|
Welcome to the YorkieTalk.com Forums Community - the community for Yorkshire Terriers. You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. You will be able to chat with over 35,000 YorkieTalk members, read over 2,000,000 posted discussions, and view more than 15,000 Yorkie photos in the YorkieTalk Photo Gallery after you register. We would love to have you as a member! Registration is fast, simple and absolutely free so please, join our community today! If you have any problems with the registration process or your account login, please click here to contact us. |
|
| LinkBack | Thread Tools |
04-09-2012, 03:24 PM | #1 |
YT Addict | Pet Insurance? Any thoughts?? Any suggestions???? I am giving serious thought to purchasing "Pet Insurance". Anybody out there have any positive or maybe negative comments? Any experiences you could share or suggestions on which one to get?
__________________ Janis, Rookie and Rylee Belle |
Welcome Guest! | |
04-09-2012, 07:05 PM | #2 |
YT 1000 Club Member Join Date: Apr 2010 Location: Winnipeg, MB, Canada
Posts: 1,795
| Get it before you regret not getting it........ and start with lots of it, cause once you use it you can't increase the amount on existing conditions. I thought Harley was going to be super healthy and that I wouldn't need it, so I altered my plan. Well he got really sick last year and I have spent about $3-4000 on vet stuff this past year, most of which was covered. I couldn't survive without it. Harley is only 2.5 years btw. Just do your research on companies and make sure you are comfortable with them. Cause once you're with someone if an existing condition is there you can't switch (well you can but there is no coverage for existing conditions).
__________________ Kendra Harley, you were the light in my life, rest peacefully my love! |
04-09-2012, 07:17 PM | #3 |
I ♥ Joey & Ralphie! Donating Member | I've read good things and bad things. Insurance is always a gamble, they are in the business to make money and they are gambling you will pay more to them then they will pay to you. If you have no credit or savings, it's not a bad gamble, and is probably a good idea, but even then you might want to check out several companies and read the fine print. Some will pay for lots of things including spaying, but you might be limited on the doctors you can use. Here's some good information. ConsumerReports.org - Pets & vets, is pet insurance worth it? 7/03
__________________ NancyJoey Proud members of the CrAzYcLuB and YAP! ** Just Say No to Puppymills – Join YAP! Yorkshire Terrier Club of America – Breeder Referrals |
04-09-2012, 07:28 PM | #4 |
Senior Yorkie Talker Join Date: Jan 2009 Location: Austin, TX
Posts: 104
| IMHO pet insurance is something better done self-underwritten, unless you are of very limited financial means. If you are the latter, though, I would prefer the insurance by far over seeing your kid suffer because you didn't have the money.
__________________ Member AETP -- Animals for the Ethical Treatment of People |
04-09-2012, 07:34 PM | #5 |
Donating Senior Yorkie Talker Join Date: Mar 2012 Location: West Columbia
Posts: 426
| For me it is a yes! Just because you never know what is going to happen. My insurance covers all vet visits, shots, some surgery, fecal exams, blood work, and discounts on many other things. So it is a great thing. |
04-10-2012, 12:28 AM | #6 |
YT 2000 Club Donating Member | Oh and another thing, remember to look to see if you have to pay up front and then wait to be reimbursed; some plans are like that.
__________________ Razzle and Dara. Our clan. RIP Karma Dec 24th 2004-July 14 2013 RIP Zoey Jun9 th 2008-May 12 2012. RIP Magic,Mar 26 2006July 1st 2018 |
04-10-2012, 04:12 AM | #7 |
Senior Yorkie Talker Join Date: Jan 2009 Location: Austin, TX
Posts: 104
| Which is one reason why I think self-underwritten pet insurance is usually the better way to go. If you're going to wait to be reimbursed anyway and your worst-case bills are around, say, $4,000, what's the benefit? Insurance is like gambling: the house always wins. Save the paperwork, and save the risk a lot of people don't think of up front: that the insurance company might look for some loophole and not pay up.
