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Old 12-07-2011, 05:00 PM   #1
CORattler
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Pet Health Insurance

Veterinary care can be expensive. Does the cost of pet health insurance outweigh the benefits or is it a good deal? I'm interested in hearing from folks who have purchased it and used it. If you have had a good experience with a particular company, I'd like to hear about it. Thanks!
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Old 12-08-2011, 06:17 AM   #2
Dustytuu
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No we do not have pet insurance but wish we had. One of our dogs had to have radiation that was very expensive!
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Old 12-08-2011, 11:52 AM   #3
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We considered it and happened to read a Consumer Reports article that gave a comparison of having the pet insurance and not, then gave a comparison of typical issues (e.g. broken limb). Their conclusion was better to save the $50/month (the cost at the time) in a special account and have that money available for when you might need it. Thus, we did not buy insurance. That being said, we had friends who had pet insurance and swear by it. Be sure you read & understand the policy carefully - it's not like human health insurance - there are a lot of things not covered and there are deductibles.

Good luck with your decision~
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Old 12-08-2011, 03:08 PM   #4
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We have never had it. I looked into it several years ago and just did not feel it was very good. One problem I remember being mentioned was pre-existing clauses. If your dog had some problem this year and then had it again next year, the insurance would not cover it the next year. Apparently the next years policy was considered a new policy and the previous problem suddenly became a pre-existing condition. Read the fine print carefully.
At the same time, I have read about some who were very pleased with it.
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Old 12-08-2011, 03:21 PM   #5
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I wish we had it our PBGV is costing us about $1000 per week for Vet care, Heart trouble.
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Old 12-08-2011, 04:06 PM   #6
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Our Schnauzer's cancer has cost us about $10,000 total.
This is going from original diagnose, scans, ex rays radiation,
follow up treatment, visits, antibiotics, other medicines and etc.
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Old 12-11-2011, 02:04 PM   #7
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Dustytuu
Yes they become members of the family, I know.
Lynwood
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Old 12-12-2011, 08:59 AM   #8
Red939
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We don't have insurance, but could use it. Our cat is a diabetic and gets two shots of insulin every day, 20/20 hindsight.
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Old 12-12-2011, 10:44 AM   #9
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quoteustytuu
Yes they become members of the family, I know.
Lynwood
Had to take her to doctor today. Noticed a bump on side of her head, on same side she had cancer. They did a biopsy and will know tomorrow. Afraid to think of what this means. Her oncology doctor is concerned too.
Our hearts are broken.
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Old 12-12-2011, 01:30 PM   #10
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I'm sorry hope this turns out alright. We take Barney Goober to the doctor twice a day, to check for fluid. No fluid for the past 2 weeks.
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Old 12-13-2011, 05:58 AM   #11
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Hope your Barney is OK. They sure leave a hole in our hearts when they go over the rainbow bridge.
Bonnie acts fine and is not in any pain. She is bright, active and alert. Has a good look out of her eyes.
Have not heard anything from the vet about the biosopy yet.
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Old 12-13-2011, 06:48 AM   #12
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We had VPI Pet Insurance for Raider for many years and were very glad we did. Of course the younger your pet is when you start the better the price and the coverage.

http://www.petinsurance.com/
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Old 12-14-2011, 06:51 AM   #13
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Thank you.. we will look into this for our next puppy.
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Old 12-14-2011, 07:57 AM   #14
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Here is an MSN Money article you might want to read about it.
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Old 12-14-2011, 04:10 PM   #15
CORattler
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Good article. Thanks for the contribution!


Quote:
quote:Originally posted by BB_TX

Here is an MSN Money article you might want to read about it.
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Old 12-28-2011, 01:53 PM   #16
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We too have used VPJ for our pet insurance since Skye (Wild Montana Skye) entered our family. You also get the presidents club discount if you go through their portal. Check Rv view for it.
Not like our health insurance, but helps with the big bills and checkups. Anna, our previous golden, was an epileptic, and medication and blood tests were expensive, around $7000 per year. This helps cushion that.
Our cost is about $44. Per month for best coverage. You can choose your level. I pay almost $300 a month through work for my own. This is a mere pittance, and I don't have to make a choice on Skye's medical care.
And yes Raider's family, goldens are pure love and companions.
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