- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Pet Insurance
Posted on 3/29/26 at 5:08 pm to Skenes
Posted on 3/29/26 at 5:08 pm to Skenes
I have it on mine. $30 a month. I feel like it’s worth it even though I’ve never had to file a claim.
As you can tell, some people will tell you to get it. Some will advise to never get it. If it gives you peace and you trust the company, get it. If you’d rather self insure, then do that. There’s no wrong or right answer.
As you can tell, some people will tell you to get it. Some will advise to never get it. If it gives you peace and you trust the company, get it. If you’d rather self insure, then do that. There’s no wrong or right answer.
0
Posted on 3/29/26 at 5:09 pm to caro81
No, I find that when a 10 year old Labrador retriever is diagnosed at an after hours vet ER with hemangiosarcoma, and the owner of the pup is not familiar with the death sentence that is, but the “Dr” plan of action is to send the tech in with an itemized invoice for $11k for owner to initial to commence surgery, the vet is the problem.
Sign here, commit to paying this bill longer then your dog will be alive with or without surgery.
Sign here, commit to paying this bill longer then your dog will be alive with or without surgery.
Posted on 3/29/26 at 5:13 pm to Skenes
Insurance is for things that you cannot afford.
If you can't afford a $2000 bill but you can afford $70/month, then insurance might work for you.
That is a very, very small window of people, in my opinion.
If you can save an emergency fund, then you can also save yourself a monthly debt obligation to an insurance company.
If you can't afford a $2000 bill but you can afford $70/month, then insurance might work for you.
That is a very, very small window of people, in my opinion.
If you can save an emergency fund, then you can also save yourself a monthly debt obligation to an insurance company.
Posted on 3/29/26 at 5:15 pm to Skenes
just put the pet down and get a new one. Its just an animal. Move on
Posted on 3/29/26 at 5:17 pm to Skenes
First year or two are extremely worth it for a wellness plan. Got a Frenchton puppy and signed him up for Banfield the first couple years. 50 a month so 600 a year. Free neutering, free shots, free heartworm. All that would have costed like 2k out of pocket for 2 years. After year 2 or 3, if your dog is healthy, it might not be worth it anymore.
This post was edited on 3/29/26 at 5:20 pm
Posted on 3/29/26 at 5:21 pm to Skenes
I’ve had Healthy Paws for my dog’s entire life and they’ve been amazing. Never once have the questioned a claim. They’ve paid way more than we put in.
The key to pet insurance is to get it early, so everything they develop later in life is covered.
The key to pet insurance is to get it early, so everything they develop later in life is covered.
Posted on 3/29/26 at 5:25 pm to ChiTownBammer
quote:
After year 2 or 3, if your dog is healthy, it might not be worth it anymore
It’s worth it in the back half of their life more than any other time. That’s when most of the expensive shite happens and insurance won’t cover anything preexisting. Get it when they’re young and everything is covered.
Posted on 3/29/26 at 5:57 pm to Burt Reynolds
quote:
Its just an animal. Move on
It can range from just an animal, to a companion, to in Coyotes case, a lover.
Posted on 3/29/26 at 6:01 pm to meansonny
quote:
If you can't afford a $2000 bill but you can afford $70/month, then insurance might work for you.
Such a dumb line of thinking. My wife and I make great money, we save 33% of our income monthly. Affording has nothing to do with it. When my big dog had her Spleen removed, we had insurance for 4 months at that point. So we had spent around $100 and saved around $6000 on the surgeries.
Posted on 3/29/26 at 6:02 pm to Odysseus32
quote:
Find a good local vet that owns their shop
This. Plus double check that they aren’t actually owned by the vet. Private Equity has bought up lot of local vets lately and they don’t notify anyone of the ownership change. They keep the original owner around for a day or two to keep up the front and then try to charge the hell out of you for basic stuff.
Posted on 3/29/26 at 6:03 pm to Skenes
No. I never went with the wellness plans. Adding up the cost of a yearly plus hw rx was less than the wellness plans. I look at pet insurance for emergencies or chronic illness. Trupanion is one who will pay the vet direct, so no pay first and be reimbursed. You’ll just have your copay/coinsurance once deductible met. But you will have a deductible for each issue, not a yearly deductible. But it’s nice if the vet is set up for Trupanion.
