alric
 
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Joined: Wed Jan 29, 2014 6:39 am

Dachshund Pet Insurance? What Should I Look For?

Postby Ryker » Wed Sep 27, 2017 7:27 am

I own dachshunds (standards).
So far, I'm on my 3rd and will probably get my next one sometimes this year.

I have been very fortunate to not have dogs that developed IVDD.
I do have a friend, who's mini wirehair dachshund did go down and did have to have surgery.
It cost her approx $7000.00 (surgery was done by a specialiest.

I do not have pet insurance on my dogs.
Reason, is most likely, they will not cover the treatment and surgery for IVDD, since it's considered "genetic" to the breed of dachshund.

So, if you are considering pet insurance.
Do your reserach.
When I called and asked them questions, they would not give me a direct answer and whether they would cover the IVDD treatment (surgery) or not.

One of the very best things you can do for your dogs is keep them lean and fit.
Ryker
 
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Dachshund Pet Insurance? What Should I Look For?

Postby Crombwiella » Thu Oct 05, 2017 1:21 am

There are excellent animal chiropractors, and many "regular" offices also treat animals on occasion with great results, just like my old colleague in Tacoma who used to treat a Dachshund now and then. Call and ask - it's by far the best and most cost effective way if you ask me, just like with people.
Crombwiella
 
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