What do you think about pet insurance?

I have an elderly dog and many books on aging dogs suggest I get pet insurance. After researching the cost of care for older dogs and other factors, I have come to agree with this suggestion. Can anyone tell me about their experiences with dog health insurance and pass on any tips they may have?

I like the idea of pet insurance. For me, my pets are my family, and just like my family they need medical care at times.

If one of my pets was diagnosed with diabetes, I would change his or her diet and give insulin shots if necessary. This can be very expensive and insurance would greatly help.

In my opinion more places should offer pet insurance.

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8 Responses to What do you think about pet insurance?

  1. Hey, You! Outta the gene pool! says:

    Just make sure that your vet accepts it, or see which ones they do.
    References :

  2. Trevor says:

    I like the idea of pet insurance. For me, my pets are my family, and just like my family they need medical care at times.

    If one of my pets was diagnosed with diabetes, I would change his or her diet and give insulin shots if necessary. This can be very expensive and insurance would greatly help.

    In my opinion more places should offer pet insurance.
    References :

  3. Corgi Lady says:

    If your dog is a purebred, make sure they will cover what they call "breed specific hereditary conditions", which is basically any condition even one dog in that breed has ever gotten. If your dog is a mutt they will cover anything, even if it is hereditary, but if it’s a recognized breed some companies won’t cover alot of things unless you buy an add-on "breed specific" policy.
    And remember that most insurance is transparent to vets, meaning that the company only reimburses your expenses or a portion of expenses, you still have to pay up front.
    References :

  4. Silver says:

    My husky mix has pet insurance, and I think it’s very important, especially since he had heartworms a couple years ago. I agree with the first three people. What if something really bad happens, like he/she gets really sick, and the cure is incredibly expensive. Insurance would be helpful. Although me, I would sell my house if I had to so I could pay for my dog. But I consider animals to be family, so… Yeah.
    References :

  5. Bonzie12 says:

    I had it and found it to be a waste of my money. they wouldn’t pay for any of my office visits, even though they were suppose to pay for two a year, they only pay up to $50 for flea and tick medication which isn’t very much, they charge $50 to $100 deductible per visit, etc. etc. What you should do is just put a specific amount of money back in a separate fund every pay day to pay for any pet expenses you may encounter in the future. The insurance will also not pay for existing problems, and on an older dog, they will find everything and anything that was treated before and say it was an existing problem. If you do decide to get it, call and talk with the insurance company first and ask them tons of questions before you agree to buy. Also shop for insurance rather then taking the first one that sounds good.
    References :

  6. Hawlay D says:

    We have pet insurance for our one and a half year old mini dachshund / schnauzer mix we adopted. This was provided by the animal rescue we adopted him from. Coincidentally, a few days after we got him in december ’08, he got parvovirus. Thank goodness, he survived, and got almost $500 of treatment for little cost because of the insurance. Hope this helps. :D
    References :

  7. Silver Moon says:

    If your dog has any pre-existing conditions then the insurance will not cover it. Plus the insurance will be expensive since your dog is elderly. Insurances boost the cost because they know elderly dogs get sick and hurt easily.
    Your other option is to just put away a certain amount of money each month in a savings account or a piggy bank. Keep a credit card or two on hand just for dog emergencies. And have Care Credit lined up just in case you need it. Sometimes Care Credit has specials where if you can pay off the balance in a few months then there is no interest.

    In my situation it is easier for me to just put away a certain amount each month or just keep a credit card and care credit just for the dogs.
    References :

  8. Single Worker 1230 says:

    Most pet insurance companies will not insure dogs over 7 years old. The few that do charge high premiums. If you find a policy that you like, make sure that you read the fine print which actually tells you when the coverage starts, what the policy covers, preexisting conditions, etc. Go on the Internet and check ratings. Some of these companies are pretty close to scams, others are quite good. I work for a vet and deal with some of these companies so I have seen both sides.
    References :
    http://www.petinsurancereview.com/dog.asp

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