pet insurance(general) - MyCorgi.com2024-03-28T10:14:24Zhttp://mycorgi.com/forum/topics/pet-insurance-general?id=1150197%3ATopic%3A1914811&feed=yes&xn_auth=noA friend does GSD rescue. Sh…tag:mycorgi.com,2015-09-15:1150197:Comment:19272282015-09-15T04:19:06.202ZJohn Wolffhttp://mycorgi.com/profile/JohnWolff92
<p>A friend does GSD rescue. She buys it and told me it's been worthwhile. Her dogs have had at least 2 knee surgeries and other major expenses. I get the impression this is for catastrophic expenses, not routine vet stuff.</p>
<p>I wished I'd had it when I was considering knee surgery for Al. Not having it did influence my decision not to go that route. Al seems to have recovered well without surgery.</p>
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<p>A friend does GSD rescue. She buys it and told me it's been worthwhile. Her dogs have had at least 2 knee surgeries and other major expenses. I get the impression this is for catastrophic expenses, not routine vet stuff.</p>
<p>I wished I'd had it when I was considering knee surgery for Al. Not having it did influence my decision not to go that route. Al seems to have recovered well without surgery.</p>
<p></p> We have Healthy Paws insuranc…tag:mycorgi.com,2015-09-05:1150197:Comment:19264022015-09-05T00:52:14.889ZSara (Howie and Holli)http://mycorgi.com/profile/Sara604
<p>We have Healthy Paws insurance. Haven't had to use it yet but we got it for the more "catastrophic" type issues (back surgeries, etc). We have two corgis and had a savings account set up but determined that an insurance plan was better for our needs.</p>
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<p>We have Healthy Paws insurance. Haven't had to use it yet but we got it for the more "catastrophic" type issues (back surgeries, etc). We have two corgis and had a savings account set up but determined that an insurance plan was better for our needs.</p>
<p></p> From the one experience I had…tag:mycorgi.com,2015-08-26:1150197:Comment:19262682015-08-26T02:42:23.275ZLindahttp://mycorgi.com/profile/LindaFeldbin
<p>From the one experience I had with it I wouldn't spend the money. We adopted a cat from a shelter, we got something like 3 months coverage as part of the adoption. Emmy developed a serve swallowing problem and they did pay towards the vet bill but naturally they started right away trying to get me to renew it for when the 3 month time was up. Kicker was that wouldn't cover any similar problems in the future..pre-existing condition they said. That turned me right off. </p>
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<p>From the one experience I had with it I wouldn't spend the money. We adopted a cat from a shelter, we got something like 3 months coverage as part of the adoption. Emmy developed a serve swallowing problem and they did pay towards the vet bill but naturally they started right away trying to get me to renew it for when the 3 month time was up. Kicker was that wouldn't cover any similar problems in the future..pre-existing condition they said. That turned me right off. </p>
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<p></p> Right on! Pay the premiums to…tag:mycorgi.com,2015-08-23:1150197:Comment:19260602015-08-23T21:52:46.985ZVicky Hayhttp://mycorgi.com/profile/VickyHay
<p>Right on! Pay the premiums to yourself.</p>
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<p>To my enfeebled mind, it's sort of like the dental insurance you buy on the open market (rather than through your employer's plan): covers almost nothing. If you paid $20/month into a savings account, in nine years (when you could expect your pooch to start having expensive problems), you'd have $2,160 in emergency savings. Not enough, but better than a hit in the head...especially given that most pet insurers have 87 gerjillion reasons…</p>
<p>Right on! Pay the premiums to yourself.</p>
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<p>To my enfeebled mind, it's sort of like the dental insurance you buy on the open market (rather than through your employer's plan): covers almost nothing. If you paid $20/month into a savings account, in nine years (when you could expect your pooch to start having expensive problems), you'd have $2,160 in emergency savings. Not enough, but better than a hit in the head...especially given that most pet insurers have 87 gerjillion reasons not to pay out.</p>
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<p>Here's one at "Pet Insurance Review" (<a href="http://www.petinsurancereview.com/dog.asp" target="_blank">http://www.petinsurancereview.com/dog.asp</a>) that, hevvin help us, charges $76.79/month for a 20/80 plan, with a $100 deductible. And <em>maybe</em> they'll cover "some" long-term conditions. Let's plug $77 into Excel... Hot diggety DAWG: $8316 in emergency dog savings after nine years.</p>
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<p>If you could afford $77, you could probably afford to set aside $100/month for your poochie. Okay...if you put $100/month aside over 10 years, you'd have $10,800 in savings after 9 years. That would cover most catastrophic pet illnesses.</p>
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<p>Considering what we spend on dog food alone, maybe we should think in terms of sacrificing a few dinners out per month by way of preparing for a rainy pet day. For someone my age who can remember when $10 would buy a week's worth of groceries, $100 seems like a lot of money. But in reality, for a working couple in 2015 it's pocket change.</p> I reviewed the policy options…tag:mycorgi.com,2015-08-23:1150197:Comment:19259132015-08-23T20:37:38.212ZMattie, Dooley, and Duncanhttp://mycorgi.com/profile/MarthaOelschlaeger
<p>I reviewed the policy options in detail when my corgi Dooley became ill with cancer last year, and again in preparation to consider getting another corgi puppy. I looked at the most "popular' vet insurance in this area, VPI. I was disappointed to read through all the pages of fine print and see that there are very strict limitations to what they will cover, and what conditions they will cover, are all capped, for a max of around 500-2000 depending on what the condition is. Dooley's…</p>
