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Sun Jan 23, 2022, 02:49 PM

pet Insurance

does anyone have any recommendations or experience with using any particular one?

8 replies, 756 views

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Reply pet Insurance (Original post)
thinkingagain Jan 2022 OP
liberalla Jan 2022 #1
Deminpenn Jan 2022 #2
NJCher Jan 2022 #3
thinkingagain Jan 2022 #4
FreeState Jan 2022 #5
milestogo Jan 2022 #6
underpants Jan 2022 #7
peggysue2 Jan 2022 #8

Response to thinkingagain (Original post)

Sun Jan 23, 2022, 03:12 PM

1. I'm interested too. I've always wondered about pet insurance...

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Response to thinkingagain (Original post)

Sun Jan 23, 2022, 03:24 PM

2. Emergency vets are expensive

Don't have it, but wished I did when my pet needed emergency treatment. You don't need it for routine vet visits or procedures, but if you're concerned about specialty care, it'd be worth checking out.

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Response to thinkingagain (Original post)

Sun Jan 23, 2022, 03:38 PM

3. I have a couple friends

who are happy with pet HMOs.

When I talk to my friend next, I'll ask for the name of the company.

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Response to thinkingagain (Original post)

Sun Jan 23, 2022, 03:44 PM

4. its almost impossible to actually compare them online

they all want you to sign up with an email for a quote.
Started trying to help my daughter look into them yesterday. I told her she is pretty much out of luck.
Her dog is a Mastiff mix 3 yrs old. already has a preexisting condition (Cruciate ligament injury) so from what I can tell most will not only not cover that but won't cover it if it happens on the opposite side. As apparently that is very common.
She is a minimum wage earner. luckily at at vets office so will probably get a discount for the needed surgery but it still will probably will cost her several thousand dollars.
I did find a couple for her to check and see if they may work.
I also did find her a discount program not an insurance that may work and good rx will work for the dogs meds. But was wondering if anything was better than what I was able to find.
Or if any one had any experience saying one was awesome or worthless.

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Response to thinkingagain (Original post)

Sun Jan 23, 2022, 03:44 PM

5. We have pet insurance

We use to have it cover everything but now only do accidents. Itís worth it. One of our dogs broke her back and we were given the following options from the VCA:

1) put her down
2) use wheels the rest of her life
3) surgery, 8-12k out of pocket

Insurance paid 4k towards the surgery.

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Response to thinkingagain (Original post)

Sun Jan 23, 2022, 03:52 PM

6. Healthy Paws

Does not cover any routine care.

But for illness or injury it covers 80%, after a $250 deductible.

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Response to thinkingagain (Original post)

Sun Jan 23, 2022, 04:43 PM

7. If it's cats, the first year I would highly recommend it

Our dog has been healthy as a horse since we got him 2 years ago.

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Response to thinkingagain (Original post)

Sun Jan 23, 2022, 04:44 PM

8. We're using Trupanion

I was somewhat miffed that they refused to pay for a continuing ear/yeast infection when our pooch was a puppy. They insisted it was a pre-existing condition. But . . . when she was diagnosed with kidney problems requiring multiple blood work-ups, urine tests and an ultrasound at a nearby vet hospital, they picked up 90% of the bill after our $350 annual deductible.

We've used pet insurance for the last three dogs. Just in case. Because veteranary fees are really high anymore and every pet owner I know wants to provide the best healthcare they can for their furry family members. You get into chronic illnesses, surgeries or cancer treatment, the bills can go through the roof.

The policy is for the dog as well as insurance for our bank account.

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