I was looking online at a couple of pet insurance carriers, and was wondering if anyone here had any experience with pet insurance? Is it worth the money? Kodee is so young I don't know that it would be worth the money now, but as he gets older, I may decide to get some. Are there any good pet insurance companies that any of you have experience with?
I have pet insurance but got it after a few expensive trips to the doggie ER - (My trip for a broken canine covered about 3 years worth of premiums)
Premiums will be higher for an older dog.
There are a LOT of exclusions for genetic related disorders and the primary reason I got it was for injuries - my older dog is the one dog NOT insured because he is a house pet, has pre-existing conditions, and is also not as likely to get hurt.
I use VPI and have had no real complaints - I think there is something through AKC that some folks like.
Can't remember which company, but I looked into it at one time, and decided against it b/c soooo many things wouldn't be covered if you hadn't done "preventative healthcare" ie vaccines, etc. I haven't had a sickness-related vet bill in 7 years, other than one visit for a contact allergy, so I'll take my chances. I'm just not willing to do what they deem necessary before they'll pay a claim. I'd be interested if anyone has a policy that does not require yearly visits/vaccines to remain in force.
Elaine Haynes Webboard User Reg: 08-16-2005
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http://www.petinsurancereview.com/dog.asp This site has user reviews of various insurance and discount plans. I've had VPI in the past but will probably go with another plan this next time. For me the peace of mind insurance gives is worth the money.
Connie Sutherland Moderator Reg: 07-13-2005
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Quote: elaine haynes
http://www.petinsurancereview.com/dog.asp This site has user reviews of various insurance and discount plans. I've had VPI in the past but will probably go with another plan this next time. For me the peace of mind insurance gives is worth the money.
I had heard that they all required annual "boosters" of several vaccines. Annual exams is good, IMO, just for that expert set of hands feeling for small tumors, etc., and looking down into the ear and in the eyes...... but annual boosters is a whole 'nother ball of wax.
I remember we had a discussion about this a while ago. Sandy Moore I think was wondering wether it was worth it. What I did was, I got cc w/"care credit". It's like a medical credit card and if you spend over $300 (I think), you have 12 mos interest free. You can use it for your own medical expenses or for veterinary care. http://www.carecredit.com/
I would either do care credit or set up a savings account and make monthly deposits into it (instead of paying monthly insurance premiums) to be used in case of an emergency.
Elaine Haynes Webboard User Reg: 08-16-2005
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I hope the annual boosters thing isn't true. If it is, I'll have to think of another option. I'm definitely also considering the medical cc. But was thinking of that more as a way to pay for a procedure since insurance tends to reimburse you rather than pay the vet or doctor up front.
Thanks for the link, Alex. I'm going to check them out.
Elaine, this was years ago that I looked into it. Maybe it's changed since there's more knowledge of vaccinosis...although I wouldn't be too optimistic.
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I would advise anyone who is considering taking out pet insurance to take a look at the carriers Schedule of Maximum Benefits. For example, here is VPI's standard Schedule of Maximum Benefits. Go over it and figure out what you would get for a covered accident/illness, this will assist you in making the decision of what carrier (if any) will provide what you are looking for:
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Anyone have pet insurance?
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