Pet insurance? Is it really worth it? - Boxer Forum : Boxer Breed Dog Forums
Boxer Forum : Boxer Breed Dog Forums
Go Back   Boxer Forum : Boxer Breed Dog Forums > Keep Your Dog Healthy > Health concerns is the premier Boxer Forum on the internet. Registered Users do not see the above ads.
LinkBack Thread Tools
Old 12-21-2012, 01:39 PM   #1 (permalink)
New User
Join Date: Oct 2012
Posts: 19
Default Pet insurance? Is it really worth it?

Hello, I will be a new dog owner in 2 months. I am buying a puppy from a health tested reputable breader and was wondering if it is worth having pet insurance? If so, which one do u recommend?

Integrajoe is offline   Reply With Quote
Sponsored Links
Old 12-21-2012, 01:50 PM   #2 (permalink)
Super Moderator
GoudasMom's Avatar
Join Date: May 2011
Location: Duncan Oklahoma
Posts: 2,430

That depends ..... Some people get pet insurance while others just set aside a certain amount a month and place it into a savings account for the pet in case of emergencies etc. Its totally up to you.

Me personally..I cant save $$ worth a flip so pet insurance is a better option for me lol
Gouda 9/6/01 - 7/19/12

Sue - Mom to Kippah rescued 8/19/12 and Loki
Visit My Blog and read more about herbal and holistic healing
GoudasMom is offline   Reply With Quote
Old 12-21-2012, 03:34 PM   #3 (permalink)
Super Moderator
2manydogs's Avatar
Join Date: Aug 2008
Location: Kawartha Lakes, Ontario
Posts: 6,239

I always recommend Pet Insurance. Thats great that you have done your research and found a reputable breeder

Its great to put money away each month but what if something happens within the first year? Such as a broken leg or injury that requires surgery? The average person cannot put enough aside to cover those costs in a 12 mth period. An ACL tear alone will cost approx. $3500-4000 to repair, so unless you are willing to put away at least $250-300 month into a medical fund, I would recommend insurance at approx. $70 month. If you can put that much off to the side for the first year then I would recommend that route. Then you can decrease the amount you put in in the following years.

Trupanion is a great company to look into, they have on of the highest payout per incident than any other company. I believe its $20K

Congrats on your new puppy Can't wait to see pictures
Kari ~ Keeper, servant and mommy to the following crew

**Proudly Raw fed since 2009**

Last edited by 2manydogs; 12-21-2012 at 03:36 PM.
2manydogs is offline   Reply With Quote
Old 12-21-2012, 04:02 PM   #4 (permalink)
Intermediate User
CruzControl's Avatar
Join Date: Dec 2012
Posts: 77

Totally depends. I had one dog (Spynxz - Toy Poodle) who live a very happy and healthy 18 years. We had insurance for her and she probably used it less than a handful of times her whole life. Which is GREAT.. but the Insurance never paid of. On the other hand we rescued a Bichon at the estimated age of 6-9years who had A LOT of health issues & the insurance paid off.
The thing is you never know. My theory is, better safe than sorry. Just make sure you do your research as to what the packages cover.

Shannon aka Cruz's mom.
CruzControl is offline   Reply With Quote
Old 12-21-2012, 05:16 PM   #5 (permalink)
Power User
NikkiL's Avatar
Join Date: Aug 2012
Posts: 690

I've never had pet insurance and then something happens and the ins doesn't cover that anymore if you get it. I'm not sure what all is covered but I've paid $2000+ on tests for one of my dogs and she died before we finished running test. I took her in for one thing and had blood work that was way out of whack. Every test they ran showed something else wrong. The. I had dogs get into advil $4000 later! My credit card companies are loving me now because I didn't get per ins.

Sent from my iPhone using Free App
NikkiL is offline   Reply With Quote
Old 12-21-2012, 07:07 PM   #6 (permalink)
Power User
Tracilee014's Avatar
Join Date: Sep 2012
Location: White Bluff Tn.
Posts: 510

I personally think pet insurance is a wonderful thing to have. Most good ones include yearly or even bi-yearly check ups along with shots and updates etc. If it's already paid for, you're more likely to use it
Tracilee014 is offline   Reply With Quote
Old 12-21-2012, 07:23 PM   #7 (permalink)
Power User
Brian131's Avatar
Join Date: Mar 2010
Location: Rockdale County, GA
Posts: 459

I always recommend either Trupanion or Petplan and no other. The reason being is those two are the only ones that won't treat a condition in one calendar year as a "pre-existing condition" the next. For example, all other companies, at least when I did my research, will treat a condition that was diagnosed in 2011 (such as diabetes, for example) for all of 2011 but will stop paying for it in 2012. It makes no sense but that was the conclusive result of my research when I was searching for a company. To my knowledge, the two that I mentioned are the only two that don't do that.

Brian131 is offline   Reply With Quote
Old 12-21-2012, 11:59 PM   #8 (permalink)
Intermediate User
rebeccaleigh423's Avatar
Join Date: Dec 2012
Posts: 27

I take my dogs to he Banfield pet hospital inside of Petsmart. They offer wellness plans that certainly have come in handy!

Sent from my iPhone using Free App
rebeccaleigh423 is offline   Reply With Quote
Old 12-22-2012, 04:51 PM   #9 (permalink)
Super User
jessmke's Avatar
Join Date: Jan 2011
Location: Bragg Creek, AB
Posts: 1,411

I will never have a pet without having pet insurance. In the four years I had my golden retriever he costed me $20 000 (knees, hips, skin conditions and eventually cancer). There's no way I would have been able to save enough money to cover those costs in the short time that I had him. I've had Aspen for 2 years now and our insurance has paid us almost $8000 in that time, mostly for her broken leg and for a knee injury. It is so nice to never have to make a decision based on finances, I can make my medical decisions based on what's best for the dog and not based on how much money is in my bank account.
Mom to Aspen

jessmke is offline   Reply With Quote
Old 12-22-2012, 04:57 PM   #10 (permalink)
Advanced User
dawnybabe's Avatar
Join Date: Jun 2011
Location: Calgary, Alberta
Posts: 982

Agree Pet insurance is best thing to have especially for those accidents unexpected.. You never know!
We've had to use ours a few times and it makes a difference getting money back for helping your dog get better
For what it costs a month to have it Well worth it if you have more than one dog you bundle them together and get a better rate!!

Sent from my iPhone using Free App

dawnybabe is offline   Reply With Quote
Sponsored Links

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

All times are GMT -4. The time now is 03:03 PM.

Powered by vBulletin® Copyright ©2000 - 2015, Jelsoft Enterprises Ltd.
Content Relevant URLs by vBSEO 3.3.2
Basset Hound Forum Doberman Forum Golden Retriever Forum Beagle Forum
Boxer Forum Dog Forum Pit Bull Forum Poodle Forum
Bulldog Forum Fish Forum Havanese Forum Maltese Forum
Cat Forum German Shepherd Forum Labradoodle Forum Yorkie Forum Hedgehog Forum
Chihuahua Forum Retriever Breeds Cichlid Forum Dart Frog Forum Mice Breeder Forum