pet insurance?
 

Anyone have pet insurance, how is it working out? cost?

I'm keeping an eye on this thread, as I have wondered the same for years.

There are quite a few in the game. We have used Lemonade.com for homeowner/renter policies for three years now. Found them to be 50-65% cheaper than the traditional brands like StateFarm, AllState, etc., especially noticeable with higher payout 1 MM + policies.

I mention this, as they now offer pet insurance. :2 cents:

When I bought my Italian Greyhound the breeder tried to sell me on pet insurance. It felt like she was just trying to upsell me on it so I declined.

HUGE FUCKING MISTAKE!

4 months later, the dog got spooked and jumped off my 15ft high deck! The dog completely snapped his leg. It was like a compound fracture that needed emergency surgery. The surgery and recovery cost me $5,000. 6 months later he jumped over a baby gate in my house and landed awkwardly on my hardwood floor, snapping his other leg. Another 5K for surgery and recovery.

2 years later he developed a cough. So I take him to the vet because I think it's kennel cough.Vet is not really sure what it is so he tells me to keep an eye on him. Well he starts getting worse with his cough so the vet gives me this cough syrup and says keep an eye on him. One night he gets real bad and goes into this coughing and wheezing fit, so I bring him to the emergency vet hospital. They run all these tests, cat scans etc...turns out the poor dog has mesothelioma. That was another $3,500 in vet bills.

So all together i'm into this dog for almost 20k.

If you ever get an Italian Greyhound get insurance.


Here is the little shit with one of his broken legs:

https://i.imgur.com/zDIDlw5.jpg

I'm up in Canada, but I got insurance on my two cats when I first got them. My little boy had crystals develop in his bladder when he was 4 years old, and he required surgery and several days of care at the vet. I was surprised that the pet insurance actually did come through and pay the entire bill aside from a small deductible. The whole thing was a few grand and it was all covered.

Since then, they've had no issues, and hopefully things stay that way, but already they've pretty much paid for the insurance for the rest of their lives (probably not quite, but I feel that way).

The other note that I have is that it was very comforting to know that there was never a question about the cost for care. Just give him whatever he needs. I would have done that anyway, but it just felt good not to have that even enter my mind.

One person's story. YMMV

Every time I've taken the masstiff to the vet it's about 750 bucks if it's not 1500. I wanna get insurance this time. I looked at 1 of them that was about 90 bucks a month.

Monthly premium?

$56 per cat CAD = ~42/month USD

If you have a weird dog is probably a good idea. I do not see any reason in retrospect to have bought insurance for Buddy

It's mostly the size, medications are so expensive like $250 for an antibiotics shot.

Vets charge by the pound. I had a paralysis visit to the vet, Lots of allergies. This dog I have now, I'm keeping in a much cleaner environment that I have control of.

Sounds reasonable

Gonna go with embrace

Do they cover everything? Is there a deductible?

Yeah, like $30k coverage...pays Like 90%..I'll look for a link

That looks good. I would have saved myself a lot of money if I had one of these plans. But I've had other animals that rarely had any health issues. Before the IG I had a German Shepherd that did not have a one single health issue. 10 years nothing, then he died of cancer. Went quick.

I guess it's a crap shoot.

Yeah that's the spot I'm in. I got my puppy from a breeder hopefully they've been breeding out the health issues.

My last mastiff had timidity
This guy is a summari Warrior

Following too...

We do, through Geico. It came in handy recently as our Pug had some sort of anxiety attack and literally scratched his eyes out. One had to be removed, and the other has very limited function. This happened on the weekend, so we had to use the Emergency Vet while always costs 50% more than the regular vet. 100% covered by insurance, I think our deductible is $150.

I also have a cheap plan that covers 1 wellness visit a year and $4000 for emergencies. That costs me $23 a month. The wellness visit alone is $200, so it works out.

I should probably get their car insurance too

My agent is a friend from High School. I wasn't aware they had pet insurance until he messaged me after seeing my post photos of the dog shortly after getting him.

I'm gonna ask my state farm guy about pet ins.

I think as a general rule, anytime you have to pay for insurance the insurance company is the only one that wins.. but..