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.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.
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.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.