Boxer Breed Dog Forums banner

1 - 12 of 12 Posts

·
Registered
Joined
·
1 Posts
Discussion Starter #1
I recently discovered that there is Pet Health Care Insurance can someone give me a little more info on this? Also can you recommend any? What monthly payment are you looking at for a dog?
 

·
Registered
Joined
·
3,819 Posts
There are many different pet health care insurances out there. Depends where you live too, in the USA or Canada or ? I can't recommend one in particular but I'm sure you will hear from others soon.
 

·
Registered
Joined
·
13 Posts
After my second boxer I knew I had to have pet insurance! It is a good thing I did!! Our poor boy has had so many health issues and I have been covered 80% for all treatments and medications and testings.
Without it I would have spent close to 10K already...

I have Pet Insurance through PetLine Insurance from Winnipeg, MB in Canada (not sure where you live). I think they were formerly known as Western Pet Insurance.

there are 4 different levels you can choose from. I chose the top one and it has paid off. I do pay a monthly payment and each renewal year you have your year deductible.

Like I say, for us personally it paid off BIG time because of the crazy amount of health issues for our boy. Now, had it been our first boxer...he next to never had any issues until he was a senior so we didn't have it.
Our second boxer had extreme health issues too but she had a pre-existing condition so we couldn't get insurance for her.

They can't have a pre-existing condition.

I recommend it. You can always cancel it if you find you don't need it.

Initially we paid $112 a month, but after Nash turned 5 our premium went up to $500 a year and $138 a month.
 

·
Registered
Joined
·
13 Posts
After my second boxer I knew I had to have pet insurance! It is a good thing I did!! Our poor boy has had so many health issues and I have been covered 80% for all treatments and medications and testings.
Without it I would have spent close to 10K already...

I have Pet Insurance through PetLine Insurance from Winnipeg, MB in Canada (not sure where you live). I think they were formerly known as Western Pet Insurance.

there are 4 different levels you can choose from. I chose the top one and it has paid off. I do pay a monthly payment and each renewal year you have your year deductible.

Like I say, for us personally it paid off BIG time because of the crazy amount of health issues for our boy. Now, had it been our first boxer...he next to never had any issues until he was a senior so we didn't have it.
Our second boxer had extreme health issues too but she had a pre-existing condition so we couldn't get insurance for her.

They can't have a pre-existing condition.

I recommend it. You can always cancel it if you find you don't need it.

Initially we paid $112 a month, but after Nash turned 5 our premium went up to $500 a year and $138 a month.
I have two weeks left before the 30 day free trial ends. Had several pets, insurance never came up until this pup when vet signed me up for a free trial period (the hook). well I read the fine print, looked at the premiums of this and others. At 100-150 per month Canadian . $1200 to 1800 yearly I find it too expensive.
Now I ask you if you did the number crunching. You have been paying into it for 5 years, have had issues and they were covered 80%. you pay an annual deductible and 20%. regular vet visits, the routine stuff was not covered.
What you have describe may be the exception, once you have the insurance do you look back and see if the end cost is still justified.
As before I will take my chances without.
 

·
Registered
Joined
·
631 Posts
If you haven't, check this site for other threads on this. There are other options and providers- and personal feedback from memebers you may find helpful.
 

·
Registered
Joined
·
207 Posts
We have Trupanion for Satchel and are very happy with it. The plan I have pays 90% after deductible is met for the illness or injury being treated. The deductible is one time fee per injury/illness. We had VPI originally but were very disappointed with the coverage.
 

