Pet insurance

United States
June 25, 2007 2:49pm CST
I was wondering what you thought of pet insurance. I don't have it, but was thinking that it might be a good thing, as vets charge so much money. Do you have it? Who is the best company? Any help is appreciated. God bless ya all. M&M
6 people like this
21 responses
@castleghost (1304)
• United States
25 Jun 07
This past year we adopted a dog from the local Humane Society. In some of the paperwork that we got from there we were offered pet insurance on our new dog. We went ahead an order it for each of our dogs. I think that it is the best way to go. I won't tell you that it has paid for itself yet but we do get a discount on their shots and check ups. I feel better having the insurance in case one of the dogs need surgery or something. If I was you I would check with with my local vets or Humane Society to ask if they could recommend pet insurance.
2 people like this
• United States
29 Jun 07
Thank you for the advise, will do it.
• United States
25 Jun 07
I think its a good deal if you get it when you get a puppy or kitten or if your getting an older dog unless you live in a place your dog may be prone to injuries like a a farm or bigger city but for a house dog I dont feel it pays off
2 people like this
@aprilgrl (4460)
• United States
25 Jun 07
I was going to get one for my dog and cats years ago but couldn't find one and then I found it here online somewhere. I think it will be good to have one and it will help out the cost. Hope that you get some information about it and good luck.
2 people like this
@TerryZ (22082)
• United States
25 Jun 07
I dont have it either but Ive been thinking about it. Just this weekend I was talking to someone about pet insurance. They have a dog that has hip dysplasa. So I suggested that they get pet insurance and they said they couldnt because it was a pre existing illness. Its just our health insurance. But yes I think it would be worth getting but I dont where to start looking.LOL
@villageanne (8554)
• United States
25 Jun 07
We take very good care of our pets. We see that they get their injections on time and all the care they need. Vet can be expensive and we have found that out first handed but the pet insurances we checked on were just too expensive. I dont know anyone that has pet insurance.
2 people like this
@5000ml (1923)
• Belgium
25 Jun 07
I've always known about it, but people over here generally don't have any pet insurance and neither do we. It's silly as it would definitely help with vet bills, but we just tend to save money in case of emergency vet bills. Same goes for my parents and inlaws.
@Aurone (4757)
• United States
25 Jun 07
I didn't know there was such a thing. But it sounds like a good idea. I would be interested in any information people had about pet insurance as well.
2 people like this
@totty1969 (1473)
• United States
27 Jun 07
Hello Margieanne, I have pet insurance on all my dogs, I got it from my.petinsurance.com. It covers shots and stuff like that. I think it is a good idea to cover my pets, just like my children, if they get sick, they are covered. Peace, Totty
1 person likes this
• United States
29 Jun 07
Thanks for the link Totty. Appreciate it.
• Australia
29 Jun 07
There was a time when I considered taking out insurance for my pets, particularly my cats. But when we did the math, we were better off with just paying the vet bills as they came up.
29 Jun 07
We have Kai on Petplan. Tara is on Pinnacle (?), not sure on hers. The one that Tara is on gives us a voucher every year so we get her shots for free. We couldn't change plans for Kai as he is too old. I'm not sure what insurance is available in the States though. We would be lost without it.
@Calais (10898)
• Australia
27 Jun 07
It probably is a good idea, but I have never taken it out, all my pets are healthy and the cats are indoor cats, they get their regular checkups anyway, I always have money put away for emergencies anyway.
1 person likes this
@moudas (259)
• India
27 Jun 07
To be competitive and give you more choices, each pet insurance company offers slightly different plans. And that's the single biggest reason that you need to carefully compare the options to make an educated decision. Choosing a higher deductible will lower your monthly premium, but means your out-of-pocket will be higher each time your pet requires medical treatment. Choosing a lower deductible will increase your monthly premium, but means your out-of-pocket costs will be lower. Also, is there a penalty for changing plans and deductibles? You should be able to make those changes to maintain your pet's coverage in times of financial hardship.
1 person likes this
@sandie61 (2359)
• United States
26 Jun 07
I sure wish we would have bought pet insurance. my shih-tzu has epilepsy and my cairn terrier has a bum leg. the pain medication alone for his bad leg is 28 dollars every 2 weeks. he should have surgery but that is 1200-1400 dollars. then my shih-tzu`s medicine is 26 dollars for potassium bromide and 13 dollar for her pheno. ouch! we are paying so much. but even if we got pet insurance now it would not cover their pre existing conditions. I know at our vets office they have brochures there on pet insurance. the next time you are there check into it. I`m sure they have info on it too. good luck!
1 person likes this
• United States
26 Jun 07
I don't have pet insurance but i am looking into it. I saw a thing on the news about it. I think it said something like pet parents across the country spend almost 2 hundred million on pet insurance.
@usmcsgtwife (4997)
• United States
26 Jun 07
we just got a puppy and my husband thought about getting it, but we found a vet that charges 39.00 for a office visit and all the shots are free, we also get a 10% military discount,
1 person likes this
• United States
26 Jun 07
I looked at it once and it was very expensive and there were so many things, shots check ups, general health problems, etc. that are not covered. I suppose if your pet had a bad accident it might be worth it but I'd rather take my chances that my vet would give me a break and let me pay off any unexpected bills.
1 person likes this
@Willowlady (10665)
• United States
26 Jun 07
I have heard of it and have not taken it for my pets. My pets are rarely ill and they are good animals. The way we feed them and the fresh air that they have we have never needed it. Veterinarians are alot like doctors now and I don't trust doctors for sure. Good luck with this insurance.
1 person likes this
• United States
26 Jun 07
I can't even afford insurance for me and the hubby! I will have to scrimp and save for the occasional visit to the vets. Hopefully none of us will require medical attention!
1 person likes this
@Lydia1901 (16353)
• United States
26 Jun 07
Well, I never have thought much about this before. I guess it's because we don't take our cat to the vet as much unless she needs shots and they don't usually cause that much at all.
1 person likes this
• United States
5 Jul 07
Margie-- Rain has insurance through a company caled VPI. we got it for her when she was 4 months old and it costs me $17 a month. There is a $50 deductible and the coverage for routine stuff is mediocre, but it paid for her spaying and is there in case of any real emergencies. It also means I don't think twice about taking her to the vet if she gets sick. Hope you find something good for your kitties.