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Dog insurances is neccessary? Do i really need to buy insurance for my puppy? if so, What is the cost? |
You don't HAVE to, but it is a great investment if something were to ever happen to your puppy! If she ever had to have surgery or got really sick, you would be really glad you did! Both of mine are covered and thankfully I've never had to use it, but there are many members here who have. I personally have Pet Plan. There are different policies to choose from. My policies run about $250 per year per dog. You can check into it at Pet Insurance for Dogs and Cats - Petplan Pet Health Insurance |
I have PetPlan insurance and if you go on their website they have different prices for their plans. As the previous post she is right if your puppy got sick or had surgery. I used mine already for an ear infection and it was nice to have. There are many plans and prices out there so I think it would be a good idea to check them out. Hope this helps. |
I wish i had gotten insurance before I brought either of mine home. Now that they have "pre- exisiting conditions"- I no longer feel it is worthwhile for me. |
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another idea I did a lot of research regarding pet insurance. I actually have a savings account that hubby and I put money into incase something happened to Gizmo. ( like 25 a month) I feel like our money is better off going into a savings account. We have the money if we ever did need it. I just feel that is a better option for our family. There really isnt a right or wrong answer its just whatever you feel more comfortable doing :) |
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Go figure hehe! |
I do not have insurance, but I have debated it........especially now that I have 4 dogs. (It would have come in handly when my Rhodesian Ridgeback came down with Valley Fever, that was SPENDY!!!!!!!) But for the most part my dogs, other than routine vaccines, spaying, neutering......they have luckily not needed much emergency care. KNOCK ON WOOD!!!! |
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I think it is a necessity.... I'm a student and don't have a lot of disposable income (all of it goes to him already) and just to give you an idea of how it's saved my butt this year. it costs me $28 per month (I picked a high deductible and DO NOT RECOMMEND that, cause now I"m stuck with it). I have to pay the first $300, then the rest is covered, my plan even has annual dental work. So this year Harley has had the following done that has been covered (neuter was not covered) -retained baby teeth (mostly covered) -two upset stomachs that cost $100 each -ear infection I've had two freak outs with the upset stomachs cause one time was some form of poisoning, the other we have no idea what caused it, but with insurance I feel confident that if I need to go in, I do not need worry about if I can afford it. |
If I had it to do over again I would have gotten insurance. Especially, knowing all of the physical problems that yorkies can come down with. Pippin has IBD and I've spent a couple of thousand just in the last year. It's not curable so this will be an on going cost. I think its a throw of the dice. With Pippin it would have saved me a lot of money. |
I honestly think having a savings account is better. I've seen too many horror stories about pet insurance... I know some have had luck with it. I just feel like I'd be better off putting $$$ into a savings account if there were ever an emergency. |
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of course you don't have to have pet insurance, provided you can afford the vet bills when they arise. Alot of people start up their own account and put money aside each month. You never know what could possibly happen to your little one and would be naive to believe that absolutly nothing would happen to your pet in its lifetime of around 18 years. I know people that have had their dogs/ cats put to sleep purely because they couldn't afford the vet bills to keep it alive and that sickens me.Before I got my second yorkie I first looked into wether I could insure it.:) |
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