Healthy Paws used to be be good and pay claims. But it’s been years so don’t know how they are now.
Healthy Paws used to be be good and pay claims. But it’s been years so don’t know how they are now.
Posted on 3/29/26 at 6:03 pm to caro81
quote:
Also, a lot of vitriol being spewed towards vets in here. I also dont believe most of your "stories". A vet charging 5k for antibiotics? C'mon man. Vet are some of the smartest people you are going to run into. Dont you think they would know what would happen to their business if they tried to fleece everyone? I find people who are feeling mistreated by vets more often than not did not understand what the vet was telling them and made up what they wanted to hear by patchworking choice information or, are just flat out lying. If the only thing vets cared about was money, then there wouldnt be any vets. Any one of us could have gone to dental school or med school and made way more money.
My wife is a vet and I agree 100%.
Posted on 3/29/26 at 6:08 pm to Skenes
A fool and his money.
This post was edited on 3/29/26 at 6:44 pm
Posted on 3/29/26 at 6:11 pm to Saintsisit
quote:
Such a dumb line of thinking.
Insurance companies do not pay insurance claims.
Policyholders pay the claims.
This isn't the post office which is subsidized by tax dollars for losses. Or FEMA.
Think about why insurance was invented.
Think about how insurance stays in business.
Posted on 3/29/26 at 6:12 pm to BabyTac
i get it through work for $30 a month. It already was worth it to me as my 1-year-old Shih Tzu sniffed a fox tail weed that got stuck in his sinuses. Had to take him to a pet ENT and have surgery and it saved me $1200.
Posted on 3/29/26 at 6:12 pm to PerryWinkleBlue
quote:
No, I find that when a 10 year old Labrador retriever is diagnosed at an after hours vet ER with hemangiosarcoma, and the owner of the pup is not familiar with the death sentence that is, but the “Dr” plan of action is to send the tech in with an itemized invoice for $11k for owner to initial to commence surgery, the vet is the problem.
First you cant diagnose hemangiosarcoma at an ER visit. The best you can do is image and find a mass. Using knowledge on breed, location, and presentation gives you a general good guess. Histopath is needed for a true diagnosis. Dont throw terms around loosely.
I assume a 10 year old lab would be a splenic HS. Splenic HS without evidence of metastasis treatment of choice is surgical removal. So you are mad at the vet for suggestion doing the proper treatment? I already said surgery, especially emergency surgeries are becoming more expensive. Pet insurance would have helped this situation. Which is the question at hand. How much do you think an emergency splenic removal would cost in a human ER?
MST is fairly low even with surgical removal though. Some animals without signs of metastasis do survive over a year (about 10%). Most Vets would explain this. Most owners hear what they want to hear at the time. Sometimes you have to pull your big boy pants up and make your own decisions. The vet isnt there to make them for you.
Posted on 3/29/26 at 6:14 pm to PerryWinkleBlue
quote:
No conflict there huh
Some of the procedures that vets do on dogs and cats would cost a hundred thousand dollars if done on a human in a hospital. But they only charge $4000. Same anesthesia, same procedure, same tools and radiology and testing, same level of student loans the doctors carry.
You think the vets are the greedy people in the medical industry?
Your previous comment about the cancer thing and the 11k line item list isn't what you think, even if it were true. That's the doctor's nice way of saying "there's nothing we can do, it's time to put him down" without saying it out loud. They aren't actually trying to get 11k out of you. There is such a tiny percentage of the population that would shell out that much on a prayer, any vet that tries to gouge at that level wouldn't be in business very long.
Posted on 3/29/26 at 6:19 pm to meansonny
quote:
Insurance companies do not pay insurance claims.
Policyholders pay the claims.
shite you're right. I'm going to drop my vehicle and health insurances tomorrow. When my house is paid off in 3 years, I'm going to drop Homeowners too. Good looking out, thanks.
Posted on 3/29/26 at 6:27 pm to Skenes
We had it on our basset hound. Don’t remember any claims that weren’t paid out. Dog lived 16 years so it probably paid for itself.
Page 2 of 4
Popular
Back to top
Follow TigerDroppings for LSU Football News