Veterinary Pet Insurance
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| Hey! I have heavily researched the topic of Pet insurance for my two dogs, and have made the decision not to purchase. The premiums are high, the coverage complicated and it would be a better decision to put that same amount of money aisde in a savings account (where you get the interest) and have a rainy day fund for if your dog gets sick or injured. VPI quoted me 30.00/month per dog.... which can be good or bad. All of the comparison charts I have read seem to have shown me that it makes little difference, because of deductibles, limited or half coverage and things like that. I spent about a month deciding on this.... It wasnt easy, in the end we save money each month for pet care.
If it is really important for you to have this security feeling, go for it!! I am obsessed with making sure my pets are taken care of, and i finally learned how to keep money in the bank (before I would just blow it) so i works, but if you have a hard time keeping money in the bank without using it, defainetly look into all the different companies for pet insurance.... there are a lot of them! Liz |
| Shelly,
I have also gone back & forth as to whether or not Pet Insurance is worth it. I haven't made up my mind - but I'm leaning towards not getting it. I'll probably be sorry - but it is expensive. If your dog has been to the Vet for a problem before getting insurance - they often don't cover that illness/problem. My sister has it for her basset hound, Mosi. She bought it after she spent $4000+ on two surgeries to re-sect his intestines (he ate a toy and a rock when he was a puppy). Mosi's coverage won't cover anything that may be similar or related - but she thought she should go ahead and get it anyway. It seems to have paid off (for the first year anyway) - just on the preventative care - and on his neutering. She uses VPI. I recently heard from another OES owner (who has insurance) that they won't cover surgery or treatment for hip dysplasia either - it's a "genetic defect" and isn't covered by alot of plans. I wondered what other things they may also put in that category. So, be sure to look at the fine print!!! |
| Thanks alot for you thoughts! I have thought more about it, and I don't think I'll get it at this time. My vet is not too expensive, and the insurance really wouldn't pay for itself unless something major happened, and most likely would only cover a portion of it too. I will start adding more to my savings for Max! |
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