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Thread: Pet Insurance

  1. #1
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    Default Pet Insurance

    As I sit at the emergency vet thinking, damn I probably need to get my 1 year old lab pet insurance. Charlie’s eyes are severely swollen and is starting to spread to his face along with hives popping up under his legs and face. Looks like he may have been bit under his front leg by something. Say a quick prayer that this passes quickly but in the meantime what pet insurance do you guys recommend?
    "run and gun guide service"

  2. #2
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    Do they carry one with a death benefit payout? Asking for a friend

  3. #3
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    I never had pet insurance, but I have used Care Credit for some emergencies that were a little more expensive than I could spend at that moment. Typically you'll have 12 months interest free.

  4. #4
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    Quote Originally Posted by Luvin' Labs View Post
    I never had pet insurance, but I have used Care Credit for some emergencies that were a little more expensive than I could spend at that moment. Typically you'll have 12 months interest free.
    I can't speak on insurance, because I didn't start having issues until about 3 years ago when my lab was 7. Now it seems like everything would be pre-existing. I have used Care Credit also in some major situations, 3 times with him. It does help, like Luvin said with the 0 interest.

    We did have some friends that had pet insurance when their dog had cancer.. it saved them a ton. Ive asked my vet what he recommended for the next pet and he mentioned they are all hit and miss.

  5. #5
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    I have pet insurance on my 4y lab, and have since the day I brought her home. In between undergrad and vet school I worked as an ER tech and had way too many conversations consisting of "Hello XX person I just met 15 minutes ago. You now have a $2000-$4000 bill that you didn't know you would have when you woke up this morning." Things WILL pop up with your dog. Even if it's just something little, by the time you leave the ER you're likely looking at easily $800+ for the exam, bloodwork, x-rays, and medications. If they need hospitalization, you're looking more around 2k EASILY.

    I have gotten discounts from employers for the past 5-6 years, and even with them I still pay 44$ a month for pet insurance. I am insanely broke right now, but it's really nice peace of mind knowing that if something happens, it will be covered.

    I have pet plan, get 90% reimbursement after a single $300 deductible per year. I don't make a dime off telling you this. I recommend pet insurance to just about everyone that walks in the door, especially the younger clients around my age. We sure as shit can't drop 3-4k on a knee surgery.

    By getting pet insurance when your dog is a puppy, there shouldn't be any "pre-existing conditions".

    There has not been a year where I paid more into pet insurance than they paid me back. Lily had surgery as a 5mo puppy for elbow dysplasia, then again as a 2yo for a foreign body (it turns out that labs eat shit), and has had tons of work-up for IBD in the past year and a half. All I am saying is that even knowing what I should know, things happen with dogs. It is really nice knowing that when the unexpected happens, you won't be stuck making a difficult decision.

    Hope this helps, y'all feel free to PM me if you have questions. I am in no way pimping for pet plan (because they don't pay me), but I have been done right by them time after time for the past 4 years.
    IMG_4997.JPG
    Last edited by abarill; 06-11-2018 at 09:03 PM.
    Never confuse enthusiasm for capability

  6. #6
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    This is a good question for Glenn

  7. #7
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    Unless you draw some bad cards and have a consistently sick dog, pet insurance ain’t worth it

  8. #8
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    There's another thread on this floating around here somewhere. I looked but couldn't find it
    Houndsmen are born, not made

    Quote Originally Posted by 2thDoc View Post
    I STAND WITH DUCK CUTTER!
    Quote Originally Posted by JABIII View Post
    I knew it wasn't real because no dogbox...

  9. #9
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    sorry to hear about your dog, dox.
    Ugh. Stupid people piss me off.

  10. #10
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    Get care credit. Take the money you’d pay per insurance a month and stick it in a savings account. Use care credit then you have 12 months + to pay it off and the money to do it.

  11. #11
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    right. that'll happen. people will go the bank and open an account to save money for their pet.

    harumph
    Ugh. Stupid people piss me off.

  12. #12
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    Most people are in a bind and will stay in a bind because they don't know the meaning of a savings account...…. (or) leaving above their means, but that's for a different discussion.

