Pet Health Insurance, yes/no??

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Pet Health Insurance, yes/no??

This is a discussion on Pet Health Insurance, yes/no?? within the Dog Health forums, part of the Keeping and Caring for Dogs category; We've had our newly-adopted pit for a little over a month. So far she's been treated for kennel cough, and now needs to go back ...

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Old 11-02-2016, 08:44 AM
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Pet Health Insurance, yes/no??

We've had our newly-adopted pit for a little over a month. So far she's been treated for kennel cough, and now needs to go back tomorrow because she's all the sudden developed bumps everywhere, from what I have no clue. She also needs to get the rest of her shots, as the county took care of rabies and heartworm.
Someone brought pet health insurance to my attention. Does anyone recommend it? Have it? Worth it, not worth it? Thoughts? My husband told me if she has to have allergy testing it will probably cost quite a bit.
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Old 11-02-2016, 09:59 AM
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Quote:
Originally Posted by Butterfli7o View Post
We've had our newly-adopted pit for a little over a month. So far she's been treated for kennel cough, and now needs to go back tomorrow because she's all the sudden developed bumps everywhere, from what I have no clue. She also needs to get the rest of her shots, as the county took care of rabies and heartworm.
Someone brought pet health insurance to my attention. Does anyone recommend it? Have it? Worth it, not worth it? Thoughts? My husband told me if she has to have allergy testing it will probably cost quite a bit.
I'm really on the fence about it. I have a friend that got it for her rescued lab mix and swears by it. Her dog did something to her leg and needed surgery. Since she had insurance, it only cost her $500 out of pocket instead of thousands... BUT then I read stories about being denied and I just don't know. There's a story on here somewhere about a dog who was denied coverage for a skin condition because the insurance company said it was pre-existing. Apparently, the vet noted during the first visit that the dog had dry skin. That was enough for the insurance company to deny the claim. I think it's a tough call because it could be worth it or it could be a frustrating waste of money...

I've started to put money away each week as a "vet savings account"... essentially the same thing as paying an insurance company except your storing the money yourself.
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Old 11-02-2016, 12:40 PM
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Quote:
Originally Posted by Butterfli7o View Post
We've had our newly-adopted pit for a little over a month. So far she's been treated for kennel cough, and now needs to go back tomorrow because she's all the sudden developed bumps everywhere, from what I have no clue. She also needs to get the rest of her shots, as the county took care of rabies and heartworm.
Someone brought pet health insurance to my attention. Does anyone recommend it? Have it? Worth it, not worth it? Thoughts? My husband told me if she has to have allergy testing it will probably cost quite a bit.
I do have health insurance for my pup, got it right after I rescued her, when she was 6 months old.
For me it has a lot to do with having peace of mind. If something happens I only pay the deductible and my 20%.

That said, I read the same story that Aspen726 read and it is true for all of the pet insurances that I looked at: If it is a preexisting condition, the insurance doesn't cover it. And since it is an insurance, they will comb through what the vet writes in her initial health check before or at the time of joining the insurances to find something that there is a preexisting condition that they don't need to cover.

Specifically to your case: If you decide to get insurance now and they do accept the look over of the vet from the kennel cough visit not too long ago as the initial health visit and wait a little until you bring the pup in with the bumps, they might cover it.
If you go back to the vet tomorrow and have to use that exam as the health exam then the insurance will 99% not cover anything related with this, because for them it is a preexisting condition, so even if she needs allergy testing, you would need to pay for that.

I hope this info helps a bit!
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Last edited by BrittaS; 11-02-2016 at 12:43 PM.
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Old 11-02-2016, 06:25 PM
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I have had insurance for Samantha since we adopted her, over seven years ago. I can pretty much count on getting my premium back most every year, one year, Samantha was really sick and needed specialists. It really paid off that year. I feel better having the insurance, knowing that its there to help just in case. This year I am about to schedule a 'wellness' exam, as our Vet wants base lines on everything, since Samantha is just about eight years old. Insurance will pay at least 80% of the cost for that.
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Old 11-02-2016, 09:03 PM
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I got pet insurance last year shortly after my dog came down with pneumonia which cost me nearly a thousand dollars to treat between vet costs, x-rays, medication, etc. If I had the insurance prior to the pneumonia, treatment would have been incredibly less expensive, even including insurance costs. Beyond that, it also gives me peace of mind knowing that I don't need to worry about paying for my dog's health care if something were to happen.

Case in point: yesterday I came home from work to find that my little rascal decided to have a snack of trail mix (with raisins in it) while I was out. I didn't have to worry about whether or not I could afford taking her to an emergency clinic-- I was able to just take her, knowing that once I'd paid the deductible, the insurance company would cover 90% of any hospitalization time, tests, and treatments needed. (Though, I haven't put in the claim yet, so my feelings could of course change if it's rejected )

If you decide to get insurance, make sure to carefully check what exactly they cover. Not all companies cover shots, so if that was something you wanted covered, make sure that the company includes it.

Additionally, as BrittaS said, if you choose to get insurance, you may want to wait to take your dog in to the vet for the bumps. (Only, of course, if you feel this is something that isn't urgent.) As she said, if it's detected prior to applying for the insurance, they'll likely deem it a preexisting condition and will refuse to cover anything they consider related to it. Also check if the plan you decide to get has a waiting period. If they do, any conditions detected or symptoms noted during this time period would also be considered preexisting conditions or signs of a preexisting condition, even if you already have a plan.
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