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My company offers discounts on pet insurance from a couple of companies. I called one, Nationwide, and they offer a policy that covers 90% on wellness and illness and medications, but it is $60/month (with the discount). Even Including his heart worm prevention and flea tick medicine, I don’t think we spend that much. He has allergies that are considered pre existing so that would not be covered.

He is 2 yo and pretty healthy.

I don’t know how to compare the different options.

Does anyone have experience with pet insurance?
 

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I think insurance is always worth it but what you've been quoted still seems a bit steep to me. It's always worth shopping around and you'll be more than likely to find something a bit cheaper :)
 

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Insurance is a unique commodity. Its never worth it, unless you need it, then its a whole different story. We have had insurance for our dog, since we adopted her over ten years ago. Over the years, I have in general always gotten back, or close to it, the premium. As she has aged, her medical needs have increased, so now, despite the premium increase, because of her age, I can pretty much count on getting the entire premium, or in the case of last year, substantially more than the premium. I would not be without it for our dog, any more than I would for my wife and me. It is, of course an individually subjective decision for everyone, but IMO, its well worth it.
 

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I keep it my dogs. I use 24/7 pet watch. They have been decent to deal with. It’s been about break even. My vet worries will create two types of pet owners...those that are insured and can afford pet care and those that can’t. He believes that as it becomes more common rates go up.
 

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It depends. In Canada, all of the insurance companies I spoke to won't insure my pets because they're sports dogs, so potentially injuring themselves is a higher probability.

So I just put money aside to pay for anything that comes up. I think for the average person with dogs for companionship, it is definitely worth it.
 

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I researched pet insurance quite extensively before going with Healthy Paws. The deciding factors for me were the following:

-Healthy Paws has been rated #1 for the last 3 or 4 years
-I read reviews and they have very good reviews from customers
-The coverage is pretty clear. Any accident or illness is covered unless it's considered pre-existing. Other insurance companies are a bit vague.

CONS: There is a waiting time for ACL and hip dysplasia which is common for per insurance. Vet exams are not covered.

I didn't think going with a wellness plan was worth it. It ends up equaling out what everything costs anyway. It just divides the costs into payments.

A few things to keep in mind. ANYTHING that is pre-existing will not be covered. So in the past if you've mentioned your dog sneezes a lot that probably means they won't cover anything to do with allergies. Obviously the best case scenario is to get insurance on a puppy or a dog as soon as you get it before any health issues are known.

Something I think is important: I know some companies have a yearly deductible but other companies apparently have a "per-issue" deductible. So if your dog has to get a few stitches in May, you have to pay the deductible first before any coverage kicks in..then if your dog has diarrhea in June, and gets a prescription...you have to pay the deductible again...over and over. Most problems likely WILL BE new issues and therefore you'll constantly have to pay that deductible and a lot of times that will mean that the insurance coverage won't even be reached. But if you have a yearly deductible you pay it once each year and then everything else that comes up that year is already eligible for coverage.

Important advice: Know your coverage inside and out so there are no surprises. Example: If you sign up for 70% coverage and $250 deductible and then your dog swallows swallows something they can't pass and needs $3,000 in surgery and you think..."70% is good, but wow, I think I should go with 90% coverage and maybe $100 deductible, just in case something else happens."....it'll be too late. Most (if not all) insurance companies will not let you increase your coverage after your first claim. You can decrease, but you can't increase.

Make sure you're happy with the company you go with because you likely won't be able to change it since you'll have a history of things that have been covered that will now be pre-existing with another company. Don't let your payments lapse, or it's cancelled and you'll have to start all over. They tend to give 30 day grace period on late payments I think, but I wouldn't take any chances.

I weighed my options on putting money away for vet expenses or getting insurance. My last dog died of cancer and if I had had insurance I would have had him in sooner just to check why he was breathing heavier. I thought it was age and didn't take him in. By the time I did, it was too late. The cancer was throughout his body.

