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Old 04-07-2005, 12:52 PM   #2
Breeze
Puppy Luv
Donating Member
 
Join Date: Feb 2005
Location: Canada
Posts: 2,678
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In another forum I go to people said that they were not happy with their pet insurance.

Many companies do not covered such things as your dog being hit by a car. They also do not pay for any illnesses that they claim are genetic/hereditary and a lot of the time if your dog or cat comes down with something the insurance company refuses to pay saying it is a pre-existing condition.

Also the have caps on the amount it will pay on any illness or injury per year. So if your animals medications for something cost $500 a year the insurance may only cover $100.

The thing about pet insurance is that most health problems are considered genetic/hereditary or congenital - in other words, not covered by the insurance. So if those are your biggest concerns, you might as well put the premium amount into an emergency savings account for the dog (separate from your household emergency savings account).

If you're biggest concerns are accidents like sprains and strains, breaks, etc., then the insurance might be worth considering; it seems most accidents of that nature happen in a puppy's first year, so really the ideal would be to get the insurance *and* also contribute to an emergency savings account, so that in a year or two you'll have enough savings to be able to drop the insurance and still cover what they would have paid from the savings.

Last edited by Breeze; 04-07-2005 at 12:53 PM. Reason: spelling
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