Do you have pet insurance?
Do you actually find it worth the monthly rate?
What do you pay a month?
I'm thinking of getting my 11 month old GSD on pet insurance.
She cut her foot on glass again, not her fault - mine for letting her run around in that park again.
None the less, we wont be playing there again, and I will be going and cleaning up that park this week for other dogs.
We have a good vet, last time a check up and he did a free "minor surgery" cutting part of her paw pad up.
She needs stitches this time, she cut her doggie wrist.
But anyways, I'm thinking of getting her some doggie insurance, find it worth it?
The insurance companies work through a system of reimbursing the owner for out of pocket expenses. I'm not sure how much it will help me, since the reason I want to get it is the fear of major expenses I might not be able to cover in the first place.
Another thing is that I know quite a few people who have had claims denied because of BS "pre existing conditions" and common breed related ailments.
What good is it if my dog needs a treatment and I'm denied just because there are about 1000 things that are known to be common ailments of her breed?
However, It is probably good for minor emergencies like what you are describing.
And they do cover routine care. You just have to consider the cost vs. benefit. If you spend more at the vet during the year than the cost of the insurance it is probably worth it.
The Vet costs can be staggering depending on what is needed.
I strongly suggest that everyone start a savings account specifically for your dogs. Even if you never do get insurance and many chose not to, still have that savings account for when something happens.
Also, if you are considering insurance, it is best to acquire it when the pup is young and before any pre-existing conditions are noted.
At any rate, at the very least, starting a savings for the health care of your dogs is really a must if you plan on being prepared for future problems that can arise.
However, It is probably good for minor emergencies like what you are describing.
And they do cover routine care.
Actually, it depends on the policy you set up whether it covers routine care or not.
The minor emergencies are not usually the most expensive, and the routine care is what I don't mind paying for.(usually not very expensive at all) It is the really unexpected, things that are very expensive ie; root canal, leg and ligament surgeries, neurologic tests, many which range in the thousands of dollars to pay for.
In my mind, it is not a question of if, but considering when something like this could happen, that should give good reason to have some kind of funds set up for the possible or inevitable, given the life of the dog.
The Vet costs can be staggering depending on what is needed.
I strongly suggest that everyone start a savings account specifically for your dogs. Even if you never do get insurance and many chose not to, still have that savings account for when something happens.
Also, if you are considering insurance, it is best to acquire it when the pup is young and before any pre-existing conditions are noted.
At any rate, at the very least, starting a savings for the health care of your dogs is really a must if you plan on being prepared for future problems that can arise.
I completely agree with this. I've got an account set aside for "dog things" and have had to pull from it for a surgery. I don't have insurance for the dogs, and probably won't until policies are changed because many whom I've talked to about it say it's really not worth it for what it actually covers.
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