Would you pay for your Pet to have Pet Insurance?

Answer 1

I've checked in to this several times for my dogs (3 chinese crested's). Everytime I compare the cost of the insurance against what it will pay, I find that I am either swapping $ with the ins co or will be in the whole unless something really bad happens.

Answer 2

I would ABSOLUTELY get the pet insurance. If you can afford it, the monthly premium is nothing compared to what you'd pay if for any vet visits. I only pay like $11 a month! That's like 1 meal you sacrifice! I adopted my cat from the local Humane Society. As most kittens do, he had worms and a skin problem. With the insurance, I have a $50 deductible. But his 1st vet visit alone was over $200 for the tests and meds they give. With my insurance, he qualifies for a discount because he's microchipped. That means they automatically approve emergency expenses in the event he's lost and hurt. They also assist with advertising costs if he gets lost!!! You can't beat that. If you're thinking about investing time, love, and money into an animal that will keep you company for years to come, then why wouldn't you want to protect them as best you could?? I'm a total advocate for Pet Insurance!!

Answer 3

Absolutely, we have two cats and two horses, and with only a co-pay on both policies its better than paying the whole bill. My horses cost me more but I only pay a small co-pay and the rest is taken care of by the insurance company, same with our cats. As for the comment about people getting insurance before animals, if you don't have coverage you're probably in that situation by choice. Because insurance is available to EVERYONE. If it costs too much, give up something you "like" for something you "need".

Answer 4

Hi peanut Butter, Most of the General Insurance companies providing pet insurance policies. Consider dog as your pet you have to pay premium for getting insurance for your pet. Along with this you have to provide once certificate from veternary doctor which consist your dog have good health profile. One colour photograph of your pet shuould be submitted. Insurance company people take nose print of your dog. This nose print will be useful for claim settlement in the case of accident or sudden death of your dog. You will get third party liability also. ( if your dog wounded any persons, Insurance company will bare expences of hospitalization of wounded person)

Answer 5

We have Pet Insurance on all 6 of our dogs & all 8 of our horses. There are some Veterinarians who will not accept it, but ours has no problem with it & it helps us keep our vet bills from being out of control. The dogs aren't the problem, but horses for some reason usually get themselves into something or another. Luckily none of our animals have ever had anything life threatening or major......Knock on wood!!!!

Answer 6

I'm with Carol! After having lost a dog to cancer *after* he was hit by a car (and survived), I am happy to pay the 30-something a month I pay to know that if there's a thousand dollar plus vet bill looming in my future that I'm not alone in paying it. (Those kinds of vet bills are not uncommon now with all the medical advances -- I heard one fellow's story earlier this month where he had spent $13,000 on his pup. No savings account is going to do that for my family, that's for sure.)

Having insurance for my dog is like having insurance for everyone else in my family. Hopefully I'll never have to use it (as in the case with cancer), but if I need to, it will be there.

I have heard that premiums increase as the dog ages, but that's true with human insurance, as well, and many, many pups make vet trips for things they have swallowed, etc. You just never know when your number is going to be up and the big accident or illness will happen. Accident-only plans are available, too, for like $6/mo., but we wanted the whole enchildada.

We went with Pets Best because of their high limits. (I think that's what several of the others were referring to, so it paid for us to do our homework.)

p.s. I've never heard of such a thing in terms of taking a dog's noseprint. really. pffffft.

Answer 7

I agree with mei-lin I have looked into it extensively and in the end you end up paying more in premium than you would ever recoup on a claim. My advise would be just to put the amount you can afford to pay in premium in a rainy day account and pay your vet bills out of that!

Mei-lin I also have cresteds, aren't they great!

Answer 8

yes after losing a family dog I will never not have insurance because just like you or a child dogs get sick also and the cost can be tremendously high

Answer 9

Not a chance - the costs are horrendous, and the older they get, the more it costs - and look at the 'exclusions', mostly for treatments you would want them to have !

In the UK - take them to the PDSA (Peoples Dispensary for Sick Animals)

I've always had animals but never had insurance - and have never needed it.

Answer 10

Only after every human being has insurance first.