Pet insurance

[mjwcaster]

Any recommendations for pet medical insurance?
Experiences with actually using the insurance and getting a payout?
Our new coonhound/lab mix just cost us a fortune, ate a dish towel and got blocked up.

Thanks,
Matt


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[recumbent]

Ask your vet which one they like

[Tazman1602]

Ask your vet which one they like

^^^^^^^ THIS, our son has pet insurance on his bully, I scoffed when he told me that BUT, a few years later “Abbott” had some issues, cost him $2K but he had a check from the insurance for the full amount in two weeks….I had to eat crow….

Art

[mjwcaster]

Ask your vet which one they like

The simple things.
I meant to ask but got overwhelmed on my multiple vet visits.
My daughters first dog that’s considered hers. Kind of important that Stacey was ok.

She’s the neediest dog I’ve ever had, spastastic, easy to get mad at, impossible to stay mad at.
She’s probably the smartest dog we’ve ever had, just stubborn and prone to make bad choices. Sounds like us.

She’s a piece of work, but she’s family.

I guess I should call our vet and ask.
Thanks for the very simple yet extremely useful advice.


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[Rcmaveric]

Most vets have some form of insurance they partner with. I find my local vet and talk to them. I recommend it. Its saved me more than once. Even a Care Credit Card (credit card just for vet fees)is a good alternative. I have used the Care Credit card and Insurance plans. Insurance will save you money, but the Care credit card will allow you to get services and pay for them. Most vets here make you pay first.

Blew me away when i realized you cant get vet services without paying first. Wonder how many pets were taken home to die slowly and painfully because someone couldnt afford the bill.

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[GregLaROCHE]

I never had pet insurance except for what damage they might do. It makes sense though. My son has spent thousands on vet bills.

[lightman]

I've never priced pet insurance. We spent $600 for bladder surgery on a "free" cat years ago. She is right at 18 years old now and I would do it again. She has recently changed Her eating and potty habits with weight loss and we paid $175 for an office visit and blood test to find out that She needs Thyroid meds. They are actually pretty cheap.

[snowwolfe]

Most vets have some form of insurance they partner with. I find my local vet and talk to them. I recommend it. Its saved me more than once. Even a Care Credit Card (credit card just for vet fees)is a good alternative. I have used the Care Credit card and Insurance plans. Insurance will save you money, but the Care credit card will allow you to get services and pay for them. Most vets here make you pay first.

Blew me away when i realized you cant get vet services without paying first. Wonder how many pets were taken home to die slowly and painfully because someone couldnt afford the bill.

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Do you think a Veterinarian should take money out of their own pocket to take care of an animal if the owner doesnt have the cash to pay? I sure don't

[Wag]

Overpriced, in my never-to-be-humble opinion. If you pay $5,000 for pet insurance for two dogs in three years, would you have had that much in vet bills during that time? Or you could put the $5,000 in a savings account and pay if something goes south on you.

As always, it's a gamble, to be sure.

--Wag--

[mjwcaster]

Overpriced, in my never-to-be-humble opinion. If you pay $5,000 for pet insurance for two dogs in three years, would you have had that much in vet bills during that time? Or you could put the $5,000 in a savings account and pay if something goes south on you.

As always, it's a gamble, to be sure.

--Wag--

Not sure what plans you’ve looked at, I’m looking at $108 per year accident only, covers foreign object ingestion.
10k per year coverage, 90% payout $250 deductible.

What this plan would have paid on our recent vet bills would pay the premiums for my dogs lifetime with money leftover.

Biggest issue is this is reimbursement type coverage, you’ve got to have the money available right then.


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[foesgth]

Care Credit is not a bad option. You have to pay but most vets have a plan that gives you a year interest free. Next time you see one of the big insurance companies buildings,, you will understand, that insurance isn't the cheap way to go!

[Rcmaveric]

Do you think a Veterinarian should take money out of their own pocket to take care of an animal if the owner doesnt have the cash to pay? I sure don't

It just made me feel weird when my cat was dying of liver failure they wouldnt give her an IV unless i paid up front. My mother in Law happened to have the Care Credit Card so we paid for everything upfront. She was my buddy and supervisor. She didnt make it. But i tried.

If i walked into a hospital they would fix me up and bill me later. My cat walks into the hospital and doesnt get an IV till cash is in hand. Life is life and no matter who or what its still invaluable wrong to waste.

Guess it only hurts me because it was my cat and I loved her more than than the world. I valued her opinion more than peoples. I didnt care untill it was me and now i am biased.

I see your point but doesnt mean i like it. Pluss vets dont get the investments and funds like a people doctor would..

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[john.k]

Dunno about the US ,but here the pet medical insurance cant be renewed after the animal is 8 yr old.

[porthos]

had a friend that paid $9,000 for a operation on his dog. the vet suggested not to operate, that the chances were slim. but he and his wife said do it. dog died on the operating room table. they live outside phoenix az. so i think the same operation in a NORMAL area would cost much less. they had no insurance but could afford the bill

[bangerjim]

A friend would have spent over $75K on his two poodles if not for pet insurance! Hip replacements, diabetes, cancer, glaucoma, etc,

Well worth the investment.................if you love your pets. I personally am in favor of saying goodbye and getting a new one.

I have lost many beloved pets over the years.

Pets have a limited lifetime with us, but their memories live on forever with us.

banger

[Gator 45/70]

Do you think a Veterinarian should take money out of their own pocket to take care of an animal if the owner doesnt have the cash to pay? I sure don't

Well yeah since they are taxpayer funded and collect tuition fees from students like LSU in B.Rouge wanted 3500.00 just to shrink a tumor and 12/13K to cut off 1/2 of the dogs top muzzle.
Not to mention cancer on 1 of her mammary glands + spots on her liver that they couldn't I.D.
Regular vet, Nope he has bills like the rest of us.
Tax payer funded by the state, Heck yes they should have stepped up just for the learning experience.

[Bmi48219]

Wife has two Yorky-poodles. One’s 8, other is 4. The younger started favoring her left back leg at a year old. The vet thought pulled muscle / tendon. Second visit the x ray show bone deterioration at top of thigh bone. Surgery was successful. Pretty gruesome to me, they cut off top of the bone and the cartilage filled the gap. Her insurance ($250/year at the time) covered everything after we paid a $250 deductible. The total bill was near 3K.
Through the years we’ve been reimbursed/ covered for about $4,300 for the two dogs. Then again the insurance premium is up to $410 per dog now.
My adopted cocker-poo Lucy is 16 and never has been insured. In the 14 years I’ve had her, her medical treatments have averaged $350 / year. So for me it’s a wash.
The pet insurance company for wife’s dogs is ‘Fetch’ in case you want a comp quote.

[Jimmynostars]

Shop around the vet will have an interest in selling you a specific one. One cats insured the other's to scared to get himself in trouble, our dog is insured and being 2 working breeds x doesn't have automatic exclusions like other breeds. Eg hips n elbows for lab's, cheery eye for bull dogs or breathing/ airway for boxers n pugs. 30? a month is peace of mind, no subsidies like people for simple surgery. My boys are 6 n 2 they would take it hard if I had to give the pets the blunt end of a shovel...