Pet Insurance
10-02-2015, 04:09 PM
#12
Super Member
Join Date: Aug 2010
Location: Slidell, Louisiana
Posts: 6,951
Originally Posted by madamekelly
As a disabled person on a very low fixed income, vet insurance is not an option. $36 per month and a $250 deductible, would mean giving up frivolities like heat. When something happens, I just depend on my Karma to find a way to pay the vet. I should say that I have a great vet, who is wonderful about taking payments. My animals get all of their shots, check ups, flea control, chipping, and licensing, so I must do something right. I just took Eli to the vet yesterday and the bill is $308, so insurance would only pay $58, and when you subtract that from what I would have paid for a year, it just does not make any sense. The only thing covered by locally available vet insurance is vaccines and checkups, so it would only have covered a small part of the bill, but the deductible would mean I would still pay the whole bill.
10-02-2015, 04:49 PM
#13
Super Member
Join Date: Jul 2012
Location: Vancouver Island, Beautiful BC
Posts: 2,090
My thoughts:
Insurance companies are designed to turn a profit for their shareholders. To that end they budget on only paying out about 60% of the premiums they collect in any given fiscal year. The 40% covers their administrative expenses and shareholder profit.
The policy my Vet suggested for my son's kitten does not cover shots and check ups. If you do not get shots and check ups according to the insurance company's schedule, they will not cover emergency treatment.
I was reviewing the last 10 years of vet bills for my various cats and dogs. Check ups, shots and flea treatments average $300.00 per pet per year. I currently have three cats and one dog, so I budget for $1200 per year in regular care.
Emergency care has been needed for one dog and two cats over the years. On average it cost $1400.00 each. My dog is going in for dental surgery on Tuesday, the quote I was given is for between $700.00 and $1000.00, plus he needs his shots. This is not the same dog that had emergency surgery. I have a contingency fund set aside to help out if there is another emergency.
Touch wood, we have not had two pets need emergency care the same year.
All but one has been buried in the yard, when they died. It makes me sad that I will leave them when I move next year. Each one has a special plant. Cassie, my old dog died in late December when the ground was frozen, she also was over 60 pounds and I would have needed a really big hole. She, I had cremated. She I in a pottery urn on my hearth.
Insurance companies are designed to turn a profit for their shareholders. To that end they budget on only paying out about 60% of the premiums they collect in any given fiscal year. The 40% covers their administrative expenses and shareholder profit.
The policy my Vet suggested for my son's kitten does not cover shots and check ups. If you do not get shots and check ups according to the insurance company's schedule, they will not cover emergency treatment.
I was reviewing the last 10 years of vet bills for my various cats and dogs. Check ups, shots and flea treatments average $300.00 per pet per year. I currently have three cats and one dog, so I budget for $1200 per year in regular care.
Emergency care has been needed for one dog and two cats over the years. On average it cost $1400.00 each. My dog is going in for dental surgery on Tuesday, the quote I was given is for between $700.00 and $1000.00, plus he needs his shots. This is not the same dog that had emergency surgery. I have a contingency fund set aside to help out if there is another emergency.
Touch wood, we have not had two pets need emergency care the same year.
All but one has been buried in the yard, when they died. It makes me sad that I will leave them when I move next year. Each one has a special plant. Cassie, my old dog died in late December when the ground was frozen, she also was over 60 pounds and I would have needed a really big hole. She, I had cremated. She I in a pottery urn on my hearth.
10-03-2015, 08:42 AM
#14
Super Member
Join Date: Jul 2010
Location: Lebanon Missouri
Posts: 2,668
Talk to your vet. This pet insurance stuff is relatively new so a lot of vets don't take it. The paperwork is as confusing as people ins. and adds to their work load. My vet takes payments on larger bills. But only from long standing patients. She brought my Clem in to this world as a middle of the night emergency 18 yrs ago and she still gets excited when he visits her.
10-03-2015, 08:50 AM
#15
Power Poster
Join Date: Mar 2013
Location: Corpus Christi, Tx.