<p>I reviewed the policy options in detail when my corgi Dooley became ill with cancer last year, and again in preparation to consider getting another corgi puppy. I looked at the most "popular' vet insurance in this area, VPI. I was disappointed to read through all the pages of fine print and see that there are very strict limitations to what they will cover, and what conditions they will cover, are all capped, for a max of around 500-2000 depending on what the condition is. Dooley's chemotherapy, plus the diagnostics to discover what was ailing him initially as well as the end-of-life care he received his last days on earth, easily topped ten grand. If I had paid six years' worth of premiums the insurance company would probably still come out ahead and to be honest, two grand out of ten wouldn't have helped that much. I have chosen to skip purchasing insurance for my current and any future pets and I will instead pay out of pocket for their medical needs, which are far cheaper than human medical care!</p> Thanks-sounds like poor Jerry…tag:mycorgi.com,2015-04-13:1150197:Comment:19152862015-04-13T20:33:59.659ZCarolhttp://mycorgi.com/profile/Carol169
<p>Thanks-sounds like poor Jerry has been through a lot</p>
<p>Thanks-sounds like poor Jerry has been through a lot</p> I was originally turned off f…tag:mycorgi.com,2015-04-13:1150197:Comment:19155272015-04-13T16:45:48.103ZMarina Holshevnikoffhttp://mycorgi.com/profile/MarinaHolshevnikoff
<p>I was originally turned off from pet insurance by the way my vet was shoving it on me for my puppy's first check up. I had already planned to set aside money each month in a savings account, rather than signing up for pet insurance. It felt like she was shaming me into signing up and I just didn't buy it.</p>
<p>Little did we know that our 6mo puppy would be hit with pneumonia hard and fast. (he's fine now) I don't actually know what would have been covered if we had insurance. Possibly…</p>
<p>I was originally turned off from pet insurance by the way my vet was shoving it on me for my puppy's first check up. I had already planned to set aside money each month in a savings account, rather than signing up for pet insurance. It felt like she was shaming me into signing up and I just didn't buy it.</p>
<p>Little did we know that our 6mo puppy would be hit with pneumonia hard and fast. (he's fine now) I don't actually know what would have been covered if we had insurance. Possibly ultrasounds and xrays, maybe the oxygen, but I can imagine not very much.</p>
<p>The preexisting condition clause is really what gets you into trouble, I think. If we decided to get insurance after Jerry was out of the woods, he wouldn't be covered for any respiratory complications until 365 days after he was "cleared" of pneumonia. If your son signs up for insurance tomorrow, and his puppy is already having respiratory issues, the dog won't be covered for any complications from that issue until your vet says he's clear. </p>
<p>Everyone I know has never had it when they needed it, and never used it when they finally had it. Obviously I can't actually speak to the benefits, but we've been fine without it now that Jerry's first serious issue has passed. Do what feels right to you, and consider what you feel comfortable doing with your money. Saving it and gaining interest, or paying out every month and not knowing for sure (but gaining coverage if needed). Obviously we want to do what's best for our dogs, but when it comes to money, we also have to consider ourselves and how we want to manage it.</p> Personally, I would not have…tag:mycorgi.com,2015-04-11:1150197:Comment:19152042015-04-11T18:00:45.733ZJane Christensenhttp://mycorgi.com/profile/JaneChristensen
<p>Personally, I would not have it and I have several dogs. I have NOT heard anything positive about it.</p>
<p>Personally, I would not have it and I have several dogs. I have NOT heard anything positive about it.</p> Be very careful.
A former co…tag:mycorgi.com,2015-04-11:1150197:Comment:19150222015-04-11T16:39:35.866ZVicky Hayhttp://mycorgi.com/profile/VickyHay
<p>Be very careful.</p>
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<p>A former colleague at ASU had several dogs -- they were his life. He bought pet insurance for them. Some years later one of them developed an expensive ailment that required several surgeries. The insurance covered exactly NOTHING. Zip. Zero. For every single thing that went wrong with the dog -- and there were several -- the insurance fraudsters had an exclusion.</p>
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<p>He would've been way ahead of the game to have built a special emergency…</p>
<p>Be very careful.</p>
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<p>A former colleague at ASU had several dogs -- they were his life. He bought pet insurance for them. Some years later one of them developed an expensive ailment that required several surgeries. The insurance covered exactly NOTHING. Zip. Zero. For every single thing that went wrong with the dog -- and there were several -- the insurance fraudsters had an exclusion.</p>
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<p>He would've been way ahead of the game to have built a special emergency veterinary savings fund with a little bite out of every paycheck. You can either get your bank's system to make an automatic transfer on a set day of the month, or sometimes if your employer direct-deposits, you can split the amount of the deposit between two accounts.</p> Thanks to everyone that repli…tag:mycorgi.com,2015-04-11:1150197:Comment:19152492015-04-11T14:41:57.605ZCarolhttp://mycorgi.com/profile/Carol169
<p>Thanks to everyone that replied to my question :)</p>
<p>Thanks to everyone that replied to my question :)</p>