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Pet insurance

Discussion in 'Dog Health' started by Ladyferoz, Mar 24, 2016.

  1. Ladyferoz

    Ladyferoz Member

    I strongly recommend pet insurance for a healthy puppy or dog. There are many good pet insurance companies out there especially in the US and the UK. If you are from another country and cannot find any, I recommend that you put money away in a savings account each month in the case of emergencies.
    Do your research first before signing up with an insurance company.
  2. pwarbi

    pwarbi New Member

    A few years ago when we first started owning dogs, we didn't used to worry about pet insurance, but we ended up paying a lot when the dog we had at the time became sick. Ever since then we gave taken out a policy on the dogs.

    It only works out around £8 a month and while people might say it's a lot to pay if you end up not needing it, trust me, it's better than not having it but then end up needing it as some of the vets fees can be astronomical for operating on a dog.
    Ladyferoz likes this.
  3. Fueledbycaffeine

    Fueledbycaffeine New Member

    I might look into this actually, thanks a lot. I haven't worried about insurance for my pet at all, since he's been very healthy for two years straight. I'm not sure I can find a good one in my country, but I'll look into it. What's the coverage like?
    pwarbi likes this.
  4. PenguinManiac

    PenguinManiac New Member

    I didn't even know they existed, but having one sounds like a great idea. Expenses would be regained in a fairly short time, considering how much some operations can cost.
    However, I'm wondering if insurance also covers vaccination costs (I don't think it does, but it's the first time I hear about this, so I'm not really knowledgeable).
    Ladyferoz likes this.
  5. KaseyHopeMartin

    KaseyHopeMartin New Member

    It's just like having insurance on your child, or yourself. Doctor and ER bills can be astronomical, and while Vet visits don't usually amount of to five thousand dollars, Vet emergencies can cost quite a bit. I had a Staffy once who needed emergency after hours surgery on his leg, or he would have bled out and died. The bill itself was six hundred dollars! If we had had pet insurance I am sure it would have been a lot less. So I agree, having pet insurance is a really good idea! Anything can happen at any time, your dog could get lose, get caught by another dog, get hit by a car, get bitten by a bug that has a disease, run along a strand of flu or parvo. Anything could happen! And these bills can be extremely pricey! Do look into it guys! A really good site in order to help you get started with some really good pet insurance is the following link: http://www.consumersadvocate.org/pet-insurance/best-pet-insurance
    Ladyferoz likes this.
  6. Ladyferoz

    Ladyferoz Member

    It really depends on the insurance company and package you receive. Some insurance clauses may exclude certain breeds for example because they are prone to getting ill or charge extra. If you cannot find a reasonably priced plan in your country then a savings plan is the best way for you to go, you will have the peace of mind knowing that your pet will be treated should it encounter any problems in the future. Best of luck!
  7. Ladyferoz

    Ladyferoz Member

    In some cases, the insurance company may cover costs of vaccines, it really depends on who you choose. It is also unlikely because insurance plans cover the big stuff like surgery. What you are looking for in that regard is a wellness plan. Wellness plans typically cover neutering, nail trims, vaccines and deworming treatments.
  8. PenguinManiac

    PenguinManiac New Member

    That's the first time I hear about wellness plans and insurances for pets, I feel like a fish out of water! Do you, by any chance, know if such plans are also available outside of the US? As a European, I hardly ever hear about private insurances.
  9. IcyFirefly

    IcyFirefly Member

    Yes, I agree that having health insurance for your pet is a good thing. My dog has one and it covered all his shots, his visit to the vet, and if something happened it won't cost us an arm and a leg for it. I rather paid a little bit a month than having to shell out a large amount which sometimes is impossible in my situation.
  10. pwarbi

    pwarbi New Member

    I think a lot is going to depend on what country your in as different companies will have different rules I'm guessing, so what I say from a UK point of view might not be relevant you and where you live.

