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-   -   300 for a yorkie??? (https://www.yorkietalk.com/forums/general-yorkshire-terrier-discussion/209343-300-yorkie.html)

Ladymom 07-28-2010 08:01 PM
Just remember pet insurance doesn't work like our does where you just show your card. Vets, especially ER vets and specialists, require you to pay your bill upfront. You have to submit the forms to your insurance company and wait to be reimbursed.

It is recommended that when you buy your puppy, you have a special account already set up with at least the equivalent of his purchase price in it and add to it monthly.

Just read the Sick and Injured section to see how many people aren't financially prepared for unexpected vet bills.

LilMissy 07-29-2010 12:43 AM
Quote:
Originally Posted by Ladymom (Post 3217439)
The problem is that "bargain" puppies usually don't stay healthy. It can take years before their genetic time bombs from poor breeding start going off. That's when the big vet bills begin.

The best thing you or anyone with a puppymill or backyard breeder puppy can do is to start putting money aside in a special savings account for future vet bills. Start right away while they are still healthy so you are prepared.
Ladymom is right. I just went through this with our pug dog that we bought from a pet store that purchases their puppies from Hunte Corporation (a broker that buys puppies from puppymills). Our pug was perfectly healthy, until she hit about 5 yrs of age. Then her health went rapidly downhill for 3-4 yrs (major vet bills), we had to put her to rest on my birthday, this last May 20th. It was heartbreaking and so hard to watch her suffer :(

Rachael x 07-29-2010 02:22 AM
Quote:
Originally Posted by Ladymom (Post 3217893)
Just remember pet insurance doesn't work like our does where you just show your card. Vets, especially ER vets and specialists, require you to pay your bill upfront. You have to submit the forms to your insurance company and wait to be reimbursed.

It is recommended that when you buy your puppy, you have a special account already set up with at least the equivalent of his purchase price in it and add to it monthly.

Just read the Sick and Injured section to see how many people aren't financially prepared for unexpected vet bills.
I am in the process of getting Poppy some pet insurence now I have read this I will be setting up a bank account just for vet bills :) Even though she is healthy at the moment you never know what the future will bring... Its not just illness it could be accidents too so this is a very good idea thank you :) :thumbup:

LucyLousMommy 07-29-2010 07:02 AM
Quote:
Originally Posted by Rachael x (Post 3218039)
I am in the process of getting Poppy some pet insurence now I have read this I will be setting up a bank account just for vet bills :) Even though she is healthy at the moment you never know what the future will bring... Its not just illness it could be accidents too so this is a very good idea thank you :) :thumbup:
I was just talking with my boyfriend about pet insurance and definately think its a good idea..for EVERYONE most of us do not have the kind of cash on hand that it takes for major surgerys/health problems.. and are so unprepared for them...

Lizzie07 07-29-2010 11:46 AM
Read the policy carefully on your pet insurance. Some don't cover genetic problems. I had a friend who had pet insurance and when her dog was diagnosed with a liver shunt, the company wouldn't pay because they said it was a genetic problem.

DvlshAngel985 07-29-2010 12:00 PM
Quote:
Originally Posted by Lizzie07 (Post 3218630)
Read the policy carefully on your pet insurance. Some don't cover genetic problems. I had a friend who had pet insurance and when her dog was diagnosed with a liver shunt, the company wouldn't pay because they said it was a genetic problem.
Don't most insurances have you pay up front anyway? To me the separate account for the furbabies, like an emergency fund, would be helpful.

Beamers Mom 07-29-2010 01:32 PM
When we had to take Lil Bit to the emergency vet clinic a couple of months ago I was so glad I had a savings account. My husband called me from the clinic, they wanted over $900 deposit, so my husband knew he couldn't use the debit card and we don't like using a credit card. I was able to go online to my ING account and immediately transfer the money from savings to the debit card so my husband could use it. If we hadn't had that savings account we would have had to use the credit card.
It is so important to have money aside for these emergencies.

princessizzy 07-29-2010 07:05 PM
Quote:
Originally Posted by DvlshAngel985 (Post 3217582)
Pretty much the breeder sold your Izzy, "as is" so they wouldn't have to pay up later?
Yeah I guess that about right...But Like I said she has been checked over and over...No hernia...I just hope she stays happy and healthy...

I did email the breeder pictures of Izzy and she Always response :) Whick makes me happy.

DvlshAngel985 07-29-2010 07:17 PM
Quote:
Originally Posted by princessizzy (Post 3219112)
Yeah I guess that about right...But Like I said she has been checked over and over...No hernia...I just hope she stays happy and healthy...

I did email the breeder pictures of Izzy and she Always response :) Whick makes me happy.
Me too! I bought an "as is" puppy as well. I send pictures and video to his breeder and she always says thanks for the updates. :)


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