Is having a dog insurance good? - Page 2 - Golden Retrievers : Golden Retriever Dog Forums
View Poll Results: Do you recommend dog insurance for a 4 month old?
Yes (Illness + Accident Coverage) - Around 50$ a month 12 92.31%
Yes (Jus Accident coverage) - 10$ a month 1 7.69%
No 0 0%
Voters: 13. You may not vote on this poll

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post #11 of 14 (permalink) Old 08-12-2016, 10:00 PM
Mochi's mommy
 
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I have Healthy Paws for Mochi. I had gotten it less than a week after he came home, but in between the waiting period he developed colitis, so therefore they will never cover any treatment for colitis for the rest of his life (pre-existing condition). Therefore it's very important to get it as early as possible...

Our insurance covers accidents/illnesses but not doctor's visits (well or ill), and no routine (vaccines). I consider those to be the investment you have to make if you want a dog.... but it will pay for meds, MRI, Xrays, any treatment (cancer + hip dysplasia included).

I have a $250 deductible (per year... some insurances have deductible per incident or per "illness" so research on that), and we chose our coverage to be 90%. MOchi is 7 months and so far I'm paying $44 a month roughly.

I had a previous dog who was healthy all throughout but his last day with us cost me $4000 in lab work and other exams to rule out different DX (didn't even include treatment because his prognosis was so slim and he was 14.5yo, and the vet thinks he had a ruptured tumor in his abdomen)... if I had insurance back then it would have been worth almost all the premiums I would have paid for him.....

God forbid Mochi was to develop one of those illnesses I don't want to be making the one weighing pros and cons.
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post #12 of 14 (permalink) Old 11-27-2016, 09:30 AM
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I have never bought it, but we may buy it when we get our new puppy due to extensive vet bills in the past.
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post #13 of 14 (permalink) Old 01-13-2017, 10:02 PM
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who do you guys recommend for insurance?
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post #14 of 14 (permalink) Old 01-14-2017, 10:50 AM
Mom to Sonny and Seamus

 
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I have Healthy Paws for Seamus and Sonny. I purchased it on Seamus the week he came home lest something happen that would then be a pre-existing condition. I was looking at surgery on Seamus (didn't need it thankfully) and a colonoscopy on Sonny (didn't need it either YAY) so it was going to pay off big.

I would not be without insurance any longer. I think of a case like Kalhayd's Dory with the Parvo and think OMG insurance would have helped so much!

The other think is there are so many conditions that Golden's can get, I feel that if I take the expense aspect out of it I can make a better informed Dog mom decision.



Seamus - Golden Retriever 4/22/2015 -
Sonny - Corgi/Golden Retriever mix 5/2/2009 -
Daisy Mae - Corgi/Yellow Labrador Retriever 6/5/1998-12/17/2014
Ralph - Beagle/Basset Hound Mix Came to us as an adult August 1994 - 5/17/2003
Cheyenne - Alaskan Malamute/Golden Retriever cross 10/25/1993 - 2/4/2008
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