Pet Insurance 14 replies, 12567 views

InTheButtLikeWhat
12/15/2010 7:33:00 PM
do you have it? would you recommend it?
Dianana
12/15/2010 7:44:00 PM
Indiana has it, we haven't had to use it yet but I still recommend it. I only pay $30 or $35/month.
RIP DOUG LEONARD
12/15/2010 7:48:00 PM
umm no
Brett Weir
12/15/2010 7:49:00 PM
The amounts of money I dropped at the vet last month for just teeth cleaning and checkup bloodwork has me considering it
PrimitiveFlesh
12/15/2010 7:50:00 PM
InTheButtLikeWhat
12/15/2010 7:52:00 PM
Originally posted by: Dianana

Indiana has it, we haven't had to use it yet but I still recommend it. I only pay $30 or $35/month.

which company?
Dianana
12/15/2010 7:59:00 PM
I forget, I'll have to ask Wren.

I also think it all depends on what dog you have. Bostons have a few health problems that can end up costing a bunch, so we decided to insure his little butt.
Bonsai
12/15/2010 8:07:00 PM
I've considered it for my puppy. Not for the cat... maybe when he is older and more likely to develop health problems, but not yet. My puppy will eat anything though, and I've twice had blockage scares with her that we thankfully were able to manage without a vet visit. Accident/illness coverage might make sense for us, I just haven't been able to decide on a provider yet.

I haven't seen a routine maintenance/wellness coverage plan that seems to make sense financially though. $120-240 a year extra for that coverage? And you only get an 80% reimbursement with most plans I've seen. A well-doggy checkup at my vet runs between $50-80, depending on the vaccinations required. At one or two visits a year, it's cheaper to not have the coverage.

I dunno lol. My dad and his wife picked up insurance for their new boxer/great dane puppy, and they have already gotten their money worth. The night before Thanksgiving, she was left alone in the kitchen for 15 minutes while my dad showered. He came down to find an entire bowl of stuffing and a bottle of 50 blood pressure pills eaten. Emergency vet clinic on a holiday... grand total of $1900. They have not yet been reimbursed, but are expecting to get $1500 back.

With any pet insurance plan, you still need to come up with the cash/credit on your own, and most plans offer 80% reimbursement. Some set limits that can't be exceeded for specific procedures and conditions, so even if your vet charges $600 for x-rays, you might only be able to get back $160. You definitely need to read the fine print of whatever plan you choose. If you are tight for money, I'd think it is probably worth it just to know you'll never have to make a decision to treat or not treat based on your financial situation.
Dianana
12/15/2010 8:09:00 PM
Yes, unfortunately they all seem like rip offs no matter what.
OscottO
12/15/2010 8:35:00 PM
i've got it for my dog and so far it hasn't paid off, but it may in the near future cause she may need a ct scan. i pay just under $50/month and it covers nearly everything. there's a $50 deductible per claim and they pretty much cover 90% after that. you do have to front the vet bill, but the reimbursement check is usually in hand within a month. we use vpi, get a quote at click here for link
chocolate juice
12/15/2010 9:07:00 PM
not having pets is a great alternative.
InTheButtLikeWhat
12/15/2010 9:10:00 PM
that's a shitty alternative, terrible advice.
Pollcat
12/15/2010 9:11:00 PM
My dogs have it and with Lizzie alone it paid for both of them.
chocolate juice
12/15/2010 9:13:00 PM
Gatsby
12/15/2010 9:18:00 PM
Lol