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YorkieLover2192 04-20-2013 06:03 PM
Pet Insurance (what do you think)
 
what do u think about pet insurance

annadee 04-20-2013 06:29 PM
I think it is important to have because you never know what medical issues will come up. I remember one day randomly my dog tore a cruciate ligament and it cost $2000! Yikes, that was a lot of money. I never thought of getting insurance before, but I am now for the peace of mind in case something like that happens again.

KendraE 04-20-2013 06:38 PM
All 4 of mine have pet plan... Can be pricey, but if you can afford it, it's great to have!

YorkieLover2192 04-20-2013 06:41 PM
What pet insurance company you have?

dottiesyrky 04-20-2013 06:50 PM
Insurance
 
I have Trupanion and am very happy with them. I have zero deductible and that makes it more expensive, but they have a sliding scale for deductibles. I got insurance for my adopted boy when he was just over one year old. It is a good idea to start young, before any pre existing conditions. After about six months he developed cataracts and the surgery was around $3,300 per eye!! I am glad I had insurance as I did not expect that to happen in one so young.
Good idea to compare carefully all the conditions/prices.

KendraE 04-20-2013 06:54 PM
The name of ours is PetPlan. We have the gold plan with a $100 deductible... There are different plans available. Again, I have 4 insured, so it runs me a little Over $1000 a year.... But just one bad injury or sickness could run thousands! We've only had to use it once so far... But it paid quickly.

cindersellie 04-21-2013 02:22 AM
Quote:
Originally Posted by dottiesyrky (Post 4193044)
I have Trupanion and am very happy with them. I have zero deductible and that makes it more expensive, but they have a sliding scale for deductibles. I got insurance for my adopted boy when he was just over one year old. It is a good idea to start young, before any pre existing conditions. After about six months he developed cataracts and the surgery was around $3,300 per eye!! I am glad I had insurance as I did not expect that to happen in one so young.
Good idea to compare carefully all the conditions/prices.
:thumbup: I started a thread like this a few months ago. I ended up getting Trupanion also- they cover conditions that are hereditary. You can also set the deductible. The plan I choose is about 38.00 a month. They won't cover anything that's "pre existing" though, meaning you're pup was treated for that illness before getting insured. Most pet insurance companies are like that, so, soon as you find a company you like, start a plan for your pup!

Pet insurance by Trupanion

jeane 04-21-2013 04:12 AM
what I do on the advise of my vet is take that money that I would spend on the pet insurance and put it in a savings account and then I could use the money as i see fit// they had experience with VPI and she said that the clients who used it had a hard time getting their money// I also have a care credit card which if you pay off in 6 months there is no interest

Kilton 04-21-2013 04:44 AM
I just got VPI and am working on meeting my deductible ($100) so I'm not sure how they are paying claims, I'll keep you posted!

Micah my love 04-21-2013 04:48 AM
Quote:
Originally Posted by jeane (Post 4193141)
what I do on the advise of my vet is take that money that I would spend on the pet insurance and put it in a savings account and then I could use the money as i see fit// they had experience with VPI and she said that the clients who used it had a hard time getting their money// I also have a care credit card which if you pay off in 6 months there is no interest
:thumbup::thumbup: I also have a Visa that i keep for my babies only

KendraE 04-21-2013 06:20 AM
I thought about putting the money back into savings... But, again, one $3000 illness or disaster would take up 3 years of insurance savings money... In the end, this may have been the better financial choice. I'll let ya know in about 10-15 years! :)

LuvTaycieGirl 04-21-2013 07:52 AM
I have it and wont go with out it. This is the math so far.

Taycie turned 3 in March. I have had Taycie on insurance since was was 5 months old. My monthly premium has cost me $1,272 thus far.

In those 3 years Trupanion has paid back $5589.46. This is her up to date pay back amount. I just sat and added it all up. For me, there is NO way I could pay off $5589.46 on a credit card/ care credit and then pay it off in a reasonable time so I could use it again.

And.. I am on a fixed income.. I really don't know how I could save that amount and then turn around and replenish my savings. I would be in big trouble.

So For us.. Insurance is the answer.


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