Pet insurance
Anyone with thepersonal pet insurance and have any feedback?
The Silver package doesn't seems bad with $700 dental care.
The Silver package doesn't seems bad with $700 dental care.
Pet insurance
- Last Updated:
- Oct 31st, 2021 11:01 am
Tags:
- SCORE
- zzricezz [OP]
- Deal Addict
- Feb 4, 2003
- 3376 posts
- 1782 upvotes
15 replies
- Blanche123
- Deal Addict
- Jan 28, 2014
- 3819 posts
- 935 upvotes
- Toronto
Not enough details.
- BDSL
- Deal Addict
- Sep 22, 2009
- 3241 posts
- 2107 upvotes
- Markham
Not another insurance thread.....
- xxxray
- Deal Addict
- Jan 19, 2008
- 1585 posts
- 1390 upvotes
- Etobicoke
- BDSL
- Deal Addict
- Sep 22, 2009
- 3241 posts
- 2107 upvotes
- Markham
People are getting lazy at researching....they want everything to be spoon fed....
- XtremeModder
- Deal Guru
- Aug 14, 2007
- 12233 posts
- 3223 upvotes
- --
We just got a puppy, for what I would pick myself if comes out $833/year to be covered for $2500 and I believe the deductible was $200
For some that may seem good, but I'd rather put $2500 off to the side now and bank $833/year over 3 years and see what happens, if nothing happens in 3 years ill have $5000 off to the side and lock it at that for vet expenses.
For some that may seem good, but I'd rather put $2500 off to the side now and bank $833/year over 3 years and see what happens, if nothing happens in 3 years ill have $5000 off to the side and lock it at that for vet expenses.
- zzricezz [OP]
- Deal Addict
- Feb 4, 2003
- 3376 posts
- 1782 upvotes
I end up going with trupanion because of the friends stories and how much they had to spend. These are extreme cases but 1 friend paid $8k a year and another had spent $30k in just 2 month. You might be lucky and nothing happens but if something does, I don't want to be put in a position to pick between money or the treating the dog.XtremeModder wrote: ↑ We just got a puppy, for what I would pick myself if comes out $833/year to be covered for $2500 and I believe the deductible was $200
For some that may seem good, but I'd rather put $2500 off to the side now and bank $833/year over 3 years and see what happens, if nothing happens in 3 years ill have $5000 off to the side and lock it at that for vet expenses.
Another good point my friend made was trupanion is unlimited claim amount and there it hedged against inflation, where as if I picked thepersonal, it 4k per condition annually but 10 years from now 4k isn't the same as 4k now.
- XtremeModder
- Deal Guru
- Aug 14, 2007
- 12233 posts
- 3223 upvotes
- --
Have you had to use it yet? It sounds like your 2 friends purchased very sick animals but I dont know.zzricezz wrote: ↑ I end up going with trupanion because of the friends stories and how much they had to spend. These are extreme cases but 1 friend paid $8k a year and another had spent $30k in just 2 month. You might be lucky and nothing happens but if something does, I don't want to be put in a position to pick between money or the treating the dog.
Another good point my friend made was trupanion is unlimited claim amount and there it hedged against inflation, where as if I picked thepersonal, it 4k per condition annually but 10 years from now 4k isn't the same as 4k now.
For me I'll take my chances, I'll be getting the next shot of vaccines this week coming up and I'll see what the vet has to say
- zzricezz [OP]
- Deal Addict
- Feb 4, 2003
- 3376 posts
- 1782 upvotes
Nope, cause mine is also a puppy, and my friends dog are older in age. Just as human, dog will develop conditions as they age. And once a pre-condition is diagnosed, insurance will no longer cover it if you then want to enroll.XtremeModder wrote: ↑ Have you had to use it yet? It sounds like your 2 friends purchased very sick animals but I dont know.
For me I'll take my chances, I'll be getting the next shot of vaccines this week coming up and I'll see what the vet has to say
- BDSL
- Deal Addict
- Sep 22, 2009
- 3241 posts
- 2107 upvotes
- Markham
I need context. Exactly what were wrong with your friends' dogs? Were they fed with proper food and right amount? Were they exercising regularly? Were they hit by a vehicle?
How much insurance you have to pay for how much coverage?
- djdestroyer
- Deal Addict
- Jul 10, 2014
- 3463 posts
- 1606 upvotes
- Ottawa, ON
Love my dog for but for $30k, I'll be letting it go. Sorry to sound cold but that's just the hard truth.zzricezz wrote: ↑ I end up going with trupanion because of the friends stories and how much they had to spend. These are extreme cases but 1 friend paid $8k a year and another had spent $30k in just 2 month. You might be lucky and nothing happens but if something does, I don't want to be put in a position to pick between money or the treating the dog.
Another good point my friend made was trupanion is unlimited claim amount and there it hedged against inflation, where as if I picked thepersonal, it 4k per condition annually but 10 years from now 4k isn't the same as 4k now.
- XtremeModder
- Deal Guru
- Aug 14, 2007
- 12233 posts
- 3223 upvotes
- --
Its not even just that. At some point the animals quality of life probably isn't that great.djdestroyer wrote: ↑ Love my dog for but for $30k, I'll be letting it go. Sorry to sound cold but that's just the hard truth.
I remember when an old friends sister spent $10,000 on an American bull dogs (I think) issue with its back legs. One week after surgery the dog died.
That aside, our pup just had its 3rd set of shots (lime disease for the 3rd one) and the vet did am exam and said everything is perfectly fine, nothing to worry about. The dogs happy and running around like crazy. Hoping I won't regret not taking the insurance but whatever.
- gr8dlr
- Deal Expert
-
- Sep 1, 2005
- 18579 posts
- 13388 upvotes
- Markham
We're all bozos on the bus until we find a way to express ourselves...
Failure is always an option...just not the preferred one!
Failure is always an option...just not the preferred one!
- TheSlav
- Deal Fanatic
-
- Mar 17, 2006
- 5757 posts
- 4095 upvotes
I’m with them. It’s a meh insurance, haven’t had to use hm yet thankfully. I only got the instance after my dog had to have surgery and I saw the vet bill…
- Hood_Rep
- Deal Addict
- Oct 21, 2006
- 1146 posts
- 654 upvotes
anything above $5K in vet expense even with insurance is best to let go and donate the money to a human charity like SickKidsdjdestroyer wrote: ↑ Love my dog for but for $30k, I'll be letting it go. Sorry to sound cold but that's just the hard truth.
- Blanche123
- Deal Addict
- Jan 28, 2014
- 3819 posts
- 935 upvotes
- Toronto