One of the women I work with told me pet insurance was the best thing she ever did for her dog. I'm going to go look some info up on it, but i'm wondering if anyone has it or has had it. Is it worth it? Does it just cover emergencies? What company did you use? Is it still the I pay now, they reimburse or is more widespread that vets will take the discount at the office? Like i said, i'm on my way to look up info but just wondering about personal experiencs :)
I had insurance on my lab... when I registered him I got a 30 health insurance that I could continue, but choose not to.
I think alot of it depends on the breed, if they are prone to certain types of health issues, it may be a good thing.
I have a friend that wanted to get insurance but any ailment the pup had (yeast infection in her ear) the insurance would not cover and I believe my friend had to turn over the vet records or something like that.
She should have gotten the insurance before taking her to the vet... roxie is a mix rot/lab and always has issues with her ears and her glands filling up! (I don't think her mix has anything to do with her issues, just pointed out what she was.)
After doing some research, I signed up my two puppies with a pet insurance company that seemed to offier the most for your money. They cover everything you can think of for a reasonable rate. Will file my first claim next week so we'll see how it works out.
I have had it for the last 3 years, its great and a big life saver. For my deberman preston i paid $34.95 a month and that was for xrays,office visits.blood work,vacc, and a lot more. They give you a print out saying how much you saved i save $800 in 1 visit. I just got it for my puppy dogs under 1 year are are $16 a month and that covers office visits, blood wrok,worming,vacc's and more
I recently just purchased VPI for my puppy, its only $60 up front and $30/mo. My mom recently suggested I buy it, she found her dog has heartworm, and it cost her $800 in vet bills. Although she has to pay up front, VPI reimbursed her, I believe 80% of the bill. Also, right before I purchased the insurance, Teddy got a foxtail in his ear and a ruptured ear drum, which cost me $300! If I had already had the insurance I would have gotten most of that back!! I would highly suggest it.
Oscars doesn't have any insurance. But I do have a credit card for emergancies and if I ever needed any extra money I would just take it out of my savings. I guess the main reason I don't want to get insurace is because soem say it cost 300 a year and I might just spend 200 a year in vet cost with Oscar. but I understand the need of emergancy.