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pet insurance

jackieb
May 15th, 2005, 05:27 AM
Anyone know of any good ones ive been looking on the internet and the basic package seemed reasonable.

Does anyone have there pet insured and is it worth it?

raingirl
May 15th, 2005, 08:50 AM
we Insured Odin. I wasn't prepared to have to spend $3000 in vet costs if he gets hit by a car or something. Better safe than sorry.

We went with pet plan. The trainers and behaviourists and rescue we got Odin from all recommended it. We have the one just above basic I think....but because we have a "premium breed" it cost a little more...like $15 a month or something.

jackieb
May 15th, 2005, 05:59 PM
thanks i will look into theese i want to insure the dog i get but wil have to look into what there insured for etc.

babyrocky1
May 15th, 2005, 06:36 PM
Raingirl, 15.00 per month??? I looked into it for Rocky (health ins.) I called a few companys, that was almost six years ago and they said no one would insure a"staffordshire terrier, pit bull, what ever, anyway the other day, with my credit card bill, I got an ad from Presidents choice, they said all dogs could be insured, I called and confirmed that they would insure pit bulls. Yes they will, but there all breed rate starts at fifty dollars a month! I was going to post and ask people about it anyway and then I saw your post. Hmmmm, theres a huge difference there. I would think it would be more for bulldogs as they have alot of health issues don't they?

pupyluv668
May 15th, 2005, 06:57 PM
$15!!! that is WOW!!! i had pet plan quote insurance for duke (staffie) they gave me $49!! that is a plan they call ribbon....but if i choose premium it would cost me more! What's the name of the insurance company you have?

raingirl
May 15th, 2005, 08:37 PM
The insurance is "pet care" (same company that runs "shelter care" off petfinder).

I think we have either the "quick care first" or "quick care plus". I dunno...my BF signed up for it and pays for it. I know we got a discount because of having him microchipped.

I think we also paid for the emergency care, $20 for the whole year which will cover up to $3000 in immediate vet costs say if he got lost and was brought to a vet. It's linked to his microchip. You have to have the microchip registered with 24petwatch to get this coverage though.

http://www.petcareinsurance.com/can/dog/index.asp

Prin
May 15th, 2005, 09:14 PM
With Pet Plan, last I checked, it was $62 per month to be fully insured. It includes the vaccines, heartguard, and any emergency surgery (including gastric torsion). I wouldn't get it if it was anything under that because everything else is small in comparison-- but I don't have it.

Just make sure you always read the fine print because you don't want to be paying for something that doesn't even help you in the end.

Catt31
May 16th, 2005, 07:59 AM
I have PetCare for Brick too, we are on the Quick Care first plan - $15 a month is the cheapest plan, then it goes up for the more coverage you want, and specific breeds. We've already made a claim and they are very quick and efficient, I am quite happy with them! Brick has to have a lumpectomy and our plan will cover it all except a $50 deductible, which will be nice since the bill will be over $300!!

chico2
May 16th, 2005, 08:36 AM
I looked in to the Pet Insurance my vet advertises,a basic coverage $32 per cat/month,not covering shots,fleatreatment etc..
It would cost me $96/month... :eek: I don't know about anybody else,but we will take our chances,should any of my cats get sick,we will pay for it.
If you have a dog,predisposed to hip/joint problems,bloat,parvo and whatever else I've read about here,I might consider it,but three cats,no!

raingirl
May 16th, 2005, 09:00 AM
Yeah. You have to weigh your options. As we only have one dog, one that is prone to health problems, we opted to get insurance.

Bullies are prone to hip and knee problems as well, so we have comfort knowing he will be covered if he needs xrays or surgery.

We are going to try and get his allergy testing done. His allergies weren't as bad when we got him, so I'm thinking they are seasonal. They should be covered because his skin is getting bad.

SnowDancer
May 16th, 2005, 09:44 AM
Definitely weigh your options - and you might discover that starting a bank account for your pet might pay off in the end. There are cheaper plans available than there were a few years ago but even with that the deductibles, the breed differentials, the conditions not covered etc. made one think. We had one female dog for 6 years. We paid premiums exceeding $4,500. She needed immediate "female" surgery costing $1,100. By the time the insurance company was finished, we were reimbursed $400. We did cover one of our Dachshunds, but with the back surgery forget that. When we got our Eskimo the prices quoted were high, except for one plan in Ontario that costs $26 a month - with a maximum lifetime payout of $12,000 for the dog - EXCEPT that it specifically excluded hip dysplasia, disc disease and teeth. Teeth I am not worried about as Eskies has fabulous teeth - but dysplasia is just too common a health problem - and Eskies are prone to it. So money goes in the bank and you hope to break even. In discussing this subject with other patients at the vet's office while waiting, many people are now opting for bank accounts after facing the reality of how much of their dogs' surgeries were covered.

chico2
May 16th, 2005, 09:59 AM
Snowdancer,Sounds like a good idea...I forgot to mention teethcleaning also not being covered and here at $300+/per cat(looking for a cheaper vet!)I do the best I can to try to keep the cats teeth clean.

raingirl
May 16th, 2005, 10:15 AM
We thought about the bank account thing, but it would take years to save up to a reliable amount.

