I did have pet insurance with Chloe due to all her health issues but there were too many things they didn't cover. I cancelled it and I opened a savings account just for her and still put the 50 bucks away every month. We also have an credit card with care credit, it's like a regular credit card but can only be used at the dentist, eye dr, vets..stuff like that.
I have VPI for Lola. Last year I had the VPI Superior Plan + WellCare Core. I just renewed and dropped the WellCare Core because she'll only go in for shots once a year from now on. We paid $300 and something for the year, and definitely got all that back and more, but Lola was pretty sick as a puppy. This year with dropping the WellCare Core it was $274. I get it for peace of mind and pray I never have to use it. You can check it out for yourself at http://www.petinsurance.com Also, if Joe is registered with the AKC they offer a type of insurance too.
We've never had pet insurance. Knock on wood these 2 are extremely healthy. Probably should have had with our Sophie. She was a rescue and didn't start out life very well. Got her nursed back to health and lived 12 years.
We will be getting our pup in June. (Due to be born next week!) I looked through VPI's plans. For a "new" pup owner, it seems it would be a no brainer doesn't it? Since it appears that is would cover the vaccinations and spay/neutering. Atleast the first year of it would pay for itself plus some. (getting the VPI standard, and Wellcare Premier) Or am I missing something? Question is, since I would be taking the pup for a checkup within 48hours of getting it, do I need to start the policy before I even pickup the pup? Like a week or few days early?
Unfortunatly, you cant start the policy before you get your pup...and then once you do get him or her, and you do start it...it doesnt become effective for like 10 days or so.
So for Piper's first appointment (which was like 3 days after we got her)...we just had to eat the cost at the vet without getting reimbersed by VPI. It ended up being like $80.00 or so...but we got a check up, 2 shots, worm test, frontline and interceptor.
You could always make your first trip to the vet a bit cheaper but just getting her a check up when you first get her (which is around $30 or so) ..and then take her back a few days later (after your plan goes into effect) for the shots and the flea/tick and heartworm medicine.
Your breeder should be taking your pup for a final vet visit right before they turn the pup over to you anyway...
I got VPI for Allie with the cancer option. I had read stories about other dog owners that had to put out thousands of dollars and wish they had had insurance. So far it's been great. I'm also able to use it in all the coutnries we live as long as I have a Stateside address (thanks Mom!).