Is Pet Insurance worth it?
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Thread: Is Pet Insurance worth it?

  1. #1
    SweetRuiN is offline Member
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    WinkIs Pet Insurance worth it?

    After our recent ordeal involving Cole and the delicious rope toy, we were strongly recommended by our Vet to consider some sort of Pet Insurance. Now, we'd never considered it before, not seriously; when I priced plans in St.Louis years ago, they weren't worth it (we also only had Cole back then).

    www.PetsBest.com was mentioned to me repeatedly (and I have a discount code) so I decided to look at their site and get a quote. With their basic plan, I would be paying $70/month to cover all four pets. According to the site, that's with an 80% general reimbursement, and this coverage:

    * Illnesses, accidents, and injuries
    * MRI, CAT Scans, and X-rays
    * Surgeries
    * Cancer treatments
    * Prescription medications
    * Visits to after-hours emergency vets
    * Visits to specialist vets, such as ophthalmologists, dermatologists and surgeons
    * Acupuncture
    * Chiropractic therapy
    * Hospitalization


    Now, Cole has seasonal allergies and Chloe seems to have constant allergy problems (I'm progressively convinced it's an immune deficency, which scares the crap out of me!). It would be nice if both of their seasonal/general allergy medicines were covered! Not to mention the after-hour visits!

    Is anyone familiar with this site, or have some advice?

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  3. #2
    rayluckgoo's Avatar
    rayluckgoo is offline Senior Member
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    I'm not familiar with that insurance but after an emergency splenectomy on Caleb and a horse in the hospital for 2 weeks all my reserves were shot (and debt higher than I was comfortable with) so I decided to go with insurance for the two younger dogs. It was easier to budget the money monthly than save it.

    The price of your insurance for 4 dogs with prescription meds sounds like a good deal. Ours is $27 for two dogs, no prescription meds and a $500 deductible. The rest is the same.

  4. #3
    Baloo317's Avatar
    Baloo317 is offline Senior Member
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    That actually sounds good compared to the insurance prices I've looked into over here.

    The one thing to be careful about is that they probably won't cover anything considered a "pre-existing condition", which means if you've sought treatment for anything in the past chances are it won't be covered in the future.
    Kate
    Baloo - 5 year old black lab
    Peanut - 7 year old minpin
    Monster - 3-ish year old frenchie/jack, rescue
    We're Superdogs!


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  6. #4
    BigBrownDog is offline Senior Member
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    Believe me - I wish I had signed up before Diesel was diagnosed with Diabetes.
    Sharon, Blaise and Diesel.

  7. #5
    rayluckgoo's Avatar
    rayluckgoo is offline Senior Member
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    That's true about the pre-existing conditions. Jackson had a gooky eye once and the vet wrote down "probably an allergy" and Jackson isn't covered for ANY allergic conditions now. I'm glad I got Ben's insurance before ANYTHING happened to him because he seems like he's going to be an itchy dog.

  8. #6
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    windycanyon is offline Senior Member
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    The gal I co-own a boy with has carried it on her Weims and Boxer for years and is a firm believer. It probably did pay for her when Sam got a cheat grass awn that abscessed last year. I've never really considered it but have been very lucky over the years. Other than a neck injury once that cost me $1500 or so, I've really had nothing that would have made it worth it in a given year. So I think it depends on your dogs and since mine are from my own breedings, I have a little more confidence w/ regard to immune and ortho issues esp. Anne

  9. #7
    Bob Pr. is offline Senior Member
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    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

  10. #8
    7daysaweek is offline Junior Member
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    I don't mean to get off topic but I'm about to be the proud owner of a new lab and I've already gotten toys... 2 of which are rope toys. You mentioned an ordeal involving a rope toy. Should I not let her have any rope toys or was the ordeal related to something unusual that happened?

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