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Old 03-04-2017, 11:00 AM   #1
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Default Pet Health Insurance

What are your opinions on pet health insurance? I didn't have it for Frodo but with everything he's been through I'm considering it for Loki.
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Old 03-04-2017, 11:59 AM   #2
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You will need to Google it or contact your insurance agent. We have never purchase any. I think Bigboy had purchased some in England. I don't know if it is that common in the USA.
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Old 03-04-2017, 02:40 PM   #3
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Having learned the hard way, I am a huge proponent of pet insurance. Both Chessie and my dog before her, Jordie, had tremendous medical expenses from bladder cancer treatments and with Chessie several cruciate surgeries, a THR, osteosarcoma treatment and amputation. I had taken out the aspca health insurance policy when I got Chessie as a pup having been through these costs with Jordie. Back then there wasn't much available with health insurance and by today's standards it would be considered a very poor policy and the costs of Chessie's care far exceeded the covered amounts. Things have, thankfully, changed dramatically in the world of pet insurance. Because of my previous experiences I did truly exhaustive research on the different companies offering pet insurance, what/how they cover, the premium costs, exclusions, etc. Healthy Paws was the clear choice for me. I have both Cheynie and Timi covered for 90% of all medical bills and treatments (excluding wellness checks which is fine with me) and there is only a one hundred dollar per year (not per incident) deductible. Their customer service is incredible... I have received an email confirmation of the processing of claims before I have even gotten home from the vet's office and the check has been in my hand with a week of it being submitted. I don't have to worry about anything not being covered, they even will cover a THR after a year of enrollment. I pay about thirty something dollars per month per dog.

https://www.healthypawspetinsurance....FYhXDQodzOkEcA
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Old 03-05-2017, 11:57 AM   #4
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I added this to my favorites in case I ever want to get it. Thanks JGI!
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Old 03-05-2017, 01:00 PM   #5
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The one our vet recommends is Trupanion. I will probably also research the others too. The quote I got was $20 something a month if i choose the $1000 deductible. Most likely I could part with the deductible. Other dogs that had what Frodo has cost around $3000 just for the diagnosis at the local veterinary university. We we just "lucky" I suppose, that he sneezed out a bit of tissue they could biopsy.
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Old 03-05-2017, 01:02 PM   #6
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Another thing to consider with Loki is that he doesn't seem to have the common sense Frodo has so it would be a good investment to get it for Loki.
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Old 03-05-2017, 01:59 PM   #7
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Quote:
Originally Posted by FrodoMom View Post
The one our vet recommends is Trupanion. I will probably also research the others too. The quote I got was $20 something a month if i choose the $1000 deductible. Most likely I could part with the deductible. Other dogs that had what Frodo has cost around $3000 just for the diagnosis at the local veterinary university. We we just "lucky" I suppose, that he sneezed out a bit of tissue they could biopsy.
https://www.caninejournal.com/trupan...-healthy-paws/

I know exactly what you mean about the costs just for diagnosis :-( I do, understand that high tech equipment is expensive, but it was still an eye-opener to see the bill!
One other thing that impressed me about Healthy Paws... I belong to two Potcake groups on FB. One of the women in the group had purchased HP and found out her dog had hip dysplasia three weeks short of the coverage eligibility of one year. She spoke to them and they actually "forgave" the three weeks she needed and covered all her dogs expenses. I was...impressed.
In all honesty, I wish I could get myself covered by them. My dogs have better coverage than I do and I would be happy to have Chessie's surgeon have a go at my knee!
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Old 03-06-2017, 11:36 AM   #8
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I don't have pet insurance on Leo though I did consider it. I never had it on either Arny or Roly either. It seems to be so much more expensive here in the UK.

I had a little chuckle at this
Quote:
My dogs have better coverage than I do and I would be happy to have Chessie's surgeon have a go at my knee!
I would most certainly consider if it was more reasonable over here.

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