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Started By
Message
Pet Insurance for a dog
Posted on 10/18/24 at 9:17 am
Posted on 10/18/24 at 9:17 am
Has anyone on the OT ever purchased pet insurance for their dog? Is it worth it? Is there a company you would recommend? Any advice on this is appreciated.
24
Posted on 10/18/24 at 9:20 am to lshuge
We looked at it, but it doesn't cover any routine appointments, so if your dogs doesn't have any major injury or disease, it's just money wasted.
I'll take my chances.
I'll take my chances.
Posted on 10/18/24 at 9:23 am to lshuge
quote:
Is it worth it?
Well, you have to decide that. I just paid for what will be our fourth dog knee surgery. They are $5,100 a pop if that helps you with a cost benefit analysis.
Posted on 10/18/24 at 9:26 am to TheWiz
quote:
I just paid for what will be our fourth dog knee surgery.
If you have 4 dogs that need knee surgeries maybe you need to look at how you are treating them.
Posted on 10/18/24 at 9:27 am to lshuge
Pet insurance is more of a discount plan, but it was helpful for us when our dogs were puppies and needed vaccines. The vaccines were covered.
Posted on 10/18/24 at 9:28 am to lshuge
I've looked into it several times, but it never seems to cover common ailments for each breed. For example, our labs wouldn't have ACLs or cancer covered. That seems absurd. With that breed, those are the two big ticket things you'll encounter that make insurance worth it 
Depends on the insurance product I guess.
Depends on the insurance product I guess.
Posted on 10/18/24 at 9:29 am to OysterPoBoy
Nationwide. You’ll essentially break even in the long run, but it takes the sting out of those $500+ invoices as well as making some end of life decisions much easier. Highly recommend.
Posted on 10/18/24 at 9:30 am to lshuge
We use MetLife. It covers an annual check up, prescriptions and shots, along with major medical events. There’s a cap to the coverage. You also have to pay for the treatment upfront, submit all the claims yourself then get reimbursed by the insurance. It’s a pain but it’s been worth it. Rates are typically lower the younger the pup is. It’s been worth it in our case
Posted on 10/18/24 at 9:31 am to lshuge
I had pet insurance on my dog, and i highly recommend it.. it paid for itself many, many times over.. about once a year or so it seems, he’d need some type of surgery or procedure, or had some accident- that typically ran $1,000- $1,500.. the insurance usually covered about 90% of that .. once he turned 10 yrs old, the premiums shot up, so i looked around and found another carrier with lower pricing, which wound up covering him for the rest of his life .
Posted on 10/18/24 at 9:34 am to lshuge
We are a long way from a struggling economy when people voluntarily pay for things like pet insurance, car wash subscriptions, and oil changes.
Posted on 10/18/24 at 9:35 am to lshuge
We have Nationwide. It's about $27 a month for emergencies only.
My dog had to have her Spleen removed, found out after it was cancer. All in all the bill was $5500, got a $5400 check back.
Talked my in-laws into getting it and a few weeks later their dog broke his leg. It paid out to them also.
Well worth it if you don't plan on putting a dog down for a high bill.
My dog had to have her Spleen removed, found out after it was cancer. All in all the bill was $5500, got a $5400 check back.
Talked my in-laws into getting it and a few weeks later their dog broke his leg. It paid out to them also.
Well worth it if you don't plan on putting a dog down for a high bill.
Posted on 10/18/24 at 9:41 am to OysterPoBoy
Two dogs. Both have bad knees. These dogs live the life. Just bad genetics for what were found, rescue dogs.
Posted on 10/18/24 at 9:46 am to lshuge
We had it for a bulldog and it was useful, but it is not a great financial boon. We spent a lot on the insurance, but the psychological value was worth it at the end to be able to say "sure, do the tests, surgery, whatever" without having to go in the hole $5k.
If you do it, do it for that reason, but not because you are necessarily getting your money's worth from a purely accounting standpoint.
If you do it, do it for that reason, but not because you are necessarily getting your money's worth from a purely accounting standpoint.
Posted on 10/18/24 at 9:46 am to BabyTac
quote:
We are a long way from a struggling economy when people voluntarily pay for things like pet insurance,
Saved me thousands of dollars over the course of my dog’s life, to me it’s one of the smartest financial moves a pet owner can make.. IF you are not someone who just has a knee-jerk reaction to things, and can bother to educate yourself for even 5 minutes .
Posted on 10/18/24 at 9:54 am to TheWiz
quote:
rescue dogs.
Ah, say no more.
Posted on 10/18/24 at 9:55 am to BabyTac
quote:
We are a long way from a struggling economy when people voluntarily pay for things like pet insurance
I live by and pass by a vets office several times a day. It seems the place has no one there most of the time.
Posted on 10/18/24 at 9:57 am to TheWiz
Pet guppies may be more cost efficient.
Posted on 10/18/24 at 10:03 am to lshuge
I hate to sound like an old man yelling at clouds but wtf is this even.
My animals live the good life but medical insurance...for a pet.
Once a dog gets so old that their joints are going out...hacking them up with a surgery so they can live another year or two just seems wrong.
Tramadol worked wonders on our old girl that had hip displacia but once it quit working I never once thought about a surgery. Sometimes ya gotta know when to let em go.
My animals live the good life but medical insurance...for a pet.
Once a dog gets so old that their joints are going out...hacking them up with a surgery so they can live another year or two just seems wrong.
Tramadol worked wonders on our old girl that had hip displacia but once it quit working I never once thought about a surgery. Sometimes ya gotta know when to let em go.
Posted on 10/18/24 at 10:06 am to Tr33fiddy
quote:
Once a dog gets so old that their joints are going out...hacking them up with a surgery so they can live another year or two just seems wrong.
One of my rescues had this done about 4-5 years ago. Some dogs just have degenerative knees. I kind of wish I had it at some point as I am $20,000 into dog knees over their life span now.
Posted on 10/18/24 at 10:15 am to lshuge
This one is easy. If the treatment is more than the cost of the dog, then just have him put to sleep and buy a new one.
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