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Ellie May · 08-04-2012, 02:26 PM

I know a lot of peope decide later that insurance is not worth it. On the other side of that, some have had it and will never again go without.

If my yorkie was isured, we may have only saved a couple grand after eleven years, but we would have been paying out more consistently instead of big chunks. Some years $50+ a month easily covers things. And some months..not so much...She has had no catastrophic problems, just many fairly serious and fairly common problems.

So when we got our second dog there was no way we were skipping insurance. I just don't want anymore pets without it. This last year approx $511 was paid in. He was diagnosed with some type of bladder problem. It has cost about $1500 so far in that year. After our $50 deductible, we pay nothing towards it except 20% at the IMS. This was supposed to be our healthy dog. Who knows - he may need surgery or may need antibiotics for life. We are going to end up at a second IMS. Very grateful that bill won't be ours.

I think besides the first dog having so many issues, the other deiding factor to get dog number two insured was seeing pets and their owners while shadowing --- owners devastated that they could not afford it and animals miserable. Then a vet and staff that want to help but have to get payment to keep the lights on... Even CareCredit, while great, does not always cover the bill. With broken legs at $3-5k to repair, CCL years at $1500-$2800+, amputations at $1000, endoscopy at $1000, back surgery at $6000, liver shunt at $1500-$4000, MRI at $1500, maintaining diseases for life at $30-$a couple hundred...none of these things are really rare and it is just a small portion of what can happen. Pancreatitis, not uncommon in yorkies, if hospitalization is needed it can be $500-$1000 a night times one to five nights. A urinary tract infection alone if treated corrected here is about $250. And while pretty uncommon, it was going to cost an owner $800 er month o treat a copper storage disease unless they could find alternatives.

So jmo a carefully picked plan can be worth it.

08-04-2012, 02:26 PM	#4
Ellie May And Rylee Finnegan Donating Member Join Date: Apr 2007 Location: Metro Detroit, MI Posts: 17,928	I know a lot of peope decide later that insurance is not worth it. On the other side of that, some have had it and will never again go without. If my yorkie was isured, we may have only saved a couple grand after eleven years, but we would have been paying out more consistently instead of big chunks. Some years $50+ a month easily covers things. And some months..not so much...She has had no catastrophic problems, just many fairly serious and fairly common problems. So when we got our second dog there was no way we were skipping insurance. I just don't want anymore pets without it. This last year approx $511 was paid in. He was diagnosed with some type of bladder problem. It has cost about $1500 so far in that year. After our $50 deductible, we pay nothing towards it except 20% at the IMS. This was supposed to be our healthy dog. Who knows - he may need surgery or may need antibiotics for life. We are going to end up at a second IMS. Very grateful that bill won't be ours. I think besides the first dog having so many issues, the other deiding factor to get dog number two insured was seeing pets and their owners while shadowing --- owners devastated that they could not afford it and animals miserable. Then a vet and staff that want to help but have to get payment to keep the lights on... Even CareCredit, while great, does not always cover the bill. With broken legs at $3-5k to repair, CCL years at $1500-$2800+, amputations at $1000, endoscopy at $1000, back surgery at $6000, liver shunt at $1500-$4000, MRI at $1500, maintaining diseases for life at $30-$a couple hundred...none of these things are really rare and it is just a small portion of what can happen. Pancreatitis, not uncommon in yorkies, if hospitalization is needed it can be $500-$1000 a night times one to five nights. A urinary tract infection alone if treated corrected here is about $250. And while pretty uncommon, it was going to cost an owner $800 er month o treat a copper storage disease unless they could find alternatives. So jmo a carefully picked plan can be worth it. __________________ Crystal, Ellie May (RIP), Rylee Finnegan, and Gracie Boo🐶