Id talk to your vet about it and see if it would come in handy for you. When my "puppies" were puppies I askd my vet about it and he said that pet insurance does not cover regular check ups, shots, etc. It's more for surgeries and stuff like that. Basically, he told me that it would be a waste of money for a puppy.
But they're probably all different so see if your vet can clarify what it covers and you can decide then if it'd be worth it or not.
There's one that covers shots for alittle more money. I use this for anything. The last time My dog had a stomach virus the insurance reinbursed me all but $50.00 which is my deductable. The vet told me they cover almost any situation. My new puppy just had to have a foxtail removed from her ear the vet said if I would've had the insurance on her it would've been covered. I added her on with the other dogs.
***Edited By: beaglecookie on 12/1/2005 11:04:32 AM*** Reason: add
i looked into it for my cat. if i had paid her whole life (4.5 yrs) i still would have had to pay something for her cancer surgery, etc. anywho i figured it out adn i paid less paying out of pocket $1400 than i would have for insurance.
too bad they done have an "Rx" plan for HW and flea meds. that would be great.
also some breeds prone to health issues are more $$$, or covered less b/c it is a genetic issue, etc.
***Edited By: ESKIEGIRL on 12/1/2005 11:18:25 AM*** Reason: .
VPI does give you money toward flea medication. I had a dog who turned diabetic when she was 9 yrs old. $8000.00 dollars later I lost her within 2 months. I wish I had the insurance. I will never be without it. One of my dogs might be epiletic. Good thing I got the insurance when she was a puppy. She just turned 4 yrs old. She covered for any medical bills that occur.
I have VPI on all three of my sibes. They just turned 1 year old. I've used the insurance for Riki and Raja's spays and for the stitiches in Romi's paw. We still don't know what she cut it on, but it was covered, though not 100%. You can go to the web site and look at what is covered and see what the answers are to a lot of questions. I made sure to get the cancer coverage, as I lost two husky mixes in the last two years to cancer and I have the coverage for yearly vaccines.
***Edited By: wolf256wolf on 12/1/2005 6:12:43 PM*** Reason: ++