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Hello! So, this is our first dog...Fred, he is almost 4 months and just already has stolen our whole family's heart :) I was wondering if any of you have pet insurance? Is it something we should really look into? Is it like our medical insurance which will cover vet visits just for his check ups and vaccines or is it just for emergencies? Thanks for any info!!
 

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We have pet insurance on our pup and she came insured for 6 weeks from the breeder. We thought we would continue with it for at least the first year of her life in case anything major developed as she grew up. Pups can also be prone to accidents, maybe geting lost or stolen and eating things they shouldn't, etc. etc. Insurance can be expensive and if we didn't have it we would probably put the same amount aside each month building up a fund for vet fees. When you look at the various plans I think "lifetime" cover is well worth considering - a lot of plans only provide cover for one claim per condition. This costs more and as the insured dog gets older the premiums go up. Some policies have quite a high excess and although it reduces the premiums it does mean that it is sometimes not worth claiming unless the treatment needed is quite expensive I am still not sure whether it is better to save each month or have an insurance policy - I suppose it depends on what crops up throughout the life of your dog. Also policies don't include routine treatments like worming, health checks and vaccinations. Like all insurance policies it is important to read the small print. Hope this helps.
 

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Lola is the first dog I have ever bought pet insurance for. She was about 1 year old when we got her and I went with PetPlan - their gold insurance plan. It is about $300.00 for a year. There is a $200.00 deductible with the plan I chose and it only covers injury or illness and whatever is needed during that time. Not check ups or regular upkeep. You can get more expensive coverage and pay more with a lower or no deductible plan- that covers everything.... but you will pay a lot more for that.

It is hard to say if it is worth it with a young dog.... but you just never know what could happen... and just one thing going wrong can cost thousands of dollars. Having the security of insurance at least I will not be put in the situation of "can I afford to give her life saving surgery?"

Also-do a google on the search engine on this site at top of page. You will see all past discussions on the subject!:wave:
 

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goldenfan
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Virtually all reputable breeders in the UK insure their puppies for the first 4 weeks with either the Kennel Club or Pet plan. I have all mine insured and have had to claim some quite big bills and on 2 dogs I have had my money back but not on the others My feeling is that if you have the dog insured, then there is not a problem if they have to go to a referral centre which costs over £130 just to walk through the door but if you can afford that with no problem o several occasions thatn you probably don't need pet insurance. Annef
 

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We got insurance for our dog too last year. If you are the type of person who would spend up to your last dime to save your dog, then it gives some peace of mind. Young dogs tend to eat weird things. :)

I always tell people that it works like car insurance, for example if there is an accident it helps, but not with routine maintenance, etc.

We use Embrace, and they paid all three claims we made promptly.
 

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We also have Petplan for our two boys (Tobey, our 2yo golden, and Bailey our 1.5yo sheltie). We chose the Bronze plan, up to $8k a year in medical expenses covered, with $200 deductible with 90% payback.

We hold these policies only in case of emergency (god forbid either of them get cancer, get into an accident, need surgery, etc). Sure we could just put the $300 away into a bank account every year, but knowing we have the full coverage available gives us peace of mind. We covered our boys the day they came into our homes, so there are NO pre-existing conditions to worry about. They are fully covered, hips, hearts, eyes, etc.

We had Tobey on a lower $50 deductible plan for his first year but we changed it the following year to the $200 deductible (we didn't think we'd get our second dog, and we found even at a low $50 deductible, most of our vet visits for diarhea, ear infections due to food allergies, barely even hit the $50 deductible. It made more financial sense to up the deductible, and set the pay back to 90% and just keep the plan for emergencies.

We looked into the wellness insurance plans, but they are a bit more costly, and in some cases, you end up either breaking even, or paying just slightly less (for check-ups, heartworm meds, etc). Not really worth the time to file the claims for heartworm meds every 6 months, and check-ups once or twice a year.
 

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Thanks for reminding me to continue looking into pet insurance.

This past year I had $5700 in vet bills for Brady because he ate a face cloth. I was fortunate enough to have had that money available to me at that time, if it happened a couple months earlier, I would not have had it.

It is the worst feeling in the world to have to make a life and death decision on a healthy dog based on finances.
 

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After two surgeries and many vet visits with my lab and almost 10k later I wish I would have looked into insurance.....
 

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golden mom
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Hello! So, this is our first dog...Fred, he is almost 4 months and just already has stolen our whole family's heart :) I was wondering if any of you have pet insurance? Is it something we should really look into? Is it like our medical insurance which will cover vet visits just for his check ups and vaccines or is it just for emergencies? Thanks for any info!!
I have insurance on 3 of my 5 dogs. It saved me big money when one of the girls had a torn ACL and needed 2800.00 worth of surgery. Definetly well worth the money
 

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When we bought Nugget he had all sorts of clearances (heart, hips, eyes) so we weren't all that worried about his general health. After we thought it over, however, we decided on a policy with PetPlan. Boy, are we glad that we did!

On a holiday weekend he managed to ingest a foreign body that lodged in his esophagus and we found ourselves at the emergency vet. We received superb treatment but the bill was $$$$! This was totally unexpected!