    Over here we can get different policies, some that cover just basic checkups and boosters for the vaccinations to full coverage that will pay for any major surgery your dog may require, so depending on what you need and how much you want to spend, it's definitely worth looking in to and shopping around.
  11. remnant

    remnant Member

    Where I come from, pet insurance is the exception rather than the norm. Some people are irresponsible pet owners and there is need to educate them on humane handling of dogs. Some dogs have to be rescued to shelters from cruel owners. It is however prudent to have one especially if one committed a tidy sum to acquire the pet. K9 dogs as well as other security dogs like sniffer dogs should be insured as they are exposed to security risks. Pets are family members and including them in an insurance plan is a part of integration.

    MUTTLIFE Member

    Yes, I have a pet insurance covered. Not so great but better than nothing i guess. The costs of vaccines are affordable but I have put those insurances under good use with them.
  13. Corzhens

    Corzhens Member

    We don't have that kind of insurance here but if we do, surely I would take the most expensive for our dogs. Never did I mind the expenses for our dogs. Even the grooming which costs $10, it didn't matter if I would bring our dogs to the salon twice a month. With the health, I would bring our dog to the vet clinic at the first sign of problem. In fact, the vet came last Saturday to check on the rashes of Pipoy whose tummy had so many red marks. The vet said it might be an allergy to dust (Pipoy is allergic to chicken and we do not give him chicken anymore). Until now, Pipoy is still under observation.

    I wonder when the insurance companies in the Philippines would innovate on those pet insurance.
  14. remnant

    remnant Member

    I have not heard of dog insurance in my country. But it is a worthwhile venture if the dog cost a premium. Another situation would be if the dog is exposed to many dangers especially in tough neighbourhoods. This may sound callous and I have to admit that I am an equal opportunity type of personality and if there is a dog insurance policy, I would gladly take it for sentimental reasons.
  15. Lisa Davis

    Lisa Davis Member

    My dad has a fairly comfortable savings account so I don't think he's ever considered purchasing pet insurance, even though it is available where we live in the United States. However, I know several owners that have had to put dogs down because of accidents or illnesses that they couldn't even afford to attempt to treat. Surgeries can be thousands of dollars and can save a pets life sometimes, with no further complications, but a lower income family may not have that money to shell out at a moment's notice. A lot of people always argue the point with me that if you can't afford a dog, you shouldn't have one. I agree with that to an extent, but if you can afford basic vet care, vaccinations, shelter, food, and time and love, I think that there's nothing wrong with a lower income family having a pet. They are great companions for children and adults.
  16. Kevin Couture

    Kevin Couture New Member

    I definitely agree, most insurance companies don’t cover pre existing conditions so having pet insurance is a great idea to get when your dog is just puppy. Also if you’re in a similar situation like me and don’t have the extra savings to put aside every month, pet insurance is almost heaven sent. I don’t know how likely it would be that I could pay a $3,000 vet bill all of a sudden tomorrow if something happened to our pup and I’d hate to be the one deciding whether or not he could get the treatment he needed just because of financial issues. Even if I didn’t have to use his insurance that month, I could at least have some peace of mind knowing that he’s covered. But after having some experiences at the vet, I can suggest some materials that can be useful for those who want to insure their pets. Just talk to your doggy health care provider for what’s best for your area. They kind of give you a general idea about some companies out there and how insurance companies work. I’ll add them below

    Also if you have multiple pets, I believe Healthy Paws and Embrace, both offer discounts for signing up your pets all at once and Healthy Paws offers five additional discounts for AAA, AARP, Military, Microchipping and being an animal welfare. You can probably find some review and coupon sites that offer promo codes and that could be added savings but I’m not sure if you can combine a coupon code with other discounts. We went with Pet Plan though because a substantial amount of their earnings go to dog rescues and animal shelters!


  17. Joel7050

    Joel7050 New Member

    In my country, Singapore, pet insurance isn't really a thing and veterinarians aren't very common. So far my dog hasn't had any major incidents so I don't actually have pet insurance for my dog. Do you think this is a bad idea?
  18. PetLover

    PetLover New Member

    I am just thinking of getting this for a dog I rescued, but currently it wont even calm down to come with me anywhere, I guess its just sacred. I looked up a few programs online, but most of them do not cover any kind of surgery.

    I do not know about other countries but in my country a surgery by a vet can easily set you back by at least 1k$. So my question is, are all policies such that they do not cover any surgery? Should I opt for one of these or look further to find the one which covers surgeries?

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