Puppy Forum and Dog Forums banner
1 - 9 of 9 Posts

·
Registered
Joined
·
2,911 Posts
I have Healthy Paws. There's one main reason I have HP, even though it's the most expensive plan (for my particular dogs). And it's because they raise premiums at a yearly flat percentage instead of using the ambiguous 'based on dog's age' phrase that other companies use. HP premiums go up between 3-11% a year, with the average being in the 6.5% range. Mine went up 5% last year.

My issue with basing premiums 'on a dog's age' is that it means you can have a really bad year with a ton of claims, and then suddenly get hit with a 20% increase because your dog is 'a year older'. But that means you'll be locked into your plan at a ridiculous premium because switching to another company would mean having pre-existing conditions that weren't covered. No thank you.

I pay $63 per dog per month with HP (80% reimbursement, $500 annual deductible, no annual limit), and have filed numerous claims (some of them for thousands of dollars). They have been approved quickly and the checks have been in my mailbox in a very timely manner. The representatives are also friendly and very helpful.

To me, it's absolutely worth the money. My last dog cost me almost $12K over 3 months with a bone cancer diagnosis. I can't do something like that again. So with insurance, the only thing I have to worry about is the care my dog needs, and not how much that care costs.

Good luck, and if you have any more questions, ask! I did a ton of research before I signed my dogs up for HP, so I can probably help with whatever you may want to know.
 

·
Registered
Joined
·
2,456 Posts
I think it just depends on you and your dog. I looked into a couple of years ago and decided it wasn't worth it for two main reason:
1. My dogs are generally very healthy and have not had any issues so far (for certain breeds with known genetic health issues might be worth it)
2. I consider myself to be financially stable enough to be able to pay for any treatment my dogs might need. If one of my dogs were to be seriously injured or something I could pay for the vet bills (cash, credit, whatever). Will that suck? Yes. But IMO so does paying thousands of dollars for insurance I'm not using.

Not everyone is in the same position financially and not every dog is the same, so it's a personal decision based on your circumstances.
 

·
Registered
Joined
·
627 Posts
I had AKC Pet Insurance/Pet Partners on my Molly from 10wks to her current 16mths of age. I cancelled it this last month, July. I had it during the smallest puppy stage in case of breaking a bone, eating something getting stuck, etc. I was paying $53.58 per month for the basic coverage; it goes up from there if you add on addl coverages. There was also a $100 deductible and a cap of $8,000 per incident and an annual of $16,000; co-ins was 20%. There were addl coverages that could be added for ExamCare endt, InheritedPlus endt, DefenderPlus endt which included dental, preventive care; of course this would add to the premium cost. I did check to see if I was going to add them and it was about $120.00 a month. If interested I can PM you the contact info.
 

·
Registered
Joined
·
3,502 Posts
I got the PetPlan insurance after The Great Bacterial Infection of 2010. I've never had to use it until Bella's cancer and amputation this past March.

I signed up for the best "platinum" plan. I figured if something's going to happen that I need to use it, it will probably be bad....and it was.

The plan has unlimited annual coverage, a $400.00 deductible and they've covered 80% of everything....no questions asked. The monthly cost has risen steadily over the past 7 years...IIRC it started out at like $75.00/month and it's now up to $145.00/month. Still worth it. Big time. Like Hiraeth, I would have been paying well over $15k by now with the surgery and the chemo treatments, follow-up chest x-rays etc.

Definitely something I can now confidently recommend to pet owners.
 

·
Registered
Joined
·
1,416 Posts
I do agree that it depends on your financial situation, but I disagree that it depends on your dog. Having a dog that is mostly healthy all its life doesn't mean there won't be an accident or sudden onset of illness. A dog getting loose and hit by a car can quickly and easily cost upwards, or even over, $10k. Swallowing a sock can cost thousands, cancer happens even when the dog has been healthy for years, etc. Insurance will also cover minor things like ear infections, cuts, rashes, etc. which can still cost a couple hundred dollars a pop.

I have insurance for my dog. The way that I look at it is if I didn't have the insurance, I'd have to put away X amount each month into an emergency vet fund. Right now, my insurance is $35 a month, with a $100 deductible and it covers 90%, meaning a $10000 vet bill would become $1100, a much more easily affordable number. $35 x 12 = $420 - way, way less than I would be stashing away if I did not have insurance.

I'm a college student and I know that if something major were to happen, I would not be able to afford it. Having watched several dogs be put to sleep due to lack of funds throughout my childhood, I knew I never, ever wanted to put myself through that with my own dog. If I had upwards of $20k sitting in a bank account that was not designated for anything in particular, I might consider not having the insurance, but I can't say for sure that I would go without it even then.
 

·
Registered
Joined
·
2,456 Posts
I do agree that it depends on your financial situation, but I disagree that it depends on your dog. Having a dog that is mostly healthy all its life doesn't mean there won't be an accident or sudden onset of illness. A dog getting loose and hit by a car can quickly and easily cost upwards, or even over, $10k. Swallowing a sock can cost thousands, cancer happens even when the dog has been healthy for years, etc. Insurance will also cover minor things like ear infections, cuts, rashes, etc. which can still cost a couple hundred dollars a pop.
By depending on the dog I mean if you have a giant breed for instance and you KNOW there are going to be vet bills. Or like with an IG where you KNOW they're likely going to have dental issues, etc. If I got a dog with known health issues I'd be more likely to get insurance because I'd be more likely to use it. Accidents/illnesses can happen to any dog yes, but they're not a guarantee like other known health issues are. When we got Kane as a puppy the vet gave us a 30 day trial of pet insurance. He ended up having some stomach issues and was in to the vet a couple of times and had some tests done, etc. The insurance didn't cover any of it.
 

·
Registered
Joined
·
3,153 Posts
After I started working in a vet clinic, I realized what a great idea insurance was and signed my dog up. She was 4y/o at the time, but didn't have any preexisting conditions. She's now 10 and we've spent the last two years battling some mystery illness - specialists, surgeries, diagnostics, blood tests - I wouldn't have been able to do any of this without the insurance.

I use Trupanion. I think I'm paying about $57/month and it's 90% coverage, no limits and a per-incident (NOT per year) deductible of $250.
 

·
Registered
Joined
·
549 Posts
It would just be money thrown out of the window for us. Never had any issue with any of my dogs apart from one x ray that still cost less than 5 months of insurance. Plus honestly I can't see how we would be able to afford $1500 a year in insurance for 2 dogs AND still have to pay extra for deductibles. That's just insane.

If our dog had cancer, well, I hate to say this but we'd probably have to let them go... besides I would not want to make them go through chemo anyway just so that I can have a couple more years with them.
 
1 - 9 of 9 Posts
Top