Thanks to PetPlan we got all but $200 back - it saved Christmas for us. So, the bottom line is that emergencies can happen. I would rather pay an insurance premium and not need it. The peace of mind is worth every penny.
 

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My husband worked in the insurance industry for 30 years (cars, homes) and his take is that if you can afford to pay for whatever you will need, you don''t need insurance (if your car is really old and wouldn't cost much to replace), but if you can't then you should have it. Hopefully you will not need it, but if you don't have the cash reserves to afford big vet pills, then it is a good idea. We have pet plan with the highest deductible and 80% payout so our premiums are about $20 a month. With our previous Golden we didn't have pet insurance (it was a just beginning then) and would never have had to use it. So it just depends on your own circumstances.
 

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We haven't purchased insurance with Remy because I read not to in consumer reports... to instead put away $30-$50 per month in a "Remy" fund. We are still undecided as to if we will get it in the future... but we do wish we had it during parvo. You never think that type of stuff will happen to your dog but it is terrifying when it does and you not only suffer with them and their pain but also have to drop a grand or two trying to cover all of it.
 

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My husband worked in the insurance industry for 30 years (cars, homes) and his take is that if you can afford to pay for whatever you will need, you don''t need insurance (if your car is really old and wouldn't cost much to replace), but if you can't then you should have it. Hopefully you will not need it, but if you don't have the cash reserves to afford big vet pills, then it is a good idea. We have pet plan with the highest deductible and 80% payout so our premiums are about $20 a month. With our previous Golden we didn't have pet insurance (it was a just beginning then) and would never have had to use it. So it just depends on your own circumstances.
Exactly, very well explained. I was not expecting to pay the thousands I did on my lab but I am able to afford it. Looking back on it I would have saved a lot had I gotten insurance but it was a gamble I took.



We haven't purchased insurance with Remy because I read not to in consumer reports... to instead put away $30-$50 per month in a "Remy" fund. We are still undecided as to if we will get it in the future... but we do wish we had it during parvo. You never think that type of stuff will happen to your dog but it is terrifying when it does and you not only suffer with them and their pain but also have to drop a grand or two trying to cover all of it.
Exactly, can't always plan for the unexpected. No one says you are going to spend 10k on a dog before it turns two when you get them...LOL
 

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I've been debating about this myself a lot lately. This summer an emergency with my Jackson cost me almost 3k. Thankfully I had the money to cover it, but it got me thinking what if I hadn't? I found a good plan with Healthy Paws for about $25 a month (of course this increases slightly as he gets older) so about $300 a year. He's 3 now, and if he lives another 10 years that will be about 3k, which is what I spent this summer. With Goldens having such a high cancer rate, I feel like it's almost inevitable something will come up eventually. I also feel like he runs funny, so hip dysplasia is another worry. I would feel beyond awful if I didn't have the money to give him he care he needs, so I think pet insurance is a good way to go.
 

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It's a really personal choice - and I always think there are good arguments on either side. There have been good ones already put forward here.

For me, right now, I have an emergency vet fund. I don't touch it for the routine exams, etc. But the $900 emergency ultrasound came from it earlier this year. This thread is a good reminder that I should start putting more into it monthly. I guess for me, I'd rather pay the monthly fee to myself. It is true, however, that insurance might cover much more than what I have in my account.

I think it comes down to personal comfort. No right answer.
 

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Missing Whiskey
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With my Whiskey that passed away at age 12+, I didn't have the insurance. I spent 2k for his ACL keen surgeries when he was young, and 5k plus when he fell ill in the end. I don't regret at all about the money, but I wish that I had pet insurance.

I purchased the Pet Plan with $200 deductible for Amber when we got her as 5-month old pup this summer. I find that I am a lot more relaxed in watching her zooming around, running, chasing frisbees like a normal puppy would do. Amber got into a freak auto accident in Oct, she was hurt badly. Her vet bills, including emergency visit, specialist visits, totally 4,500 plus. I only had to pay the deductible and copay.
It's like any insurance, you take a gamble. But with someone you love, it seems to provide more emotional well being. You don't not have to worry about if you can provide the best care your dog needs. I would recommend it.
 

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Dr. Rainheart
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Personally, it depends on your situation. Can you afford to shell out $1000's of dollars for some surgery in the future? What if it happened tomorrow? How good of a saver are you?

I have insurance because I know I wouldn't be able to pay for any kind of expensive surgery or illness without it.
 

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now Mom to Kiwi
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We had pet insurance for Maddie starting when she was about 6 months old. We made plenty of claims over the years but the insurance really came to our rescue when she was diagnosed with Hemangiosarcoma at the end of January 2011. Having the insurance allowed us to concentrate on her and not on the ever mounting vet bills that came with this diagnosis. The bills totalled over $5100 in 4 months (of which we got back 80%) and more than likely would have been double that if we elected for chemotherapy (which we didn't proceed with for various reasons, none of them financial). Even at the end when that horrible day came when we had to say goodbye our plan covered everything, including her final resting place, a beautiful wooden urn.

When we brought our new puppy home at the end of September one of the first things I did was sign her up for insurance. For us, we like the peace of mind it gives us, but everyone is different.
 
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