One of the best things about having insurance that I didn't consider before getting it, is that when you have insurance it's so much easier to just take them in to get checked instead of playing the guessing game, on if you really need to go in on a weekend to an emergency clinic or if you can wait for an appointment.

Last November when my German Shepherd puppy was 8 months old, she was acting restless when it was time for bed. Her head was hanging lower than normal. She looked a bit stiff. I thought something could be wrong, but I wasn't really sure. She had been at the dog park earlier in the day and was fine..although I noticed she was acting a bit tired. It was Sunday. The only place to go was the emergency specialist hospital. I really wasn't sure if she even had a problem that needed to be checked. I had insurance though so I brought her over. Long story short, but she had an abscess in her lung and her right lung wasn't functioning. She had to have part of her lung removed. Likely from a fox tail seed. Surgery and meds were about $10,000. I paid 10% plus the vet exam. Insurance covered almost 9k.

They needed to do an ultrasound, EKG, x-rays, CT scan, chest tube, etc. I didn't have to pick and choose what they could do. I just told them to do what she needed. She was in critical care for a week. And to think back and know that I almost didn't bring her in. If I hadn't had insurance I probably wouldn't have brought her in that night. She was a ticking time bomb and I had no idea. The way I look at it now, is I pay for a phone each month...my dog is more important by far than my phone. If I view a phone as necessary then I certainly see dog insurance as necessary. Hopefully she NEVER EVER has an emergency again,and if not I will know that the insurance payment is going to someone else's dog that needs it. But if something does come up, she's covered. I worry that about increasing rates over the years, but her insurance is a priority for me.

That one incident with her already paid for years and years of monthly payments. but, I'd rather make the payments and have no issues that need emergency care.

Is insurance worth it? Maybe you'll only need it for minor things over the years, and if you're super lucky that'll be the case and the money will go to other pets that are sick or injured. But if you do need if for major health problems or an injury then you'll be able to rest easy knowing he can have whatever treatment he needs.
 

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@DogFaming, I've been doing non-stop research since yesterday making calls, getting quotes, reading reviews online and I am leaning towards Healthy Paws. My vet friend suggest Trupanion and even if I bump Healthy Paws to 90% instead of recommended 80%, its $40 more a month. I think I want to really focus on getting it for my 11w pup for any catastrophic reasons like you mentioned. Nationwide offers a plan from my work that would cover wellness and dental but they have very bad reviews and the annual limit is $7,500 which isn't much if something crazy happens but all my cleanings, Frontline, heart guard, annual shots and more would be covered at 90%. Then I look at Figo which on price is comparable to Healthy Paws and allows a rider that would cover the exam fees for the emergency which is interesting. I really want to make a decision this weekend and secure my insurance before going into the Holidays as I just got my pup 2 days ago. What other nugget of knowledge from your experience can you give me to help make my decision and also with HealthyPaws did you up it to 90%?

At the end of the day I do think credibility is key. I've seen so many horror stories about how they try to deny claims and say the most random things are pre-existing conditions like ear infections. So I don't want a company that will play games with my claim and maximize my coverage and peace of mind. I think I will just also have to keep a savings fund to cover the non-covered pet items.
 

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Discussion Starter #8 (Edited)
I am undecided. We put it on hold but I do want to buy insurance before he develops any other pre existing condition. He has environmental allergies but they are controlled with apoquel and Claritin.

I don’t really want to pay for something that covers everything. More accidents and illness, not total wellness. My work provides some discounts but only on the premium plans.

thanks for responding
 

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Discussion Starter #9
I am thinking Embrace because they do a medical record review after you sign up, by request. I don’t want any surprises
 

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I don't know how to save money for something separate, like pet treatment and caring, so for people like me, pet insurance is the best way out. I simply compared a few pet insurances on PetInsuranceFinder and chose HealthyPaws. When my dog had vomiting they covered 90% as was promised, so I can say that I`m quite happy with this pet insurance.
 

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best to buy it now I'm finding out the hard way with a random unexpected illness how awful vet bills can be. it can help offset costs and now that she's older they want $167 a month. that's insane
 
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