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Old 12-21-2012, 12:39 PM   #1 (permalink)
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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?

Thanks
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Old 12-21-2012, 12:50 PM   #2 (permalink)
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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
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Old 12-21-2012, 02:34 PM   #3 (permalink)
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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
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Old 12-21-2012, 03:02 PM   #4 (permalink)
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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.
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Old 12-21-2012, 04:16 PM   #5 (permalink)
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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.


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Old 12-21-2012, 06:07 PM   #6 (permalink)
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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
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Old 12-21-2012, 06:23 PM   #7 (permalink)
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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.
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Old 12-21-2012, 10:59 PM   #8 (permalink)
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I take my dogs to he Banfield pet hospital inside of Petsmart. They offer wellness plans that certainly have come in handy!


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Old 12-22-2012, 03:51 PM   #9 (permalink)
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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.
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Old 12-22-2012, 03:57 PM   #10 (permalink)
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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!!


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