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03-07-2015, 10:25 AM | #16 | |
I ♥ my girls! Donating Member Join Date: Jul 2010 Location: With My Yorkies
Posts: 18,980
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__________________ Momma to three sweet Yorkie girls Rosie Marie, Mikki Leigh , and Lily Mae Grace! | |
Welcome Guest! | |
03-07-2015, 10:42 AM | #17 |
Jada + Bogie = ♥ Donating Member Join Date: Jun 2009 Location: Mayberry AKA smalltown usa
Posts: 24,078
| I was of the mindset I didn't need insurance because my vet will let me make payments if I had to. But my premium for both of mine is less than 50.00 for accidents and illness and I have the wellness policy also. One visit with jada for a tummy issue was 300.00. I have a 500.00 annual deductible so I may not file. I have embrace which has a vanishing deductible if you don't have to file a claim. It goes down 50.00 a year. I will never have a pet that isn't insured in the future
__________________ Michelle, Jada and Bogie Last edited by jadabug; 03-07-2015 at 10:43 AM. |
03-07-2015, 10:51 AM | #18 | |
YT 2000 Club Donating Member | Quote:
Did you know that cancer is the leading cause of death amongst dogs across all breeds? Many cancers (just like in humans) don't show until the dog is over 6yr 8 yrs old. And cancer diagnosis and treatment is expensive. Pet insurance like most else is more expensive here in Canada but for 5-$600 a year a good insurance plan can help alleviate the ever increasing costs of medical treatment. One ACL repair might cost you $4000 or so dollars. And that might not happen until the dog is 5 or 6yrs old or more. So if you paid for 6 yrs $600 you would have expended $3600 that single health concern would see you in the black. And if one ACL goes it is more likely the next knee will do. I have changed my mind about insurance and now have it on my youngest dogs.
__________________ Razzle and Dara. Our clan. RIP Karma Dec 24th 2004-July 14 2013 RIP Zoey Jun9 th 2008-May 12 2012. RIP Magic,Mar 26 2006July 1st 2018 | |
03-07-2015, 11:36 AM | #19 |
Donating YT 1000 Club Member Join Date: Apr 2012 Location: USA
Posts: 1,628
| $22 year is a good price. The$1000 for decutable. That would be required for major surgery or accident.Its good for a piece of mind. But for me still not worth the cost. I've always thought about it. But I've had many dogs and never had a problem. Only with one. And if something did happen I'm fortunate enough to have the money for care. Hopefully I will never find out. I'm 49yrs old always had dogs. Never need acl surgery, had one with bad knees nothing. One dog had problems like I said. Other then that. iI I had to spend $4k guess I won't go on vacation that yr. For others is it a piece of mind and money saving good. I will always pay to take care of my dogs. But never had to. This is my reasoning for me. Last edited by ironmike86; 03-07-2015 at 11:40 AM. |
03-07-2015, 11:47 AM | #20 |
Donating YT 1000 Club Member Join Date: Apr 2012 Location: USA
Posts: 1,628
| The problem for me is who has actually used the insurance. I can find horror stories there also. |
03-07-2015, 12:58 PM | #21 |
Donating YT 500 Club Member Join Date: Nov 2008 Location: Burbs of DC
Posts: 2,198
| I have insurance on Emma . I think it's worth it.
__________________ Owned by Troy(RIP) & Emma |
03-07-2015, 01:40 PM | #22 | |
YT 2000 Club Donating Member | Quote:
For sure ... and like anything else the buyer of insurance needs to research their claims paid history, and consumer reports. I am so glad that you have had healthy dogs so far, but for those of us who have not, have had 4 or more major health issues crop up, which we self funded, you might just have a different viewpoint. Also to consider is your age to retirement, or if you are retired and on a fixed income.... I personally have easily spent over $20,000 on vet care for extraordinary health issues in my dogs. It can add up quickly when you want and do provide for the best of health care.....
