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  1. #1
    Join Date
    Jun. 16, 2006
    Location
    SE Coastal NC
    Posts
    1,713

    Default Do you have medical insurance for your pets?

    We've spent probably $2-3k in vet bills over the past couple of months. Our senior Lab mix went through a round of Adequan and, then not long after, she ended up at the ER vet and regular vet with what we learned was a ruptured abdominal tumor (cancer). We had to put her down Around this same time, my Boston Terrier developed a bad eye ulcer. We have been to the regular vet and also the eye specialist multiple times. It's almost healed now but we're 6-8 weeks into vet visits and expensive eye drops. I was also concerned for a period of time that she would need to undergo additional procedures or surgery to save the eye. Thank goodness for her sake (and ours!) that it hasn't come to that.

    Does anyone out there carry insurance on their dogs? What companies offer this and what situations do they cover? I'm sure there are age restrictions (both of these dogs are/were seniors) and limits on pre-disposed conditions just like with horses. I'm just curious how much the insurance might have been able to help me offset these recent vet bills.
    "Farming looks mighty easy when your plow is a pencil, and you're a thousand miles from the corn field." --Dwight D Eisenhower

    Boston Terrier Rescue of NC - www.btrnc.org - Adopt for Life!



  2. #2
    Join Date
    Aug. 16, 2002
    Location
    Maine
    Posts
    81

    Default

    Nope, but after the estimate I just got from the emergency vet for my boxer....I sure wish I did.
    ~Katelyn~



  3. #3
    Join Date
    Aug. 3, 2004
    Location
    Vermont
    Posts
    1,558

    Default

    I did but recently dropped it due to a steep increase. I still would like to get her and the new puppy back on something...hope I don't have any issues in the meantime!!



  4. #4

    Default

    I carry Embrace Pet Insurance on both of my dogs. Thankfully I have never had to use it. Embrace is highly rated, and fairly inexpensive (in my opinion). I have a high-deductible policy which helps to lower the monthly costs. I don't need insurance for yearly visits, vaccinations and routine exams, and I think it's silly to insure a pet for routine wellness visits. I only want insurance for for unexpected emergencies and extraordinary expenditures.



  5. #5
    Join Date
    Sep. 9, 2008
    Location
    In A World Called Catastrophe
    Posts
    1,789

    Default

    Yep, I do now! One of my dogs was 10 grande in bills. I wish I had had insurance. ALL of the dogs in my home, including fosters have insurance!

    I did have Trupanion, but have moved to Healthy Paws



  6. #6
    Join Date
    Jul. 24, 2004
    Posts
    2,907

    Default

    My dog is insured through Healthy Paws - I haven't had to use it thankfully but I sure am glad to know I have coverage in case something does happen. I pay $25/month and it's well worth the peace of mind.
    "When a horse greets you with a nicker & regards you with a large & liquid eye, the question of where you want to be & what you want to do has been answered." CANTER New England



  7. #7
    Join Date
    Dec. 14, 2006
    Location
    VA
    Posts
    1,980

    Default

    I do not but am currently googling Healthy Paws .

    VPI is another pet insurance company. Many clients at the vet surgery had it. Of course when you walk through our doors, you are very happy you have insurance. You have to cover the cost up front, and insurance reimburses you. Some even cover chemo!



  8. #8
    Join Date
    Jun. 22, 2001
    Location
    Coatesville, Pa.
    Posts
    5,526

    Default

    I have VPI on the entire herd. We even got Scarecrow in before his 10th bday (by mere days) so he can have complete coverage going forward, instead of just accident coverage.

    I highly reccomend it and love getting my VPI checks for reimbursement.

    ~Emily
    "Courage is not the absence of fear but rather the judgment that something is more important than fear. The brave may not live forever but the cautious do not live at all." ~2001 The Princess Diaries



  9. #9
    Join Date
    Jun. 16, 2006
    Location
    SE Coastal NC
    Posts
    1,713

    Default

    Thanks for the info! I'm going to start doing some Googling I'm a member of the NC Farm Bureau and seems like VPI might be among our list of member discount groups.
    "Farming looks mighty easy when your plow is a pencil, and you're a thousand miles from the corn field." --Dwight D Eisenhower

    Boston Terrier Rescue of NC - www.btrnc.org - Adopt for Life!



