Brianah Maloney Webboard User Reg: 10-22-2013
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What do you all have for funds? I have a 2g fund for vet any emergencies for my future pup.
I have been hearing all about insurance and many different sides of the story.
Is 2g adequate for a dog?
And is insurance worth it? What one is best?
I worry about infections, broken bones, cancer.
I've done the emergency fund in the past and have been fine with it for over 10 years. I've come out way ahead financially.
BUT I know have Embrace insurance on both dogs. Because diagnostics and 2 months of palliative care for cancer (at a local vet who gave me a break on the costs) ended up being over 1k. If I had treated (and I would have if there had been a decent chance for a fair remission) it would have been 5-6k. So, since my emergency fund had taken a hit and I knew I'd want options in case something happened to my other dogs, I got the insurance.
2k is plenty for most basic emergencies. But it won't go far for cancer or something major.
Maybe consider a high deductible insurance plan (like 1k) coupled with a savings account. Cheaper premiums ($20-$25/month in this area for a plan like that on a young dog) but you're still covered in case of something catastrophic.
SamanthaTopper Webboard User Reg: 03-24-2011
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Here's what I don't understand. If a dog needs surgery, and the owner is unable to afford the bill, but has insurance... what exactly is the insurance good for? That's my hang up. Every company I've talked to will only reimburse AFTER you've paid the bill. So if the owner is paying a monthly premium, but doesn't have the $4000 needed to save their dog's life, then how is 'insurance' actually helpful?
When I was researching what breed of dog I wanted I checked on insurance premiums for a big dog and they average between $80 and $100 a month with a deductible of $500. I set up an automatic transfer of $100 from every month to a separate "Emergency Fund" account before I even got my first puppy.
Even with using about $2000 for the problems Sierra had and to pay for her cremation, right now I have over $4000 in the account. I'm comfortable with that amount of money and it is not to be touched except for emergencies. Rabies shots, heartworm and flea meds, antibiotics etc are not considered emergencies; they are part of owning a dog.
Candi Campbell Webboard User Reg: 03-28-2013
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Quote: SamanthaTopper
Here's what I don't understand. If a dog needs surgery, and the owner is unable to afford the bill, but has insurance... what exactly is the insurance good for? That's my hang up. Every company I've talked to will only reimburse AFTER you've paid the bill. So if the owner is paying a monthly premium, but doesn't have the $4000 needed to save their dog's life, then how is 'insurance' actually helpful?
IMHO, 'insurance' Mostly Helps the Insurer NOT the Insured As others here have suggested, BETTER to Auto-Deposit your Monthly 'premium' amount into ear-marked SAVINGS
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Emergency vet fund/insurance?
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As others here have suggested, BETTER to Auto-Deposit your Monthly 'premium' amount into ear-marked SAVINGS 
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