I decided to get pet insurance for Jimmy ( Doxie- 6 years old)
He is healthy and no issues at all
which is the best pet insurance?
I met a Gentleman in the Road and he advised me to get insurance before it is too late He said he paid over $10000 dollars for his dog who is 15 years now and she has arthritis and blindness, He said he regret not having insurance when she was young
I prefer to keep my money, so I have a bank account that I put the money into every month so that if something happens I have that to fall back on. I used it when Gage needed his knees done last winter, and am trying to build it back up. There are times that the insurance company will simply refuse to pay, and if there is ANY way they can get out of it they will. Like if your dog has had its leg looked at before you had insurance and something happens to that leg they will say the condition was pre-existing and not cover it.
And how that man spent that much for arthritis and blindness in beyond me!
I agree with ruffian, I prefer to keep my money. I don't trust the pet insurance companies at all, and as long as I can put money into a seperate savings account for my pets I will. Kinda wish I could do it for myself also lol.
I have heard way to many horror stories from clients of claims not covered, and dropped as soon as there was an issue. That is the biggest issue for me. They will drop you as soon as you start costing them money, and yes they can do that.
You have to remember they are a buisness, and making money is what they do. They really don't want to help you, they just want to make their money and walk away.
($10000 at 15yrs, forget it. I would have never spent that much)
You kind of have to decide for yourself and maybe the breed of your dog may make a difference? I have a 3 year old Chow Chow and purchased insurance when he was about 3 months old. He has torn both ACL's and the insurance really helped me out. There are other things they have denied, saying it was common to the breed, but for the couple hundred a year I've paid to them, they've reimbursed me over $2,000 for surgeries. Hope you never have to use it but VPI has been decent to me. I have been told it is cheaper to get it when they are younger, b/c then there are no pre-exsisting conditions to worry about. It does cover cancer treatment if that happens. My first Chow Chow had Cushing's Disease, and I asked and VPI said it would have covered the medication if she had been insured prior to diagnoses. The medication was over $180/month and that was about 7 years ago.