PLEASE insure your pups

[Ellie May]

I know we talk about this a lot here. I just want to reiterate that unless you can charge many thousands of dollars at a moment's notice and afford to not get it back then please get insurance.

Saving a little every month instead is good in theory, but catastrophic events don't just happen with old pups.

Please do it or you may regret it later.

[Singingtiger]

I wish like anything I COULD have done this, sadly, I don't think cricket would have been covered because of her liver shunt.....

[Patti]

I have it on my 3 thankfully. Pixie was just diagnosed with PLN and it was expensive to diagnose and will require medicine and frequent tests the rest of her life.
I'm sure the insurance company comes out ahead but when your spending thousands at one time it's nice to get some reimbursed.

[Mermaid1]

What insurance do you use? Have you needed it and are they pretty good about paying or do they find excuses not to cover procedures? I know we will be getting it soon but I am researching at this time which one to go with. I had a dog with Addison's disease/no insurance and that cost many thousands, we could have bought a car, but he was totally worth it. Thanks for sharing any useful info.

[Ellie May]

Originally Posted by Singingtiger

I wish like anything I COULD have done this, sadly, I don't think cricket would have been covered because of her liver shunt.....

It is still worth it even with this exclusion.

Originally Posted by Mermaid1

What insurance do you use? Have you needed it and are they pretty good about paying or do they find excuses not to cover procedures? I know we will be getting it soon but I am researching at this time which one to go with. I had a dog with Addison's disease/no insurance and that cost many thousands, we could have bought a car, but he was totally worth it. Thanks for sharing any useful info.

I have PetPlan for one of mine. They are fair and pay within two or three weeks. There are several good companies.

[capt_noonie]

What is a good company that would cover pre existing conditions such as LP? Uni is already 7 and Toto is probably 9+ so I should be adding them on a plan soon.

[xFoxyx]

I haven't found an insurance company that covers pre-existing conditions. I wish I had... I could have used it to recoup about $20k off my Presley. I lived and learned. I have Healthy Paws for Ripley.

[Ellie May]

Originally Posted by capt_noonie

What is a good company that would cover pre existing conditions such as LP? Uni is already 7 and Toto is probably 9+ so I should be adding them on a plan soon.

None will cover pre existing unless it is pre diagnosis/pre symptoms.
i know LP can be a major expense but I would not avoid insurance based on it not being covered.

[yorkiemini]

Doesn't preexisting just mean they would not cover future incidents of that condition but would cover any other new ailments that are not related to the preexisting condition ?

[Miranda619]

We just recently got insurance for our little guy through Petplan. I haven't had to use it but I feel good knowing that it's there if we ever need it.

[Pinkachan]

I've never bought pet insurance for my dogs so am clueless as to what's out there. I would greatly appreciate recommendations as well as companies to avoid. Thanks!

[Miranda619]

Originally Posted by Pinkachan

I've never bought pet insurance for my dogs so am clueless as to what's out there. I would greatly appreciate recommendations as well as companies to avoid. Thanks!

I started out here and looked through all of them.....

10 Best Pet Insurance of 2014 | Consumers Advocate

I narrowed it down to healthypaws and petplan. I chose petplan.

Good luck!

[Pinkachan]

Thank you, Miranda! ^___^

[Wylie's Mom]

Originally Posted by capt_noonie

What is a good company that would cover pre existing conditions such as LP? Uni is already 7 and Toto is probably 9+ so I should be adding them on a plan soon.

If you got ins, they would exclude covering LP, but cover everything else.

For those looking for companies -- I was first w/ PetPlan until they raised their rates so ridiculously that it was time to switch. I do not like they methods they use in deciding to raise their rates.

I then went to Healthy Paws - I chose them bc of the way they handle rate increases and the way they work their deductibles.

[capt_noonie]

Originally Posted by Ellie May

None will cover pre existing unless it is pre diagnosis/pre symptoms.
i know LP can be a major expense but I would not avoid insurance based on it not being covered.

Originally Posted by Wylie's Mom

If you got ins, they would exclude covering LP, but cover everything else.

For those looking for companies -- I was first w/ PetPlan until they raised their rates so ridiculously that it was time to switch. I do not like they methods they use in deciding to raise their rates.

I then went to Healthy Paws - I chose them bc of the way they handle rate increases and the way they work their deductibles.

Isn't there an actual test they do to truly diagnose LP? X ray or something? Uni has only had the vet manually pop her knee caps in and out. Toto I can feel his pop as well. Would they do a thorough exam before deciding to cover us?

But I agree with you Ellie may, ins not covering LP is not a reason to not get it. I think LP surgery would be one of the cheaper bills to have to pay for, comparing to if the dog eat poison, or treatments for cancer, etc. I would sure hope they help to cover those costs.