  10. #10
    Join Date
    Aug. 13, 2008
    Posts
    1,703

    Default

    I don't but I probably should by now! My 4 dogs have cost so much in vet bills over the years.



  11. #11
    Join Date
    Jul. 26, 2001
    Location
    Toronto, Canada.
    Posts
    6,487

    Default

    YES!!!



  12. #12
    Join Date
    Oct. 12, 2001
    Location
    Center of the Universe
    Posts
    7,806

    Default

    yes. Petplan. Considering how expensive vet care is these days you'd have to be kind of crazy to not have something. The old idea of "socking away a bit of money into a savings account" doesn't work anymore. If I put my yearly premiums into a savings account instead, even if the dog remains healthy for 15 years, the total amount saved will not cover much of anything. I've had close to $10k paid out by Petplan so far.



  13. #13
    Join Date
    Jun. 25, 2007
    Posts
    2,352

    Default

    We have our 3 on Trupanion and love them! Reasonable, can set your OWN deductible based on your pet. (Ex: older dog has higher deductible to cover big ticket issues, younger dog and puppy have very low deductible to cover all the "stuff")

    It covers 90% of bills except routine medical care , regular recurring meds (vaccines, yearly exam) and the exam fee on visits.

    It WOULD HAVE covered my recently passed dog's chemo and cancer threatment. It WOULD HAVE covered my 5 yr old Golden's emergency surgery of 6k due to injesting a puppy toy Bang head on wall. Needless to say, we have the insurance now.

    Highly recommend Trupanion - you can go on their website and play with the deductible "sliding bar" to see what your premium would be. It's very helfpul!



  14. #14
    Join Date
    Jun. 15, 2010
    Posts
    2,689

    Default

    Every animal we own is insured. After our Wheaten blew an ACL at 2 years we figured it was better to be safe than sorry. It definitely came in handy when the other ACL blew a year later and when my mare punctured her eye with a piece of hay. We have exceptionally healthy animals but when they get hurt they certainly make it count.



  15. #15
    Join Date
    Sep. 5, 2011
    Posts
    2,966

    Default

    We've thought about insurance, but there are so many restrictions, we're still more comfortable with both a separate savings account & a separate free credit card for vet bills. That way, no bother with "this isn't covered", or "this may have been a pre-existing condition", yadayadayada.



  16. #16
    Join Date
    Dec. 6, 2000
    Location
    SE Mass
    Posts
    4,479

    Default

    Trupanion. I had VPI, they were very good, but when I compared them to Trupanion, the coverage and the increasing premiums made me switch.

    This site has some great info:

    http://www.petinsurancereview.com/



  17. #17
    Join Date
    Jun. 16, 2006
    Location
    SE Coastal NC
    Posts
    1,713

    Default

    Thanks for all of the info! I've google the companies mentioned and it seems like Healthy Paws is the winner in terms of price. They also had the highest rating on the website that IFG posted. So I think I'll go with them
    "Farming looks mighty easy when your plow is a pencil, and you're a thousand miles from the corn field." --Dwight D Eisenhower

    Boston Terrier Rescue of NC - www.btrnc.org - Adopt for Life!



  18. #18
    Join Date
    Oct. 12, 2001
    Location
    Center of the Universe
    Posts
    7,806

    Default

    That way, no bother with "this isn't covered", or "this may have been a pre-existing condition", yadayadayada.
    you just have to shop around- VPI is the biggest offender in this area, or at least it was when I was shopping around.



  19. #19
    Join Date
    Sep. 9, 2008
    Location
    In A World Called Catastrophe
    Posts
    1,789

    Default

    YUP. Trupanion was the King of the pile, but it seems Healthy Paws has taken over.



  20. #20
    Join Date
    Jul. 24, 2004
    Posts
    2,907

    Default

    Quote Originally Posted by Blinkers On View Post
    YUP. Trupanion was the King of the pile, but it seems Healthy Paws has taken over.
    I originally looked into Trupanion based on the reviews but it's not available in my state yet (NH). I then found Healthy Paws and was impressed by the reviews and the cost and coverages. Thankfully I haven't had to use it but it's worth having for the peace of mind!
    "When a horse greets you with a nicker & regards you with a large & liquid eye, the question of where you want to be & what you want to do has been answered." CANTER New England



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