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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 bought insurance when we first got our puppies. Had them checked out by my vet and they were perfect. One had a slightly elevated BUN. Vet said no problem, he probably didn't drink too much water (happens to me all the time). A few months later we had to do some dental work (as usual) on that puppy. Put in the claim and it was denied because he had a "pre-existing" condition. Vet responded, but they would not reconsider until I did additional blood work and they (the insurance company) determined he was OK. I canceled the insurance that day. At $37 a month, I don't need to fight with insurance companies. Both puppies are healthy and happy and thank goodness we can afford the vet bills if need be. I also saved over $1000 in the past 18 months by not having insurance. We all have to do what we think is best. For me, this was the right decision.