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Originally Posted by maggiefromnj  I would make sure it is noted in her records that her patellas are fine at her next visit. That should help if a problem ever does arise with them.
You might reconsider the whole insurance idea if you think you could handle an emergency. Many people actually start a savings account and contribute the cost of the insurance monthly. Or open a credit card now if your credit can handle it, but don't use it and save it for a pet emergency.
Maggie is 4 years old. That is 48 months of $30 that we have not paid for insurance. Knock wood, she has had only well visits and shots except for one visit when she hurt her back and that wasn't much $ ( and now I let the shelter do the shots as long as her vet check was good). That's almost $1500 we would have spent on pet insurance. Hopefully she remains healthy. When she plays crazy I remind my husband that if she hurts her knees we WILL be paying for it!
The $30 per month is just what I vaguely remember getting an estimate for on the insurance. Yes, I know peace of mind is valuable and some people get insurance for that reason. I just wanted to toss out the idea that if you can set side $, you might not need it. |
I have been thinking about that as well, I am lucky we could probably handle any expense that came our way, plus we have credit out the wazoo, Lola is our only pet and my husband is crazy about her so I know he would spare no expense. Plus now that I know her heart is healthy I am not as worried. But of course many other things could go wrong. I took the top of the line plan which costs $40.00 a month so $480.00 a year is still less than any major surgery would be, but if it is a hassle to get paid it might not be worth it.
If I cancel now I can't help but wonder if it will hurt the appeal, which dang it, can take up to 8 weeks! I did however reduce my plan to the cheapest which is $21.00 a month for 80% coverage instead of the 100% I have now.