What Pet health insurance is best and is it worth it i have a 7mth old puppy and a 8yr old dog?
suzie B asked:
the puppy has not been spayed yet and i was wondering if i didn;t get them a health plan where would i go to get them there shots each year for low cost?
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the puppy has not been spayed yet and i was wondering if i didn;t get them a health plan where would i go to get them there shots each year for low cost?
January 25th, 2009 at 8:47 am
We use VPI Pet Insurance. We have 5 dogs and a cat.
January 27th, 2009 at 9:31 pm
health insurance for pets?? oh you got to be kidding me. just another way to milk your money. did you chip your pets too? just another ploy for your money. less than 1% of pets ever run away, there is no plague of pets running away to need to chip animals.
January 28th, 2009 at 6:47 pm
I’d actually skip the insurance. Most of the insurance companies require you to pay up front anyway.
I looked into pet insurance, and then decided that opening a savings account for them was a better option. Every month I put what I would have spent on insurance premiums into this account. Sometimes I’ll add more. To me this has a few different benefits. I can set the amount I pay into this savings every month, if the money isn’t used, its not just “gone”, in fact I earn money back.
If the dogs ever need something, the money is there for it.
As far as low cost spay, you can go to they can put you in touch with low cost clinics. I believe Petco and PetSmart also have low cost vaccination clinics. I know in my area every summer vets around here will do vaccine clinics where shots and worming is discounted.
Skip the insurance, and get a savings account instead.
January 28th, 2009 at 7:21 pm
It is definitely worth it for the puppy. The 8 year old dog is another matter, however. The older the dog is when you start the insurance, the more expensive it will be. You can get quotes online to tell exactly how much.
February 1st, 2009 at 7:00 am
I use PetCare and it is worth every penny for young dogs. You would be surprised at the things they get themselves into. I find that is pays for itself over and over…just one trip to the emergency room and it is paid for. I have it on my 2 dogs (ages 2 & 3) and I just used it last month for a cough. You pay the full cost and then they reimburse you with a check for pretty much everything but $50. However, they do not cover shots. There are other plans but I did not find it worth the additional cost.
February 3rd, 2009 at 9:56 am
I suggest that you check into what the pet insurances cost (ASPCA also has pet insurance too). I don’t agree that pet insurance is a ploy to get more $$$ I have seen it help in clinical settings (not to mention I have seen microchips get their pets home too, esp. when the person is moving cross country!). But my suggestion is to find out how much they would want you to pay per month and then just set that much aside in a savings account made just for your animals. This way you get the interest along with the amount of $$$ saved to help out your furry friend!
February 6th, 2009 at 2:08 am
I have VPI for both of my dogs. My vet recommended it after my 9 mo puppy got into some medication a week after I adopted her. Vets do not get paid anything by the insurance companies, so he has no reason to push it. Also a coworker of mine had a sister who was a vet. My coworker also had insurance and her sister also recommended it. I pay $25/month for each. If I did the savings account route, I better pray nothing happens to them while I’m trying to save up. With the insurance if something happens, and I have to pay $2500 (which is a cheap number depending on what’s wrong) for surgery I don’t have to worry about whether I have enough in my savings account. BTW at $25/month into a savings account it would take over 8 years to have that much.