·
Registered
Joined
·
13 Posts
I have two weeks left before the 30 day free trial ends. Had several pets, insurance never came up until this pup when vet signed me up for a free trial period (the hook). well I read the fine print, looked at the premiums of this and others. At 100-150 per month Canadian . $1200 to 1800 yearly I find it too expensive.
Now I ask you if you did the number crunching. You have been paying into it for 5 years, have had issues and they were covered 80%. you pay an annual deductible and 20%. regular vet visits, the routine stuff was not covered.
What you have describe may be the exception, once you have the insurance do you look back and see if the end cost is still justified.
As before I will take my chances without.
Due to the crazy amount of health issues that Nash has had, we have spent THOUSANDS of dollars on his health care and testings and such. His coverage, for our situation, was MORE than beneficial. ALL of Nash's pet care has been covered, and he even has coverage for naturopathic care. His regular vets visits have been covered, medications (allergy serums, various medications for infections, etc) have been covered, Ecocardiogram (he had a heart murmur as a pup after coverage...phew! This developed in to learning that all four of his heart valves have a leak in each!!), neutering, allergy panel testing, xrays, ultrasound...everything has been covered.
Granted we did have one period during his allergy issues where we were taken down to 60% coverage for one year until they saw that his expenses had dropped, and then we were right back to 80%.

Now, do keep in mind, Nash has been plagued with health issues, so for our personal circumstances, I could not have imagined going through all this without the coverage. Any pay back has been a great help!

His dental cleanings and work would have been covered too, however, we have never had his teeth cleaned as he hasn't needed it.

Some people may never need the use of coverage and can cancel it at any time, but for us...it has saved us LARGE amounts of money.
 

·
Registered
Joined
·
131 Posts
I have pet insurance too. It really is peace of mind. It’s expensive but so are other types of insurance. I bought it when I got my pup nearly 2 years ago and thank god I did. Recently he got really ill and needed surgery to remove a blockage. It took days to figure out what was wrong with him and all said and done it was over $5,000. I bought the cheapest one so they’re not covering the entire balance but they are paying a good chunk. I’m upgrading it to the most coverage possible during renewal in a couple of months for both him and my Cat.

It’s nice to know that if anything happens money is not an issue, we can get him better.
 

·
Registered
Joined
·
5 Posts
Hello!
I work for a veterinary clinic. Pet insurance involves you paying us first and being reimbursed by them later. Our clients have wildly different experiences with this. I've had someone receive thousands back, and they were delighted. The point being, you need the money upfront, so save. Research by review, and learn more before you pick one.
 

·
Registered
Joined
·
2 Posts
We created a website called Breezy where we get quotes from all major pet insurance providers for you to compare on one page!

https://sobreezy.com/

1. We don't ask for emails or phone numbers, so no spams.
2. We show you the quotes from different providers on one page for you to compare.
3. We ask for your preference. For example, if you're looking for a cheaper quote, we'll only show you the cheapest quotes from each insurance provider.
4. We have a calculator on our website so you know how much you'll be covered under each policy.

I hope you find this useful. And please feel free to share your feedback with us!
 

·
Premium Member
Joined
·
50 Posts
I considered pet insurance way back in 2002 when I got my Doberman pup.

There were several options with varying costs but after discussing it with my vet she actually recommended that since my dog was guaranteed by the breeder for 2 years against all the major health problems Dobermans face I should just open a new bank account and deposit $80-$100 per month.
The thinking was that I would have money saved up for emergencies but in the end I would still have the $ if it wasn't needed. Going the insurance route gives peace of mind yes but it also costs around $1000 to $2000 per year which can be up to $20,000 when your dog lives to 10 or 11+years.

Had I gotten a rescue I absolutely would have considered the pet insurance but since my dog came from a breeder who did tons of health testing and pedigree background checks plus offered a 2 year health guarantee I felt safe enough with the savings account.

As it turns out my Doberman never had any medical issues. I kept the saving account going when I rescued my Boxer in 2008 and it was there to pay for all the testing and treatments for his ongoing ear infections.

As an added bonus I now have a good nest egg in that savings account to cover the cost of my new Boxer puppy from a top quality breeder plus the costs for all his training classes, competitions and seminars.

Just thought I'd pass that along
 
1 - 12 of 12 Posts
Top