Pet insurance

[carlh]

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We just got a puppy and she likes to eat things so thinking we should buy some insurance in case she gets sick or hurt. Any recommendations on companies or how much coverage we need?</p>
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[Shredhead]

Personally, I'd just bank the money.

[Fishskisurf]

Trupanion has been solid for us. A vet friend advised for a high deductible/low monthly payment plan, only for use in emergency/oh$h!t moments. Its ~ $90 a month so fair point from above poster, probably tallys ~$10k over the life of the dog but its been a godsend for us. Our pup fighting cancer and the tab for that is well above what weve spent on 3 years of monthly payments, Trupanion has covered 90%.

[dan_pdx]

Had a very good experience with healthy paws, but yeah, you could bank the payments and have a good shot at coming out ahead. Having said that, we were glad to have it after cancer treatment for our old gentleman

[hutash]

I have never been a supporter of pet insurance. I figured it just added a whole giant layer of bureaucracy and costs, but then I always made it a point to keep my fees affordable. The reality is vet fees are increasing at an alarming rate, so now that my wife and I are both retired vets, we have insurance since we have two idiot retrievers.

I do not know anything about the various companies since my wife who worked for several years after I retired and insurance became almost a necessity dealt with them more. It has become a much bigger industry since I retired a few years ago.

When I was practicing I was never very impressed by pet insurance. The coverage was never very good, and I saw too many clients with insurance still could not afford treatment even with insurance.

[fbw360]

We have had an excellent experience with Healthy Paws. 90% coverage (waived the additional add-on to cover preventative care) comes out to $50 a month. Your rate is locked and does not increase regardless of usage. It can feel bad that preventative visits (vaccines, annual checkup, etc) are not covered - the add-on is like $15-30 more per month and when I ran the numbers you should just bank that money and pay for vaccines/annual checks out of pocket - but it is meant for the big emergencies.

Our pup is a silly man and broke his leg right around the 1 year mark and off of that single incident the insurance has basically already paid for itself for his entire lifetime (close to $14k reimbursed in surgery fees and imaging. It was more expensive due to complications but even the initial procedure was $7k). Reimbursement is as easy as uploading receipts in the website and we received reimbursement funds within a week. Did not even have to talk to a person on the phone.

We are newer pet owners so dont have context on what insurance was like in the past, but I absolutely would recommend insurance based on the current offerings. Even from the perspective of just the peace of mind it offers to just be able to say yes to whatever medical recommendations are made without a second thought.

[carlh]

The accident or cancer threat is the real reason for this insurance. Sounds like good experience with healthy paws. I will check them out. Was also looking at lemonade and Fido.

[Cono Este]

I’m thinking, it’s got to be terrible bang for the buck. Do the math.

[lifelinksplit]

Fuck off st Louis insurance guy.

But maybe buy some rez dog insurance if you find your crazy dog with a knife..

He might shank ya.

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[jm2e]

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Everyone says just bank it until you need it. Then they come in here and scream bloody murder about how they did not realize surgeries and cancer treatment cost thousands of dollars. Inevitably that leads to questions about whether they are getting scammed and debating whether to skip on care for their pup.</p>
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We have Trupanion and have used it a few times. You are still gonna pay a percentage of the total cost, so it will hurt regardless. But surgeries are expensive and overnights in ICU are expensive. Getting a couple grand back from the insurance company with no bullshit has been my experience. And compared to what I am currently dealing with for my own personal medical and dental, the pet stuff was a breeze.</p>

[St. Jerry]

Got it with a high deductible. Basically, the kids would forever hate dad if he doesn’t want to pay $15k+ to “save the dog” should he get really injured or sick. But now have the insurance to avoid that predicament.