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Old 08-05-2013, 01:52 PM   #1
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Question Pet Insurance

I'm a first time pet owner and we got our puppy in January. So far we haven't had to go to the vet for anything too major, knock on wood, but we have had to go for an eye infection and because he ate a cactus, apparently the prickers didn't bother him. I take him to dog parks all the time and he goes to a doggy day care frequently when we're working. So far he's just gotten little scratches on him occasionally and nothing major, just the typical little booboo's from playing all the time.

I've been looking into pet insurance in case one day he has a bigger issue. I'm definitely hoping it would never come down to having to use the insurance but I was wondering if others have insurance for their dogs and if so who do you recommend? I've been seeing a lot of mixed reviews so I'm a big confused as to which way I am leaning. Thanks in advance!

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Old 08-05-2013, 10:42 PM   #2
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I've always been a little curious about pet insurance, but never took that leap. I've heard there is a lot wrong with it--they'll pay a certain amount, they don't cover what they consider previous-problems with the dog, they don't cover breed specific health issues.

I have a Vet that is happy to work with CareCredit and I save a certain percentage of income every month just for this. Even then it's still expensive for certain treatments...


I would look around and listen to whoever can give advice on here. Most things can be avoided if you feed them right, exercise them and give them heartworm treatment every month along with a flea/tick killer. Vaccines need to stay up-to-date (there are posts about vaccinations all over the place here) and you need to take care of teeth (!!!). You might find that teeth expenses end up being what you pay a lot for and it seems like you're throwing away money. Never give your dog hard-bones [can crack teeth as it did to mine] and try to brush every day once a day.

Honestly, a lot of Vet costs can be avoided. And again...I hope someone else can give you specifics on insurance.

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Old 08-05-2013, 11:29 PM   #3
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I have pet insurance for my dog and would not even consider being without it. My dog has had several surgeries and hospitalizations that would have created real financial distress if I had not had the insurance for support. It has also allowed me to provide her with the best possible medical options and interventions without ever having to agonize over pursuing less expensive, but not optimal, solutions. Many insurance programs continue to improve their coverages, plans, and costs as more and more companies enter the market and need to be competitive. It is very important to take the time to contact each company you are considering and do a thorough evaluation of their offering.
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Old 08-06-2013, 02:44 AM   #4
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Are you willing to say which you use? I might end up doing it eventually when he gets a little older.

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Old 08-06-2013, 09:08 AM   #5
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I too would recommend insurance there are some good deals if you do some research it will pay off Emergencys do happen but saying that some things are preventable some garden plants/weeds are poisinous so please supervise your pup and teach him a good solid 'Leave It' this can be done when you see him going over to plants then redirecting him to a toy or even treat and give him plenty of praise when he gets it right So he will associate this with nice safe things instead of dangerous plants some can be fatal He won't learn on his own or grow out of this so you have to show him! Hope you find a good deal soon!
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Old 08-06-2013, 02:18 PM   #6
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I did have pet insurance, but it didn't work out so good for me. The insurance was always rejected as "a pre-existing condition." I think the absolute best thing to do, is get pet insurance as soon as you can. If you get a puppy, get insurance right away. As our pups grow, they can develop allergies, hip problems, just about anything. If you already have insurance, these things will be covered. Vet expenses cost about the same price as a Doctor does, for you and I. Pet insurance works almost the same way health insurance works for people. I say don't delay, and go for the insurance. It can save you thousands of dollars.

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Old 08-06-2013, 02:26 PM   #7
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Quote:
Originally Posted by leeshis0019 View Post
Are you willing to say which you use? I might end up doing it eventually when he gets a little older.
Dee is right don't delay as you never know what could happen which could cost hundreds if not thousands of $'s Read what it includes and what it doesn't some companies will let you spread the cost of the insurance over 12 months too and to end you wouldn't drive a car with out insurance go figure
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Old 08-17-2013, 12:14 PM   #8
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I ended up getting some pet insurance. After reviewing so many of the different companies out there and reading what feels like thousands of reviews I chose one and sent them all of Dozer's medical records so they can do a review. Definitely do it sooner rather than later. Thankfully Dozer hasn't really had to see the vet too often since he is only 9 months old because anything you take them for prior to the health insurance going into effect is considered a pre-existing condition and won't be covered. Thankfully we only have 2, that aren't big concerns. Thanks for the advice!

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Old 08-17-2013, 12:35 PM   #9
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Well that's good to know At least now you have some cover !! Can I ask how much and are you pleased with the level of cover you expect from your policy? TIA PS It's ok if you don't want to say
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Old 08-17-2013, 01:13 PM   #10
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I am going to be paying about $35 per month. They cover all accidents, injuries, and illnesses as long as they are not considered a pre-existing condition which thankfully I won't really have an issue with (they can do all medical reviews within the first 30 days of the plan this way you can back out and get your money back if you decide they are not for you, you just have to request the medical review). As long as you enroll the dog prior to their 6th birthday they will cover hip dysplasia at no additional cost as well as all hereditary and genetic problems your dogs breed usually encounters. There are also no limits as to how much they will cover in each policy period and over the course of the lifetime of the dog. With my $35 I have a $100 annual deductible (not per incident like a lot of other popular plans) and 90% reimbursement.

If you have any other questions let me know! I hope I never end up having to use it but the way I see it, I'd rather pay the $35 a month now which I can afford rather than have to deal with a major expense that I won't be able to pay.

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