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Do you have Pet Health Insurance? Thoughts, Opinions or Advice
  • BootzBootz
    Posts: 3495
    I still have not gotten insurance for my two dogs. But the money we set aside as an emergency fun for them almost doubled since we invested it in stocks. We had a hiccup with Bootz ruptured anal gland which cost $500 but that is still less than what would have cost us if we had paid the monthly insurance.
  • @bootz, send me stock picks!


  • Rina_LinRina_Lin
    Posts: 37
    Bumping because I am on the fence. :/

    I have read through some of these threads and it seems that it's good to have insurance for peace of mind and for those emergencies.. However, I'm wondering if I should just put aside the money I would have spent on insurance, and just use that in such an occasion?

    I'm looking at about $40 per month per dog, and that's not including heart guard/vet visits/shots/etc..

    Kitsu is only 1, so if I do get insurance I feel like I should do it soon before he develops any issues. But that $40-$80 monthly payment could go towards a savings account for him...

  • KiichigoKiichigo
    Posts: 28
    i'm sitting at $78.11/month for 90% coverage minus a $100 deductible.
    I may try to drop the monthly payment and settle for a higher deductible once Kiichigo is 1 year old or sooner (she's 6.5 months now) or even cancel the insurance in all.

    I think that setting money aside may be the better option. The saved money can also go towards treats and toys for her. From my exp so far the bulk of the vet fees were the "admission/at the door fee" ranging from $60 at our vet to $160 at the 24/7 clinic which isn't covered. $78 saved a month is about $950 a year.
    Post edited by Kiichigo at 2017-08-09 23:02:05
  • Rina_LinRina_Lin
    Posts: 37
    I'm thinking the same thing. Thanks for your thoughts! I think I may go with putting money aside just in case.
  • spacedogsspacedogs
    Posts: 361
    I buy Wellness Plans from our Vet office for each dog, costs about $500'ish CAD, paid in full within 4 weeks (no monthly payment options, this isn't insurance). That fee includes the following services for the year:

    - all annual vaccines (rabies, lyme, leptospirosis)
    - deworming if needed
    - 2x fecal floats
    - heartworm test in the spring
    - heartworm and flea medicine of your choice for 6 months
    - kennel cough vaccine
    - 6x nail trims
    - 6x ear cleanings
    - 2 baths
    - unlimited office consultations with a Veterinarian (not a technician) 24/7/365
    -5% discount on all other services, procedures, surgeries

    They offer other tiers of service that include dental, another one specifically for senior pets, and other packages for puppies/kittens that includes things like spay/neuter/microchipping/etc.

    Check the Vets in your area, see if any of them have these sort of Wellness Plans. I find it far more useful than insurance, it's covering the services I actually need to use all the time vs. sucking money away for things that I may never use (that goes in to a savings account instead).

    If you can find a Vet and a plan that offers you the unlimited free office consults, or something very similar and affordable, it'll give you incredible peace of mind. I don't panic if my dog eats something it shouldn't, I don't have to wait or worry if I can afford a trip to the Vet, I just go because it's already paid for. Cut a paw? Paid for. Ate a hydrangea? Paid for. Got a cat claw in the eyelid? Paid for. The discount on surgeries, etc., brought our cost of 2x patella surgeries down to just over $3000. All the pre-surgical meetings were free, all the follow ups were free, all the medications were included in the cost, even a panic run to the clinic at 3 a.m. because a staple came out was free. The peace of mind is almost as valuable as the free office consults hah!
  • Rina_LinRina_Lin
    Posts: 37
    Great advice! I'll call around! :)
  • Night_FyreNight_Fyre
    Posts: 9
    I have trupanion. As with any large company, reviews were all over the board, although the majority were positive. Under one stipulation, you cannot have a pre-existing condition. Be aware: the reviews I read on most companies say the same thing. If your puppy has any symptoms prior to coverage and then has the same symptom later, it may be chalked up as pre-existing. Ie; a GI issue maybe turned down if the puppy had diarrhea on the first vet visit before coverage. With that said, here is the reason I have insurance. My previous dog, a Belgian Malinois, had just turned 6 years old. He has been incredibly healthy all his life, and I had never really thought I needed pet insurance for him. And then, at the end of August, he began losing weight. He passed away from a very aggressive liver cancer on September 26th, after countless tests, one biopsy, three hospitalizations and two blood transfusions. In the space of one month, he had gone from seemingly perfectly healthy, to skin and bones and buried. The total cost for all of this was almost $7,500. At 6 years old, I would have had to have put away over $100 a month for all of his life and never touched any of it for his routine injections, neutering, and all of the other costs associated with keeping our companions safe and healthy. Fortunately, he never seemed to suffer, but I am still paying off the accumulated credit card bills. After that experience, insurance was the very first thing I purchased for the new puppy. I had not even had a name for him when I enrolled him under coverage. I sincerely hope that I pay all of his life for nothing, and never need it. But I will never forget crying in the vet's office, desperately trying to figure out what I could juggle to try and save my baby.
  • TigerKTigerK
    Posts: 10
    We found out my wife's employer actually offers pet insurance (they pay a portion, same way they do her health insurance). I'll have to look into the provider (I don't remember the name, we looked at it last year). When we do get our shiba, we will get the insurance; especially if her employer continues to offer to pay a portion of it.
    We talked about savings versus pet insurance; we're at the point in our life now that we have a child, a house that seemingly always needs repairs, school costs (we live in Louisiana; if you don't pay for private school for your child's education, they're not going to get decent one, sadly), and normal bills/family seems like a way to keep costs from becoming unmanageable when we may have other really big bills that come up. Example: I can't imagine having a $5k+ vet bill at the same time we need a new roof because of a hurricane or a pipe bursts and our child's $10k tuition is due.

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