__________________ Member AETP -- Animals for the Ethical Treatment of People |
04-10-2012, 04:18 AM | #8 |
And Rylee Finnegan Donating Member Join Date: Apr 2007 Location: Metro Detroit, MI
Posts: 17,928
| JMHO I will never again have an uninsured dog. My one year old is already a thousand dollar dog. So even with a savings account just for him we would be tapped out already and have to pull from the family savings. Now we will go to a specialist and spend anywhere from four hundred to thousands and thousands because his bladder was put together wrong. This is our low maintenance dog. We thought he would be healthy. anyway, I used to be of the opinion that a savings account was the better way. Not anymore... We are very thankful that petplan has to pay us back for this. I don't think people realize just how much specialists cost. Leg and hip repairs are two to five grand. Back surgery is three to seven grand. Liver shunt is two to four grand. etc. etc. If you are in a financial situation that allows you to not get the money back after you charge it and payments arent a problem..great. If you can't afford to charge without getting reimbursted then insurance is probably a good idea.
__________________ Crystal, Ellie May (RIP), Rylee Finnegan, and Gracie Boo🐶 |
04-10-2012, 08:26 AM | #9 |
YT Addict | May I ask which insurance you have? I've looked at three and they vary in cost only by a few dollars a month depending on what you want your deductible to be.
__________________ Janis, Rookie and Rylee Belle |
04-10-2012, 08:29 AM | #10 |
Katie Scarlett's Mommy Donating Member | I am still on the fence with insurance for KS. I need to make up my mind, but in the meantime we have set up a savings account just for her. It has built up a bit, but if something were to happen and the bill be $3000-$4000, we'd be dipping into our own personal savings too. I need to talk to my husband about it again. I'd love to hear others opinions as well. Try doing a search for this on YT as well. I know I've seen many discussions on the subject since I joined YT. Good luck!
__________________ Aymee & Katie Scarlett |
04-10-2012, 08:53 AM | #11 | |
YT Addict | Quote:
__________________ Janis, Rookie and Rylee Belle | |
04-10-2012, 09:06 AM | #12 | |
I ♥ Joey & Ralphie! Donating Member | Quote:
__________________ NancyJoey Proud members of the CrAzYcLuB and YAP! ** Just Say No to Puppymills – Join YAP! Yorkshire Terrier Club of America – Breeder Referrals | |
04-10-2012, 09:30 AM | #13 | |
♥ Love My Tibbe! ♥ Donating Member Join Date: Feb 2011 Location: D/FW, Texas
Posts: 22,140
| Quote:
__________________ Jeanie and Tibbe One must do the best one can. You may get some marks for a very imperfect answer: you will certainly get none for leaving the question alone. C. S. Lewis | |
04-10-2012, 10:56 AM | #14 |
I ♥ Joey & Ralphie! Donating Member | Yes that's a great suggestion, so many will not cover "pre-existing conditions", also, some will not cover genetic conditions. It like the only thing they cover is shots, and many of us are against yearly shots anyways.
__________________ NancyJoey Proud members of the CrAzYcLuB and YAP! ** Just Say No to Puppymills – Join YAP! Yorkshire Terrier Club of America – Breeder Referrals |
04-10-2012, 11:05 AM | #15 | |
And Rylee Finnegan Donating Member Join Date: Apr 2007 Location: Metro Detroit, MI
Posts: 17,928
| Quote:
Even a few nights in the hospital for pancreatitis is thousands. When the heart or kidneys start to fail hospital monitoring at the ER is extremely expensive because it's hard to manage. Diabetes can get really expensive. Addison's and cushings. Then there are the more advanced things like cancer..some owners choose chemo or radiation. If you'd want o see an oncologist and go all out it will add up. Intestinal issues which are so common in yorkies get really spendy over time. A diagnostic endoscopy with biopsy is a thousand plus. It's really no fun to see almost totally healthy animals come into the ER and get euthanized because somebody couldn't do a couple grand. It's understandable, but vey sad. Now that Ive scared everybody, I have to go give Ry his bladder antibiotic and Ellie her pain meds.
__________________ Crystal, Ellie May (RIP), Rylee Finnegan, and Gracie Boo🐶 | |
Bookmarks |
|
|
| |
|
|
SHOP NOW: Amazon :: eBay :: Buy.com :: Newegg :: PetStore :: Petco :: PetSmart