Dog insurances is neccessary? - YorkieTalk.com Forums

Kenlong · 04-08-2011, 11:33 PM

Do i really need to buy insurance for my puppy? if so, What is the cost?

KendraE · 04-09-2011, 05:19 AM

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

Susan78 · 04-09-2011, 05:27 AM

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.

ArmaniMan · 04-09-2011, 07:36 AM

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.

Kenlong · 04-09-2011, 07:47 AM

Quote:

Originally Posted by KendraE

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 checked online the less cost is $349 per year. Does insurance cover examination? This cost me alot because when i took my puppy to vaccine, the vet already charger the examination for 47dollar. So everytime i take her to vaccine cost me $100 something. Every year 3 vacine is almost $400. Anyway does insurance cover these stuff?

Chrissybear · 04-09-2011, 02:00 PM

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

Taryn0405 · 04-09-2011, 02:13 PM

Quote:

Originally Posted by Chrissybear

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

Okay weird. I just posted on another thread that my husband and I set up a separate savings account for any medical expenses Gizmo got.

Go figure hehe!

Suze225 · 04-09-2011, 02:27 PM

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!!!!

Chrissybear · 04-09-2011, 02:34 PM

Quote:

Originally Posted by Taryn0405

Okay weird. I just posted on another thread that my husband and I set up a separate savings account for any medical expenses Gizmo got.

Go figure hehe!

haha thats so weird.. all i can say is great minds think alike

Taryn0405 · 04-09-2011, 02:52 PM

Quote:

Originally Posted by Chrissybear

haha thats so weird.. all i can say is great minds think alike

deonk1 · 04-09-2011, 04:08 PM

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.

valerieam · 04-09-2011, 04:23 PM

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.

Britster · 04-09-2011, 06:17 PM

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.

KendraE · 04-09-2011, 09:57 PM

Quote:

Originally Posted by Britster

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.

but at the same time.....if you put say 25 bucks back a month...that would be 300 dollars a year..... and you could insure your baby for less. And say thay he/she has to have LP surgery or they swallowed some object or got cancer or whatever....it could be thousands,,,,and guess what!! Your insurance just coovered it!! just sayin!!

yorkie mad · 04-09-2011, 11:00 PM

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.

04-08-2011, 11:33 PM	#1
Kenlong Yorkie Yakker Join Date: Mar 2011 Location: NY Posts: 53	Dog insurances is neccessary? Do i really need to buy insurance for my puppy? if so, What is the cost?

04-09-2011, 05:19 AM	#2
KendraE Hook Em! Bevo & Mack Donating Member Join Date: Feb 2011 Location: Texas Posts: 3,752	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 __________________ Kendra Bevo and Mack & grandpups Bryleigh and Jaxon

04-09-2011, 07:36 AM	#4
ArmaniMan I ♥ Armani & Chloe Donating Member Join Date: Sep 2007 Location: Upstate NY Posts: 3,895	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. __________________ Armani & Chloe

04-09-2011, 02:00 PM	#6
Chrissybear Senior Yorkie Talker Join Date: Sep 2010 Location: Valencia, Ca Posts: 196	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 __________________ Gizmo's Mommy

04-09-2011, 02:27 PM	#8
Suze225 Donating Senior Yorkie Talker Join Date: May 2010 Location: Florence, AZ Posts: 764	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!!!! __________________ Sue, Bella, Jett, TBell, Armani & Kahn Plus our 2 new litters , we have chocolate and parti pups!!! RIP my beautiful girl Kiah! We love you and miss you!!

04-09-2011, 05:27 AM	#3
Susan78 YT 1000 Club Member Join Date: Mar 2010 Location: Hibbing Minnesota Posts: 1,106	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.

04-09-2011, 04:08 PM	#11
deonk1 YT 1000 Club Member Join Date: Apr 2010 Location: Winnipeg, MB, Canada Posts: 1,795	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. __________________ Kendra Harley, you were the light in my life, rest peacefully my love!

04-09-2011, 04:23 PM	#12
valerieam Donating Senior Yorkie Talker Join Date: Oct 2007 Location: California Posts: 449	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.

04-09-2011, 06:17 PM	#13
Britster Action Jackson ♥ Donating Member Join Date: Dec 2008 Location: Maryland Posts: 17,814	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. __________________ ~ Brit & Lights! Camera! Jackson! CGC ETD TKP ~ Follow Jackson on Instagram: https://instagram.com/jacksontheterrier

04-09-2011, 11:00 PM	#15
yorkie mad ♥Tiny Tia my Furbaby♥ Donating Member Join Date: Feb 2009 Location: portsmouth england Posts: 1,824 Blog Entries: 7	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. __________________ Lots of love from Julie , Olly &Tia's mummy. Yorkies leave paw prints on our hearts