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Pet insurance, Yea or nea? Recommendations?

Posted on 4/10/22 at 1:14 pm
Posted by prplhze2000
Parts Unknown
Member since Jan 2007
51619 posts
Posted on 4/10/22 at 1:14 pm
(no message)
Posted by IT_Dawg
Georgia
Member since Oct 2012
22117 posts
Posted on 4/10/22 at 1:14 pm to
All insurance is a ripoff until you don’t have it and need it…

But it would say it depends on what your limit is for the amount of money you would spend to cure/keep animal alive.
This post was edited on 4/10/22 at 1:15 pm
Posted by Scruffy
Kansas City
Member since Jul 2011
72393 posts
Posted on 4/10/22 at 1:15 pm to
It was worth it in our case.

2 yo corgi tore her ACL. Should pay for the majority of her surgery.
Posted by Turf Taint
New Orleans
Member since Jun 2021
6010 posts
Posted on 4/10/22 at 1:21 pm to
Unless dog fighting pit bulls, no.

Save for your rainy day funds - like finance experts suggest.

Take money otherwise would have spent on pet ins and invest it.
Posted by keakar
Member since Jan 2017
30152 posts
Posted on 4/10/22 at 1:27 pm to
quote:

Pet insurance, Yea or nea?


its a scam to get your money

but at the same time, if you have a beloved pet who gets hurt and needs surgery it can cost thousands and if they have cancer and you want them treated it can get into tens of thousands if they last years

but its so damn hard to let money over rule common sense on costs of a family pet even before the wife and kids guilting you factor into it
Posted by Odysseus32
Member since Dec 2009
7424 posts
Posted on 4/10/22 at 1:30 pm to
My wife has worked for a pet insurance company for 4 years. She would be the first to tell you it's worthless.
Posted by CuyahogaTigerJr
Northeast ohio
Member since Aug 2018
2198 posts
Posted on 4/10/22 at 1:31 pm to
No man are you serious, just don’t buy a $2,500 dog.
You know they give em away for free if you want one.
Posted by Dandaman
Louisiana
Member since May 2017
710 posts
Posted on 4/10/22 at 1:32 pm to
Insurance is like a casino. The house knows the odds better than you. Your premium is a bet that you will have more covered losses than the odds suggest.
Posted by CuyahogaTigerJr
Northeast ohio
Member since Aug 2018
2198 posts
Posted on 4/10/22 at 1:37 pm to
just get a young mutt they always end up being the best dogs, these expensive dogs have health problems, do a dog a favor and get one from the kennel, you can thank me later.
Posted by GaTiger78
Chickamauga, Ga
Member since Sep 2007
773 posts
Posted on 4/10/22 at 2:21 pm to
I always just assumed it was a scam, same as I always assumed all the car warranty things are scams. Now, though a couple days ago vet says my boxer tore his acl and surgery will be between $3500 to $5000. So now I'm curious if it's something I should look into.
Posted by yellowfin
Coastal Bar
Member since May 2006
97805 posts
Posted on 4/10/22 at 2:34 pm to
I only insure things I can’t afford to replace, I can replace my dog at the pound for about $50
Posted by BK Lounge
Member since Nov 2021
3741 posts
Posted on 4/10/22 at 2:57 pm to
Some of the responses here- Yikes .


I can only speak to my personal experience .. i have an older dog whom ive had pet insurance on for over 10 yrs.. it has saved me untold thousands of dollars.. ever since he was around 5 yrs old, my boy had had one problem or another , sometimes every year, sometimes every other year, sometimes every 6 months.. each time he’s needed an expensive surgery (i.e. $1200-$1500, but they can be more)- the insurance has covered roughly 90% of it.. not to mention all the other odds and ends theyve covered.. I’ve done the math, and if i had “self insured”, or paid out of pocket, i would have come out way, way behind…. btw the one i have is called Embrace and i got a slight discount since i get it thru USAA, which is a third party provider .



So i guess if you dont like saving money, then go ahead and call it a scam or whatever, makes no difference to me .
Posted by Broyota2
Member since Nov 2010
13091 posts
Posted on 4/10/22 at 3:27 pm to
Last year I would have told you it was a sham. After spending 3k plus on my dog this year alone because he can’t stay away from precarious situations, wish I had it.
Posted by Irregardless
Member since Nov 2021
2237 posts
Posted on 4/10/22 at 11:03 pm to
I’m just going to say it, some of you people are crazy. I’ve loved all my pets. But I’m not spending a year of my kids tuition to keep a freaking dog or cat alive unless I have money to burn.

That dog that loves you so much will love the guy that feeds him tomorrow just as much and would not miss your stupid face at all. I know that’s a hard pill to swallow but it’s fact.
Posted by EA6B
TX
Member since Dec 2012
14754 posts
Posted on 4/10/22 at 11:44 pm to
I don’t understand what the cost of the pet has to do with the decision to insure it or not. I have pets that were strays, and others that cost me a lot of money, I don’t determine what kind of medical care they receive based on what the pet cost me.
Posted by Slevin7
Member since Sep 2015
2008 posts
Posted on 4/11/22 at 1:35 am to
It’s cheap as frick.

I mocked my wife on this purchase.

My buddy climbed a chain link fence and ripped a hole in his stomach. I could peer inside. It’s weird. You think it’d be a view of guts and inner dog working. Largely cavernous. Thought he was dead.

Nope. Done. No prob.

He blew out both his little dog Achilles tenders.

Surgery. Water tank physically therapy. (They walk his dumbass in a water tank treadmill with a current?)

He’s basically bionic dog at this point.

His hind legs are worth two base model Chevy Silverado’s. He’s fast as crap.

Dude is faster now than he was.

He almost got me sued bc he murdered the neighbors cat on her porch.

It’s cheap.

You need to hit up Healthy Paws.

Two leg surgeries. Heart worms. Ripped stomachs open. fricked himself up jumping out of the truck to (1st time): chase critter (2nd time): go poop

He’s nuts man.

I don’t have a high end dog. I just love the silly motherfricker. Because he’s awesome.

I think we are at like $32/month? Again this is my wife’s game.

HealthyPaws

Look them up. Dogs are silly


Posted by double d
Amarillo by morning
Member since Jun 2004
16487 posts
Posted on 4/11/22 at 6:43 am to
Had it for my labs while they were young since they have to get so many shots and then to help cover the spay or neuter costs. Dropped it now since they basically only need the annual shots and are in good shape.
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