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Old 11-24-2012, 07:51 AM
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Saving or Insurance for gr

hi. I currently have pet insurance for my golden retriever pup and thought this was the best thing to do. However lots of people have said instead of insurance, save each month as most insurances won cover certain illness.
I just wondered what the majority of people do, insurance or save and pay as and when treatment is needed
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Old 11-24-2012, 08:51 AM
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I don't have pet insurance. I have a small account set aside to cover regular and unexpected vet costs. I have heard both arguments for and against pet insurance. For me, it's an added expense right now that I choose not to incur.
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Old 11-24-2012, 09:01 AM
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No insurance here. We put $100 per month in our "doggy acct" for unexpected vet bills. We've done it for about 15 years now.
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Old 11-24-2012, 09:02 AM
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My next golden will have insurance. My girl had surgery this past Summer that turned into a medical nightmare--$7K later she's better, it was shocking how fast costs added up due to her stay in the ICU and needing multiple surgeries. One of my boys is Mr. Allergy and it's been an expensive haul trying to get him healthy. Thankfully, I have savings for emergencies, but when something goes wrong, it happens fast & with a high price tag.
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Old 11-24-2012, 09:23 AM
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I don't have pet insurance. every month $150 gets put aside for the dogs vet expenses.


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Old 11-24-2012, 09:37 AM
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I have looked into it so many times and because I have four pets it is just too expensive for me.

I did have a bill last summer for almost 6k, at that time I wish I had it.

My local news just had a story on it last month, and they advised not to buy it because too many things are not covered or considered pre-existing conditions. They did say put the money aside instead.

Personally, I think it depends on the company, they are not all created equally.
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Old 11-24-2012, 09:57 AM
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No insurance here either. But we do have an emergency account.
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Old 11-24-2012, 10:12 AM
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I have insurance. I have had it for 8 months. Sadly, I have already received more money back than I have paid in premiums.. By a long shot..

Trupanion has been great. If you purchase early there will not be any pre existing conditions and they cover congenital conditions.

Last edited by Vhuynh2; 11-24-2012 at 10:19 AM.
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Old 11-24-2012, 10:14 AM
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I was going to get insurance for chester but i decided not to because they only cover certain things and i rather put money away every month for him that way it wouldn't be going to waste if i don't use it.
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Old 11-24-2012, 10:40 AM
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I have insurance for my girls. As a vet, I see how quickly the bills add up. My girls are very active and I know it's just a matter of time before one of them tears a cruciate. I chose the insurance route because for the amount of money I pay towards the insurance, it would take several years of savings to pay for one cruciate surgery (and then my fund would be wiped out again!).

ETA: as to the assertion that insurance doesn't cover a lot of things-you just need to research the companies and their policies. There are several good ones out there. Oh and don't change companies-anything diagnosed with the previous company would be preexisting.
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