Posts: 16,105
I would do it if I had a Yorkie. My friend has had Yorkies for over 30 years and as soon as pet insurance became available she and her husband signed up for it. She had 4-5 at once for a couple years. Never bred always had them altered. If I were going to adopt a special breed and depending on their health issues, I would get pet insurance. Just really check out the policy. There's a lot they won't cover. Only way I would take a Yorkie or other special breed/needs dog would be if it were given to me. Not going to pay the price they want and turn around and pay more. Our dogs were given, rescued/adopted. Brutus our last one adopted us. He wouldn't let loose of my DH for nothing. Followed him everywhere and still does for the past 9 years.
10-03-2015, 08:53 AM
#16
Power Poster
Join Date: Mar 2013
Location: Corpus Christi, Tx.
Posts: 16,105
We cremated the last one our Bianca and the same will happen with the other 2 when the time comes, hopefully not for awhile.
Originally Posted by Tothill
My thoughts:
Insurance companies are designed to turn a profit for their shareholders. To that end they budget on only paying out about 60% of the premiums they collect in any given fiscal year. The 40% covers their administrative expenses and shareholder profit.
The policy my Vet suggested for my son's kitten does not cover shots and check ups. If you do not get shots and check ups according to the insurance company's schedule, they will not cover emergency treatment.
I was reviewing the last 10 years of vet bills for my various cats and dogs. Check ups, shots and flea treatments average $300.00 per pet per year. I currently have three cats and one dog, so I budget for $1200 per year in regular care.
Emergency care has been needed for one dog and two cats over the years. On average it cost $1400.00 each. My dog is going in for dental surgery on Tuesday, the quote I was given is for between $700.00 and $1000.00, plus he needs his shots. This is not the same dog that had emergency surgery. I have a contingency fund set aside to help out if there is another emergency.
Touch wood, we have not had two pets need emergency care the same year.
All but one has been buried in the yard, when they died. It makes me sad that I will leave them when I move next year. Each one has a special plant. Cassie, my old dog died in late December when the ground was frozen, she also was over 60 pounds and I would have needed a really big hole. She, I had cremated. She I in a pottery urn on my hearth.
Insurance companies are designed to turn a profit for their shareholders. To that end they budget on only paying out about 60% of the premiums they collect in any given fiscal year. The 40% covers their administrative expenses and shareholder profit.
The policy my Vet suggested for my son's kitten does not cover shots and check ups. If you do not get shots and check ups according to the insurance company's schedule, they will not cover emergency treatment.
I was reviewing the last 10 years of vet bills for my various cats and dogs. Check ups, shots and flea treatments average $300.00 per pet per year. I currently have three cats and one dog, so I budget for $1200 per year in regular care.
Emergency care has been needed for one dog and two cats over the years. On average it cost $1400.00 each. My dog is going in for dental surgery on Tuesday, the quote I was given is for between $700.00 and $1000.00, plus he needs his shots. This is not the same dog that had emergency surgery. I have a contingency fund set aside to help out if there is another emergency.
Touch wood, we have not had two pets need emergency care the same year.
All but one has been buried in the yard, when they died. It makes me sad that I will leave them when I move next year. Each one has a special plant. Cassie, my old dog died in late December when the ground was frozen, she also was over 60 pounds and I would have needed a really big hole. She, I had cremated. She I in a pottery urn on my hearth.
10-03-2015, 10:13 AM
#18
Super Member
Join Date: Jul 2010
Location: Central Willamette Valley, Oregon, USA
Posts: 7,695
Originally Posted by Tothill
My thoughts:
All but one has been buried in the yard, when they died. It makes me sad that I will leave them when I move next year. Each one has a special plant. Cassie, my old dog died in late December when the ground was frozen, she also was over 60 pounds and I would have needed a really big hole. She, I had cremated. She I in a pottery urn on my heart.
All but one has been buried in the yard, when they died. It makes me sad that I will leave them when I move next year. Each one has a special plant. Cassie, my old dog died in late December when the ground was frozen, she also was over 60 pounds and I would have needed a really big hole. She, I had cremated. She I in a pottery urn on my heart.
10-03-2015, 05:11 PM
#20
Super Member
Join Date: Sep 2010
Location: Upper Michigan
Posts: 8,248
I looked into pet insurance , doesn't cover a lot , I make sure she gets quality food, I add pure pumkin to aide in digestion, brush her teeth almost daily, walk her in good weather, maker her her owN dog treats. Vet said she's very heathy, hope she stays that way
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