Any advice or experiences with pet insurance would be such a huge help. 4 month old Roxy has had ear infection, bladder infection and 3 episodes of passing out. (one on record at the vet) I wish I would have gotten it right away. Hindsight 20/20.
The problem you will run into now is that most pet insurances will exclude any pre exisiting conditions. Meaning sure you can still get pet insurance, but remember insurance company make their money based on risk factors. The game plan is for them to pay out less than they bring in or they wouldn't be in business for very long. If you dog has already be seen by the vet for a certain problem it will be on file and the insurance company will ask for your file from the vet before they insure the dog. Also any pet insurance company I looked into had a waiting period before you could use it (most were at least one month)Some things like the uti which are fairly common might be okay by them and they still may cover "urinary system" but with the "passing out" thing that's not a common occurance and I would strongly suspect they would consider that a high risk factor and not cover any futher neurological problems :( I got pet insurance for all three of my dogs, actually buying it the day I brought the dogs home. I learned from the experience my parents had with their dog. She had two bouts of severe diarrhea that last 3 weeks each time before she was 5 months old. Very difficult to clear and not caused by parasites etc. Turns out she has irritible bowel syndrome. Needless to say at 5 months they decided to get pet insurance in case this became a chronic problem. Yep no problem getting the pet insurance, but it excluded any future GI conditions. So if she breaks a leg, gets an ear infection, UTI etc she's covered but not when she has a flair up of her IBS. So essentially in the past 7 yrs they have had one claim put into the insurance company for $50 on an ear infection and it's cost them over $1800 out of their pocket for treatment of her IBS. Myself I have never put one claim in on any of my three dogs since I got insurance 3 1/2 yrs ago.
I personally think it is a waste of money. They will probably not cover any of the things you dog has already had. Since you don't have a diagnosis for the passing out, the insurance company could decide not to cover anything associated with that. I belive that if you purchase you dog from a good breeder who does health checks, and has a good guarentee, you should not have to purchase it.
My puppy broke her leg playing, it cost me a total of $300. If I had purchased insurance, yea they would cover the leg, but I would pay 3-4times that amount in the long run.
I had a client who had purchased insurance, and when her dog came down with epilepsy, the insurance company dropped her. all the money she had spent was gone. If she would have put that money away instead of sending it to the insurance company she would have a nice savings for her dog.
You have a dog who has already had some problems. If I were you, I would decided on a certain amount to take out of your paycheck each time you get paid. Put that money into a seperate savings account. That way if you have a major bill, you have the funds already set aside. I put $50 from each paycheck, I have a nice savings in case of any emergancy. I breed, so I like to have alot. You probably wouldn't have put that much away if you don't want to. When times are tough (like now), I just treat it like another bill that has to be paid. Just my Opinion, but it works for me.
Illusionminis that's a hard one. I for the most part agree that pet insurance is a waste of money. Personally if I were to do it again I would probably still buy pet insurance the way I did (the day I brought them home)but only keep it for maybe a year. It seems to me that most problems that will arise will rear their ugly heads within the first year. For me because they are small dogs it cost just under $700/yr to keep the insurance. Even though I haven't ever put in a claim there is something about having that security of IF I ever need it it's there. My middle dog has a cherry eye issue. Oddly enough it will pop out but continues to retract on it's own within a few minutes. I have taken her to the vet and asked about doing the surgery to correct it, which is covered by my insurance. Unfortunately they can't do it until it's out and stays out to ensure they are tacking it in the correct place. Since it's happened so often I've been told it's only a matter of time before she will need the surgery. Once I've had that surgery I will cancel my insurance. Damn it, I've paid into the insurance for this long I'm going to get something back out of it :) We have also started putting some money into another account for when I do finally cancel. My worst fear is always that I will cancel my insurance and the next week something disasterous will happen lol. I want to make sure we have atleast $1000 in there before we cancel. We have friends that had pet insurance for just under 2 yrs, no claims. A month and a half after cancelling their lab ingested a large stick (gotta love labs)It cost them just under $3000 for the vet bills as the surgery ended up being quite complicated and the dog needed to be sent out of the city for the surgery then infection etc. This was far more than they had paid into their insurance at the time of cancelling (less than $1000) and had they kept their insurance over $2300 would have been paid by their pet insurance. It's all a roll of the dice I guess.
yea, it can be a really difficult call. and yea, gotta love labs lol. I have almost $3000 in my account, but I have 5 dogs so if one of my guys got really sick, I would probably be in trouble. Life is just a toss of a coin, you never know what will happen, and no matter how much we plan, something goes wrong lol