November 30th, 2005, 04:30 PM
I guess you could call this a poll.
Anyone here have pet insurance?
If yes, what kind of coverage do you have? Do you find it useful?
November 30th, 2005, 04:37 PM
I looked over the info from the vets office and decided that for the cost of the monthly premiums, and because I'd already had Charley neutered it wasn't worth it for me. I'm a single person with a healthy income, so I could affford to have almost anything fixed should some sort of emergency ocure. Plus, my vet is pretty reasonable with fees so nothing is crazy expensive.
November 30th, 2005, 04:40 PM
I have VPI for Peaches, Simon is as yet uninsurable since we're still not certain what's causing his urinary issues, but as soon as he's cleared, I'll have him under there too :) I've found the basic coverage as well as the vaccination and routine care plan to be very worthwhile, since between their flea and tick goo and heartworm preventative, that can run a pretty penny.
November 30th, 2005, 04:41 PM
I wouldnt' be without it ~ it's just nice to know its there, just in case.
November 30th, 2005, 04:47 PM
Since you live in Canada, check out www.vetinsurance.com. They pay claims a little differently. Maximum payout per lifetime per pet is $15,000 - with no limit per illness (lifetime) or per year per incident - e.g. $1,000 for a blockage per year that would really cost you $3,000. They pay 90% of approved balance of claim. If pet is hospitalized, you pay first $25.00 per day - which in these days of basic flat rates per day of hospitalization run from $125 to $175. Pet must be kept up to day on shots etc. Hip dysplasia is not covered, nor are teeth, but should puppy break a canine while chewing something hard, they would pay for reconstruction of the tooth. Also, they do not pay for consultation or until diagnosis is made. If dog adopted before age 1 must be neutered/spayed before 12 months to be covered for hormone related illnesses - must stress that diabetes is included in this - and if you adopt an older dog from a shelter you have one month to have dog fixed. It is luck of the draw. There is a lot of competition these days for pet insurance business. I used to have the only plan available - premium - $80 a month - paid for over 6 years - so then pet had surgery costing $6,000 - so doing the math - and considering we were reimbursed $1,200 or so - a bank account was a better bet. My Eskie is subject to hip dysplasia so am worried as my other dogs had Dachshund disc disease which ironically would have been covered by VetInsurance but plan did not exist at the time and the premiums would have been a lot lower. Fortunately my Eskie weighs only 22 lbs. so has a good chance of not developing dysplasia, but of course is at risk for cruciate ligament and luxating patella - not to mention the breaking of one of his very long legs - broken leg alone could cost $2,500. With so many procedures being done by specialists these days, costs are often not in your vet's control. We pay $34 a month - did not enroll until 16 months due to my paranoia over possible paranoia - but difference in premium was only $4.50 a month. Runs 1 - 12 months; 1 - 3 years; etc. This is a good plan if your pet might have a condition that could result in lifetime care - the whole $15,000 could be spent on it. 5 day wait period for accident coverage; 30 for illness.
November 30th, 2005, 04:48 PM
I've got pet insurance for Misty, and boy, am I glad! I'm with PetCare and have their MasterCare insurance coverage which covers accidents and illnesses. It doesn't cover the routine vet bills such as spays/neuters, annual vaccines and teeth cleaning/scaling though. But that is stuff that I can budget for. I have found it extremely useful and have used it on a couple of occasions.
November 30th, 2005, 05:47 PM
I have PetCare Quick Care Gold.. I pay an additional premium for having a high risk dog but it costs me $50 per month and it's already paid for itself on a simple bronchial problem that ended up very costly due to complications. It gives peace of mind IMHO.
November 30th, 2005, 06:30 PM
we didnt think it was worth it for us, they dont cover hip dysplacia and 2 of my dogs are senior citizens and the third dog has severe laxating patella which they wont cover either because we know about it before getting insurance.
It will also costs us a couple hundred a month for all three dogs, that is to much for us when they dont cover our biggest concerns.
We have enough money (or should I say credit!) to cover pretty much anything that could happen so were not to concerned.
November 30th, 2005, 08:00 PM
I don't have insurance but whatever happens, there will be enough money somewhere for my babies. I'm glad I don't have seniors, being in school this long.. But hopefully when they are seniors, I'll have a proper income. For now, I'm careful with them, and money or no money, if they need it, it's there. (Don't forget, I'm the person who feeds two big doggies solid gold Wolf King with Merrick canned food on top on a student's budget... We manage.)