__________________ Razzle and Dara. Our clan. RIP Karma Dec 24th 2004-July 14 2013 RIP Zoey Jun9 th 2008-May 12 2012. RIP Magic,Mar 26 2006July 1st 2018 | |
03-07-2015, 02:31 PM | #23 |
Donating YT Addict Join Date: Aug 2010 Location: SW USA
Posts: 2,505
| Insurance I sure have used it! Six months after I adopted a rescue at one year old.....I thought perfectly healthy.....he had to have juvenile cataract surgery. Most unexpected. Total cost of the surgery plus extensive aftercare was around $3,800. About a year ago , pancreatitis, again not cheap. I have zero deductible and 90% payout. Monthly premium depends on age, zip code etc, etc. but does not increase with age. He is six now and running into the senior years. Hope he will be ok from how on. I prefer to limit my liability rather than face unexpected vet bills. To each his/ her own though. |
03-07-2015, 02:55 PM | #24 |
Yorkie mom of 4 Donating YT Member Join Date: Feb 2008 Location: LaPlata, Md
Posts: 23,247
| Everything has horror stories. I know what I would have used it for had I know about it when I got Callie, two LP surgerys one with a partially torn ACL, one cost $3,000 the other around $2,000 both added a couple hundred to that for pin removal, anything to do with her hypothyroidism the the yearly test and medicine, two broken teeth, and allergies. Had I known about it before all these pre existing issues it would have helped a lot.
__________________ Taylor My babies Joey, Penny ,Ollie & Dixie Callie Mae, you will forever be in my heart! |
03-07-2015, 04:38 PM | #25 |
Donating YT 1000 Club Member Join Date: Apr 2012 Location: USA
Posts: 1,628
| If I would have spent alot of $$ for Vet bills then yeah maybe I would see it different. But the plans near me are expensive. Theres the Online insurance but I'm skeptical.How do the dogs get acl tears?? Bad knees I can see from jumping and accidents. I keep my dogs fit never over weight...by much ounces. I think the heavier dogs get the bad knees from jumping and Pancreatitis never experienced that either. But 49yrs old. I grew up with Hound dogs, dog pound dogs ,rescues they all lived a full life. Lost one small dog to a Coyote and one Yorkie from Genetic defect or injury they weren't sure. What are to good insurance co ? If there were inexpensive then I probably would have a different opinion. |
03-07-2015, 04:39 PM | #26 | |
Donating YT 1000 Club Member Join Date: Apr 2012 Location: USA
Posts: 1,628
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03-07-2015, 05:18 PM | #27 | |
Yorkie mom of 4 Donating YT Member Join Date: Feb 2008 Location: LaPlata, Md
Posts: 23,247
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__________________ Taylor My babies Joey, Penny ,Ollie & Dixie Callie Mae, you will forever be in my heart! | |
03-07-2015, 05:55 PM | #28 |
Donating YT 1000 Club Member Join Date: Apr 2012 Location: USA
Posts: 1,628
| Super fit dog at the Agility center I go to get the tears. The Sumner Agility has National Champion dogs training there. They are a Big Vet facility also. They never did surgery on them. Probably wasn't severe enough.? But Yorkies aren't running like that. Just wondering I've never seen a toy dog get an ACL injury. Everyone is posting like its common? I see more overweight dogs with hip and knee problems. Dunno |
03-07-2015, 05:56 PM | #29 |
Donating YT 1000 Club Member Join Date: Apr 2012 Location: USA
Posts: 1,628
| But just because I haven't seen it doesn't mean its not common. Maybe I need to get out more |
03-07-2015, 06:26 PM | #30 | |
Yorkie mom of 4 Donating YT Member Join Date: Feb 2008 Location: LaPlata, Md
Posts: 23,247
| Quote:
__________________ Taylor My babies Joey, Penny ,Ollie & Dixie Callie Mae, you will forever be in my heart! | |
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