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Dog Owners, Is Pet Insurance A Good Idea?

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Dog Owners, Is Pet Insurance A Good Idea?

Postby Caddaric » Sat Sep 23, 2017 4:47 am

In my experience, most pet insurance companies don't cover enough to make it worth it.
Pet insurance for my two senior dogs only became a money pit, so I cancelled it.

http://www.associatedcontent.com/article/224557/the_truth_about_pet_insurance.html says:

Coverage, for most companies usually starts around the age of six to eight weeks of the pet. Then around eight years old, if not already on health insurance, most companies will not allow insurance coverage of that elderly pet. Most claims can begin to be covered after thirty days however double check before applying for coverage. Although most companies will only cover emergency or major surgical procedures, some will now also cover annual checkups, routine care, vaccinations and other preventive medications(such as heartworm and flea medications). Most recently some health insurance companies will allow coverage for minor illnesses and spay/neutering of the pet covered.
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Dog Owners, Is Pet Insurance A Good Idea?

Postby Jaap » Sat Sep 23, 2017 9:14 pm

I don't think so.
We looked into getting it when we got our Shar Pei because we basically spent over $10,000 to save her life & get her problems under control.
We found that pet insurance doesn't really cover the stuff that our dog needed to have done & the stuff that it did cover wouldn't be cost effective because the premium and deductible would offset the actual vet bills.
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Dog Owners, Is Pet Insurance A Good Idea?

Postby berlyn » Mon Sep 25, 2017 5:02 am

I don't think so. We have 14 giant breed dogs and I've never insured. I feel I'd pay more in premiums than the odd problem we may have, and I refuse to vaccinate just for an insurance policy. If you live where you have to vaccinate, then yes, I'd get the insurance, because most illnesses and health issues are caused by vaccines and processed dog foods (kibble). Trauma is just a luck of the draw thing. Our dogs are healthy and don't need the insurance as we don't vaccinate nor feed kibble or any other processed foods. But if you do those two things (plus toxic chemical flea and worm products) yes then health insurance would probably be used a lot. If your dog came from a shelter, it would have been re vaccinated and poisoned all over again, so yes, you will get your money's worth in vet bills.
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Dog Owners, Is Pet Insurance A Good Idea?

Postby Hartman » Tue Sep 26, 2017 2:02 am

If you do get it just make sure you read all the fine print and large print for that matter.
try to find one that you do not have to pay a deductible on every visit.
I had the VPI insurance for a year and didn't like it at all. it said it pays for this and that and all I got out of the first year was a total of 53 for a yearly payment of $589.
They never paid me for my two office visits, they didn't pay for the flea and tick treatment I bought (and they claimed that it is covered under the insurance).
So read the contract carefully before you enroll.
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Dog Owners, Is Pet Insurance A Good Idea?

Postby Tait » Wed Sep 27, 2017 1:33 pm

I would recommend that you try this web site where onel can get rates from different companies: http://cheapinsurancequotes1.info/index....

RE :Dog Owners, is pet insurance a good idea?

I have an adult dog I recently adopted. I have been debating about getting pet insurance for him or not. Do any of you guys have it? Is it worth it or not? Thanks!

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Dog Owners, Is Pet Insurance A Good Idea?

Postby Coachuhhar » Wed Sep 27, 2017 7:52 pm

You never know! He could live the rest of his life without any injury or illness.
Or, he might develop lots of problems.
There's no way to tell.
I'd say if you can afford it, it is definitely a good idea in case something big happens!
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Dog Owners, Is Pet Insurance A Good Idea?

Postby Myung-Dae » Wed Sep 27, 2017 10:01 pm

Yes, so long as they pay out when you make a claim. Im with tesco for my lurcher, and vet bill is £800 for when she developed an autoimmune disorder. Still waiting to find out if they pay out, but as long as they do, ive payed out £30 for two months and hopefully get the full amount payed with the exception of the £60 excess. If the claim is processed before the question ends ill update the answer. Hopefully there isn't a problem and ive saved £700 though. You could have a dog and its never needs more than spayed/fixed and checkups from vet but if it develops something or needs and operation worth thousands it should pay for itself several times. Basil my red setter has had his moneys worth out insurance too, after he cut himself on a bit if glass and operation cost a few hundred but u don't remember how much exactly. Like all insurance, the premium must cost more than the average payout, so if you could afford to pay out for vet bills out-write when it could save you money in the long run. I don't have insurance on anything except my dogs, not even my house or contents. Hopefully u never need it and it is a waste of money but wish my dogs were that lucky. Even the best looked after dogs can injure themselves outside or develop something and im very happy to pay for it at it does give me peace of mind(i know that's what the companies are selling) and has payed out in past.
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Dog Owners, Is Pet Insurance A Good Idea?

Postby March » Mon Oct 02, 2017 7:02 pm

As far as i know pet insurance works like people insurance.
if theres a pre-existing condition, there is no reimbursement, etc.
I work for a company, www.petassure.com.
you can receive 25% off of all vet services AT TIME OF SERVICE, and all you have to do is go to a participating veterinarian.
There are no exclusions...doesnt matter what age, what medical condition, etc.
Its like using a never ending 25% coupon.
There are no claim forms and no waiting for a reimbursement.
You see your savings immediately.

You can call our office between 9-5 e.s.t for more information or to see if theres a vet in your area.
Mention my name, and you will get a special rate for your pet.
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Dog Owners, Is Pet Insurance A Good Idea?

Postby bran33 » Mon Oct 02, 2017 10:47 pm

I do not think pet insurance is worth it. They often do not cover any pre-existing conditions and sometimes this includes anything that could be genetic. Also, any pet insurance I have dealt with, you pay the vet up front and then fax or mail in paperwork and get reimbursed the cost. I have had many client who are not fully reimbursed or have other similar problems. plus, the vet has to fill out a separate form for each visit and with at least one of the pet insurance companies, if you visit the vet within the same year for the same problem, they will not cover subsequent visits, only the first one.

I would recommend checking into Care Credit. First, see if your vet will take Care Credit. It is a credit card but it is only good for health care and only accepted certain places. The nice thing about this is that it gives you at least 6 months (depending on the balance on the card) to pay it off with no intrest applied. But, because it is a credit card you do not pay the monthly fee that you do with pet insurance. So you are not paying anything for the card and you have it just in case something happens with you new dog. The website is www.carecredit.com and i am pretty sure you can look up on that site whether or not your vet will accept it.

Hope this helps.
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Dog Owners, Is Pet Insurance A Good Idea?

Postby Glifieu » Sun Oct 08, 2017 4:07 pm

How old is the dog that you adopted? Depending on the age, you might not be able to enroll if its too old. What type of dog did you adopt? Because what you can do is look up the breed and see what the breed is prone too. Although, in general I think that pet insurance is a good idea to have for your dog because I have had to file a few claims and the process that I have gone through were really easy and efficient. And I save quite some money as well. Some companies do not cover pre-existing conditions so I would recommend getting insurance for your dog as soon as you can before signs of illness shows up. I honestly had no idea that dogs could even get cancer until my friends dog did and the bill was over 8 thousand dollars. I know I wouldnt be able to afford it if I ever got a bill that high! I have pet insurance with Trupanion, you can check them for more info on the policy: http://www.trupanionpetinsurance.com
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