Anyone here have pet insurance?
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Thread: Anyone here have pet insurance?

  1. #1
    javasmom is offline Senior Member
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    DefaultAnyone here have pet insurance?

    And if so, if I may ask, what kind?
    I have looked at both PetPlan and Embrace....I am leaning towards PetPlan at the moment...does anyone have any experience with this plan?
    After Moka's accident I have decided that pet insurance would be a good investment to make. So far, we're at around $4800, out of pocket. If we had had pet insurance we would have only been out about $800. I know we'd still have to cover all the routine stuff (shots, exams, etc) but this would cover the majority of an emergency-which I realized, if another emergency like this (God forbid) were to happen again, we may be in a bit of financial trouble. It also wouldn't cover any of the remaining treatment for Moka, but still.....it seems like it makes alot of sense for us and the girls.

    Opinions or thoughts?

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  3. #2
    BauersMom's Avatar
    BauersMom is offline Senior Member
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    Bauer has a savings account that we pay into each month, and have since he came home. We would only use it for emergencies (thank God we have never had any), we do not use it for routine things (shots, exams, etc.). We decided to go this route because God-willing we never need it, the money is still there. Knowing how much my parents spend on their senior dog, we will also use it if his routine care gets too expensive as he ages. My SIL has insurance for her dogs, and found that the vet started charging more after she got insurance, and charging for things that they weren't charged for before.
    Debi and Bauer
    Some people are like slinkies. Not really good for much, but bring a smile to your face when pushed down the stairs.


  4. #3
    bbbbmom is offline Senior Member
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    I have VPI on most of my dogs. Full coverage for the puppy, limited for the others. I pretty much make at least half of my premium back if we just go once a year to the vet but if we have to go more than once, I make it all back.

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  6. #4
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    kaznalf is offline Senior Member
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    I do but Im in england, ours costs about $14 a month

  7. #5
    Neska74 is offline Senior Member
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    I have PetPlan for Saba (SecuriCan in Canada). I have to say I couldn't do without it. My coverage pays for 80% of my bills, up to $2,500.00 per condition per year. My coverage level does not cover routine shots, or the yearly check up. Never had an issue with them. It costs me almost $50.00 a month.

  8. #6
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    tismom is offline Senior Member
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    We've got pet insurance through ASPCA. As with Neska74,our insurance pays 80% of the cost after $100 deductable (over the year). With a puppy, it's bound to help!

    Titan--Chocolate 4/15/01
    Moses--Yellow 10/12/09

  9. #7
    Dexter Dogg is offline Senior Member
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    Quote Originally Posted by BauersMom View Post
    Bauer has a savings account that we pay into each month, and have since he came home. We decided to go this route because God-willing we never need it, the money is still there.
    We do exactly the same, for the same reason!

  10. #8
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    oakley is offline Senior Member
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    I have Securican with Oakley. Her bladder condition makes me glad I got it!
    I pay $17 a month.
    Last edited by oakley; 01-05-2010 at 12:47 PM.

  11. #9
    Bob Pr. is offline Senior Member
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    The following NYTimes article discusses pros & cons:

    http://www.nytimes.com/2009/10/03/garden/05puppy.html

    I don't have any for Puff. She gets all her vet care at Kansas State's CollVetMed and their prices are very reasonable



    Puff [YF, AKC field line (from competing HT/FT breeder) 62 lbs, dob: 8-'01]

    Bess [BF, AKC bench line (from competing show breeder) 55 lbs., 1967-1981] "Poor Bess, the Wonder Dog":
    http://forum.justlabradors.com/showt...?p=748#post748

  12. #10
    Wendy B. is offline Senior Member
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    No I don't either

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