Pet Insurance...Worth it?

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Pet Insurance...Worth it?

This is a discussion on Pet Insurance...Worth it? within the New Additions forums, part of the Keeping and Caring for Dogs category; My title says it all. We will be getting a new puppy sometime late Spring or early Summer and I am wondering if it is ...

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Old 12-14-2015, 08:54 AM
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Pet Insurance...Worth it?

My title says it all. We will be getting a new puppy sometime late Spring or early Summer and I am wondering if it is worth getting pet insurance for it. My friends who got it have mixed feelings- some think totally worth it and some say waste of $$. Thoughts?
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Old 12-14-2015, 10:34 AM
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I think it is worth it, but I like to be prepared in case of emergencies. My family would have had to put out Toy Poodle down because of Cushing's disease(due to the shear cost of medications) when I was growing up but was allowed much more time with her because we had pet insurance.

It is a worst case scenario thing, you get it because you hope to never use it.
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Old 12-14-2015, 10:55 AM
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We have had medical insurance for Samantha since we adopted her. We seem, always to at least recover the premium every year, so the reality is, in the six years we have had Samantha, the insurance has cost very little. One year, she was sick for about 8 months or more, and the insurance really kicked in and helped that year. Turned out she had a reaction to a long lasting antibiotic shot she got, because she had bronchitis. It was really touch and go for awhile, but she came through and is fine now. Lots of Vet visits and trips to specialists.
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Old 12-14-2015, 12:31 PM
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I dont carry pet insurance on our dogs but our dog ate a bottle of IBPrufin last year. She ate about 80 pills. After seeing our vet bill from that I sure which we had it.
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Old 12-14-2015, 01:56 PM
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I would suggest contacting your vet's office to see what kinds of insurance they accept. I'd also get it as soon as possible before there are any preconditions!
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Old 12-14-2015, 03:10 PM
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Most pet insurance will not pay the Vet directly, they will reimburse you after you pay the Vet. At least that is the way ours works. Also in my experience, they will exclude any pre-existing conditions. Samantha had an ear infection when we adopted her, and insurance excluded treatment for ear infections, until she had gone six months with no recurrence. Don't know how other insurance companies work, but we now have zero exclusions for Samantha.
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Old 12-16-2015, 11:10 AM
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It is absolutely worth it. For 30 dollars a month--the cost to eat out or buy some drinks--my dog is insured up to 22K a year.

You never plan for accidents to happen. Look at how many dog gofundme's you see. Pet care is very expensive. You never plan for your dog to develop a chronic disease. Addison's disease is very common in standard poodles and requires lifelong treatment. It can be extremely expensive...with pet insurance, the treatments are very cheap.

It is a very good idea, especially bringing home a new puppy. A couple weeks ago my dog and I had a mishap with a chuck it ball that necessitated an emergency vet visit. I'm so glad it was covered by pet insurance. Pet insurance even covers medications for behavioral issues.

If your dog breaks a bone...it can be extremely expensive to even get the imaging required to diagnose it, let alone medication and surgery. With all the variables that can happen in a dog's life, I often wonder how people can afford NOT to have pet insurance.
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Old 12-16-2015, 06:28 PM
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So worth it! Other people have explained it fairly well, it's not very expensive and it insures quite a lot of money in case of an accident. Pet costs can get extremely expensive and it's nice to have that cushion in case it gets way up there. There are some that even pay for their yearly check-up and shots.

We're getting a new puppy and planning on getting her insurance after the holidays.
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Old 12-17-2015, 02:10 PM
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Yes definitely worth. In the last few months 2 of my dogs needed unexpected veterinary treatment which added up to 3000. I only paid the excess, my insurance paid the vets directly.
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Old 12-17-2015, 04:30 PM
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Today alone my insurance covered my dogs $200 ear infection vet visit which is awesome because we were just there 2 weeks ago having his ears cleaned and checking him for allergies. So worth every penny. I pay $350 a year and they just covered a $200 bill for one visit (that we have to go back for a check up in 2 weeks for), I would say it is worth it.
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