Pet Insurance
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Thread: Pet Insurance

  1. #1
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    Pet Insurance

    My husband and I lost our 6 year old Cocker Spaniel - Shadow in June. He developed a rare brain disease and was gone in 4 days. Needless to say it cost us a lot of money trying to find out what was the matter and unfortunately there was nothing anyone could do. The four days were spent doing one test after another. aftern another, etc. etc.

    So new puppy Buddy is here and we talked to the vet and decided this time we would make sure our precious little guy is covered by insurance. Just curious how many pet owners take out insurance.

    We called Shadow our 10 thousand dollar dog so that gives you an indication of how much we spent (and would do it all over again to have him back). :0(

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  3. #2
    Member harleynstorm's Avatar
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    I have never heard of insurance for a dog but if there is I bet it is real expensive. Sorry I'm not much help.

  4. #3
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    I have seen on petco.com or petsmart.com theya havea ........ pet insureance for 1 dollar for the first month and after that im not so surea..sorrys Hope i helped!!! but i have no puppy wuppy yet so yeah....
    If you stay strong u can never be weak! -Donnie.

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  6. #4
    Senior Member DOBERMAN_07's Avatar
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    I have VPI for my Dobie. Its ~$25 a month and they refund 80% of what the "national" average is on each disease.

  7. #5
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    every dog we adopt comes with 30 days insurance...and the new parents can decide to continue it if they want.
    Here is what we tell folks...our insurance ( Shelter Care) has different "packages" just like people insurance. whether it is worth it or not depends on where you live. People living in and near Chicago ( we are near chicago so I will use it as an example) find the insurance worth it. The vet care is fairly expensive and the policy pays for itself in just normal vet care savings. People living in rural areas south of us do not find it is worth it...the vet care is affordable enough the policy does not really pay for itself except for the major medical part if the dog were to end up with cancer or some other disaterous illness.
    one thing that we do suggest everyone get is the trama coverage. It covers you pet for X amount of dollars, depending on what level you choose, and is linked to the pets microchip...so if your pet were to get loose and God Forbid get hit by a car...or shot by a nieghbor like the little boy we have here now...when the chip is scanned and the info entered it comes up that your pet is insured and x amount of treatment is covered so the vet/shelter can begin immediate life saving care without having to contact you for approval.

    All three of the amputee dogs we have adopted would still have their limbs if they had this care option and it has saved two of our rescues lives already.

    you would have to examine the policy and compare it to your expenses and breed illness tendencies to know if it is worth it or not...
    "If you pick up a starving dog and make him prosperous, he will not bite you. This is the principal difference between a dog and a man."
    -Mark Twain
    - Pudd'nhead Wilson's Calendar

  8. #6
    Senior Member Tess&Coco's Avatar
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    Not sure if pet insurance is more prevalent in the UK but many companies offer it, including the RSPCA. I have insured Tess since we had her. The policy pays vet bills up to a maximum per annum or per ailment (different policies at different premiums offer different cover). My previous dog developed a lung tumour which took 6 expensive (and traumatic) months to kill her. I did not have insurance for her, and £4,000 in 6 months was crippling to us. Lesson learnt. I have been interested in DogAdvocat's postings of organisations which help with vet bills - I don't know if that sort of assistance exists in the UK.

    Tess's cover also has a third-party element in the event that she caused an injury accident on the road. It would pay out up to £1m. The premium we pay is pretty low considering the value of the cover. It costs us around £12 a month. I will add Coco to the policy (when I get round to it ) and there is usually a saving with having multiple pets on the same policy. The cover is the same. Hope you can find something equivalent in the US.

  9. #7
    Senior Member Tamara's Avatar
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    Wink

    Quote Originally Posted by Tess&Coco View Post
    . I have been interested in DogAdvocat's postings of organisations which help with vet bills - I don't know if that sort of assistance exists in the UK.
    .
    A couple I have heard of here in the UK:

    www.pdsa.org.uk

    www.bluecross.org.uk

  10. #8
    Senior Member Tess&Coco's Avatar
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    Quote Originally Posted by Tamara View Post
    A couple I have heard of here in the UK:

    www.pdsa.org.uk

    www.bluecross.org.uk
    Thanks, although presume with insurance I don't need these now. Just curious to know if they existed here!

  11. #9
    Senior Member Tamara's Avatar
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    Both of ours are insured by Petplan (I think it is only in the UK).
    We went with this one because it is a life long policy no matter what- some won't renew your policy if you claim too much or when your dog gets to a certain age (which seems idiotic since this is often when you need it most). each is covered for £5,000vet bills per year, have third liabilty coverage, and £1,000 lost/stolen.

  12. #10
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    I have heard of pet insurance but don't have it. I have never had any majior expenses for my dogs. I do know that it is expensive.

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