We are rescuing a 5-6 yr old dog (shepherd/shar-pei mix) next month and I was curious on peoples' experiences or opinions with pet insurance. I am hoping to provide a safety net for those unforeseen accidents, illnesses, etc. but do not want to pay an outrageous monthly premium......does pet insurance make sense? Any receommendations on insurance companies? Thank you!
Please let me know if you get any responsed about pet insurance, because I would like to purchase one as well. I've done some research and found that you pay a small monthly payment, but you also have to pay the VET up front, then the insurance reiemburse you for what you should get back, whatever percentage they cover. But again, I'm not familier with it and don't know if it truely works or not.
I have the plan from Petsmart, the Petsmart clinics are amnaged by Banfeld. They are managed by Banfeld and my vet there talkes about the corporate tracking and management so there are some standards of care, research and follow through to keep the vets up to date on pet health care. For the monthly fee I get 2 exams per year and all vacinations. Any medication is discounted ( though you may find it cheaper on the net). Office visits are free but you have to pay for treatment. I have taken my dogs in for various reasons and sometimes the treatment is free, ie removing slinters, draining off fluid from a very ill dog etc. The vet always says bring them in as he wants to see what is going on before it gets too bad. All the vets I have used at Petsmart over the past 8 years have been wonderful. they also will refer out when needed. I just got a new dog and signed him up for the service. When I did not have this plan it always cost me just to get the dog in the door and the fees kept mounting. I am very happy with this program.
I think most pet insurance is too expensive. The vet clinic at PetsMart is a big rip off. They charge triple for spay/neuter surgery. A spay/neuter certificate online is $75 and $54 respectively. I only give shots for the first two years of life. Vaccinating past two years old is overkill. I am forced to give rabies shots but they are only $6 per dog. Unless your dog is sickly, pet insurance is usually a waste of money.
It really is hard to decide....if you have a healthy dog you may be wasting alot of money if an accident or illness never happens BUT if it does....would have been nice to have. The Banfield/PetSmart option seems great but since it is only for preventative....I would rather pay that type of bill out of pocket.
If anyone else has any input, please let me know....
Unless you have a breed that is ultra prone to problems, pet insurance is a waste of money on my opinion. Just add up how long you have had dogs, plan to have dogs and how many and multiply the yearly premium by the number of years per dog. Its probably enough to pay for any surgery.
Hello there- We had to have the pet insurance when we lived in Germany for different reasons that you'd want it here. However, like most of the other folks have posted - if you have a pet that never has to see the inside of an emergency vet's office, then it's probably "wasting" money. On the other hand, if your pup is a female and you plan on breeding her and something goes wrong (happened to my family when I was growing up) that emergency vet at 11pm on a Sunday evening is a scary bill to look at.
I guess it just depends on how you look at the whole thing. Good luck with your decision!!