  13. #13
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    Quote Originally Posted by 2thDoc View Post
    right. that'll happen. people will go the bank and open an account to save money for their pet.

    harumph
    RADDAH!

  14. #14
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    Manning, SC
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    Got to agree with the others. Do the math. $300 a year. So $3k of non routine care over 10 years? It happens but most of the time the insurance company is gonna win in this one.

    Now if you have a boxer, English bulldog, French bulldog or anything else that is known for health problems it might make sense. But out of 4 dogs I only have one that got to that 3k number and that was for tlpo surgery.

  15. #15
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    Never confuse enthusiasm for capability

  16. #16
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    May 2014
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    Dog insurance? I never knew this existed until now...... I’m not an animal person, so I don’t own any critters, but I had no clue you could insure a dog. Hope is well with dog dox

  17. #17
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    Quote Originally Posted by abarill View Post
    I have pet insurance on my 4y lab, and have since the day I brought her home. In between undergrad and vet school I worked as an ER tech and had way too many conversations consisting of "Hello XX person I just met 15 minutes ago. You now have a $2000-$4000 bill that you didn't know you would have when you woke up this morning." Things WILL pop up with your dog. Even if it's just something little, by the time you leave the ER you're likely looking at easily $800+ for the exam, bloodwork, x-rays, and medications. If they need hospitalization, you're looking more around 2k EASILY.

    I have gotten discounts from employers for the past 5-6 years, and even with them I still pay 44$ a month for pet insurance. I am insanely broke right now, but it's really nice peace of mind knowing that if something happens, it will be covered.

    I have pet plan, get 90% reimbursement after a single $300 deductible per year. I don't make a dime off telling you this. I recommend pet insurance to just about everyone that walks in the door, especially the younger clients around my age. We sure as shit can't drop 3-4k on a knee surgery.

    By getting pet insurance when your dog is a puppy, there shouldn't be any "pre-existing conditions".

    There has not been a year where I paid more into pet insurance than they paid me back. Lily had surgery as a 5mo puppy for elbow dysplasia, then again as a 2yo for a foreign body (it turns out that labs eat shit), and has had tons of work-up for IBD in the past year and a half. All I am saying is that even knowing what I should know, things happen with dogs. It is really nice knowing that when the unexpected happens, you won't be stuck making a difficult decision.

    Hope this helps, y'all feel free to PM me if you have questions. I am in no way pimping for pet plan (because they don't pay me), but I have been done right by them time after time for the past 4 years.
    IMG_4997.JPG
    He is not the only vet I know that has pet insurance on his dog.... makes you think a bit. It is nice if/when something happens and you can take them to an ER or specialist and say “do whatever you want” and not worry.


    My dog is old but with a puppy I would definitely consider it. Peace of mind.


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  18. #18
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    Yea Brittany puppy got on bed and backed off hitting knee. $2,500 later. wished I had insurance, Worst part I waited to reg with AKC. Had I done when I got him they give you 30 days insurance.

    7 weeks in a crate I don't know if we'll ever settle him down. Was just starting to get him to come. Now he looks like "You talking to me?"

    Anybody with training tricks under these conditions I'm open to ideas> Still on leash fro next week
    Last edited by bluetick1955; 06-13-2018 at 11:38 AM.
    Bluetick

  19. #19
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    Quote Originally Posted by bluetick1955 View Post
    Yea Brittany puppy got on bed and backed off hitting knee. $2,500 later. wished I had insurance, Worst part I waited to reg with AKC. Had I done when I got him they give you 30 days insurance.

    7 weeks in a crate I don't know if we'll ever settle him down. Was just starting to get him to come. Now he looks like "You talking to me?"

    Anybody with training tricks under these conditions I'm open to ideas> Still on leash fro next week
    Take it slow and easy. Dont overdo it! You have a long time that you would like for that pup to perform for you. A few weeks/months is just a blip on the radar. It really sucks if you end up with a young dog with a lasting injury that causes lameness, etc. you could still be working on obedience (whatever commands you want it to know). Heal, sit, stay, kennel, etc.... should be able to get really good at those since you cant do much else right now. The better they are at obedience the easier everything else will be later down the road.


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