I used to work in insurance, so I read the policy and exclusions before we signed up. Pet Care is underwritten by Kingsway and ING insurance, which I know are good companies.

OUr policy only has a $50 deductible the first time it is claimed (like, if he has skin problems like he does now, and I get a checkup, testing, etc, $50 doesn't get covered off the first bill...then everything related to this "illness" is covered up to $1000)

It covers anything accident related, and 6 illness catagories (ears, eyes, etc). I read the catagories and what is covered under each, and all is well.

I even know some of the people who process the claims for pet care.. the beauty of working in insurance is you get a lot of connections.

babyrocky1
May 16th, 2005, 10:17 AM
Yes, a bank account sounds like the best way to go, so far Rockys medical stuff has been mostly under two hundred dollars, which is the deductable and this plan doesnt cover vacs, heartworm protection, reg anual stuff, just accident and illness. the fifty dollars a month was the cheepest they had! Hey and you could get lucky and not need it and then take your pooch and yourelf on a cool vacation!!! OUT of Ontario in our case! And you earn interest on your savings!!!!Im going to check into you ins. company though Rain Girl, taht sound like a much better plan, if they cover pit bulls.

SnowDancer
May 16th, 2005, 10:20 AM
chico2 - I sure no what you mean about teeth cleaning costs - and not matter how hard you try, some breeds just have bad teeth - dogs and cats alike. Small dogs with big teeth of course often have a problem. Before my little Dachshund died I took him to the dentist with me as I could not leave him alone as a recurrence with surgery not an option was imininet. So dentist said to bring him. As we were leaving we were stopped by another patient who told me she wished our dentist also did dogs as her rates were cheaper. And even giving a Greenie a day won't completely stop the tartar build-up, but for sure the cost of a regular Greenie a day will equal the cost of annual dentistry. My Eskimo has fabulous teeth - dare I say "too fabulous". But I expect as he gets older their will be build-up to be removed. I want my husband to brush pup's teeth - I am dreaming this will happen. Now as long as we never have to deal with hip dysplasia and a middle of the night run to Guelph, I will be content - my dog and I have made a deal. At least I know the name of the neurogsurgeon I want.

raingirl
May 16th, 2005, 10:21 AM
Yeah. If I just had a regular dog not prone to problems, then I would consider the bank account maybe. But with a English bulldog, unless I could save up $3000 right away, I wouldn't want to take the risk. As it is now, his eye problems aren't covered by the insurance unless 6 months goes by without treatments, then they are. And he needs at least $1000 worth of surgery. He is going to the specialist today though..I hope that doesn't cost too much!

jackieb
May 16th, 2005, 10:26 AM
The reason we were thinking of the insurance option is because we are wanting a large breed so therefore vet costs are higher. Alot of them do have clauses as to whats covered ill have to read the fine print when we get a dog or get someone to read it to see whats covered.

We wont have spare cash as we want to save for the boys to replace money of theres we borrowed to help with the immigration here.

Prin
May 16th, 2005, 11:19 AM
I say, if you're going to go for it, go all the way. I know with the Pet Plan one, you're pretty much covered for everything. Boo could be very high risk for bloat, but my man agreed that we'd pay if/when the time comes, no matter what. I consider it a problem that is partially my fault. I know he's got the deep chest, I am the one who has to be careful about what it means. ;)

Daizy
May 16th, 2005, 11:56 AM
I have Pet Plan and pay only $22 a month which is about the same as my house contents insurance. I recently had a claim and there was absolutely no problem with them paying out! Within a week I had the cheque for the full amount less deductable! I would highly recommend it if only to take the worry off just in case ...

Beaglemom
May 16th, 2005, 02:02 PM
I had been considering pet insurance for my Beagle when she tore her anterior and posterior cruciate ligament. That was an expensive treatment that I paid out of pocket because I hadn't purchased the insurance yet. I got the insurance after which of course excludes her osteoarthritis and her knees because these were pre-existing conditions. We have PetCare's MasterCare and they reimburse your claim within a week.

I've already had to use it twice since I've purchased it. It has basically paid for itself with the claims that I've had to make. I was glad that I had it because I was being financially strained at the time that I needed to make a claim and having the insurance was great because I could go ahead with treatment and have no worries because everything was covered.

Lissa
May 16th, 2005, 02:26 PM
I really wished that I had insured Dodger. When I researched it for my cat, it just seemed too expensive for little coverage. Anyway, Dodger as it turns out has been to the vets so much that it would have been worth it! You just never know what is going to happen, so I would really recommend others to get it from the beginning!

I am going to look into it again and see if it is worthwhile now!

Melissa

chico2
May 16th, 2005, 03:36 PM
I am definetly not knocking Pet-Insurance,it's just for my 3 cats it is a bit too expensive for what it covers.
Cats have problems too,but it seems dogs more so...my cats are 3,7 and 10yrs old and other than shots,teeth cleaning and yearly exams,no medical emergencies(knock on wood!!).Of course Rocky had a couple of seizures last summer and I will AGAIN bring it up with the vet,regarding Advantage..