Pet Insurance - for two beagle pups - Regular maintenance?

Question

I have to make an appointment for them to get shot... 12 weeks and 16 weeks.
I am wanting to get them on some sort of insurance that will take care of all vaciinations and vet visits PLUS spading them at 6 months - Does anyone know about this?
After that I will seek for long term health...

Answer 1

Pet insurance will not cover routine care such as vacinnations or spaying and neutering. It is designed for situations where your animal is ill or injured. Also, deductibles are generally high. From what I understand, unless your pet requires major surgery or something like chemotherapy or radiation treatment for cancer, pet insurance is usually not worth the cost. After looking into it a few years ago, I decided to pass.

Answer 2

You do not need insurance for vaccinations and spaying/neutering. If you know you're going to incur the costs then you don't need insurance, you need a savings account.

Think about it: you know your car needs an oil change every 5,000 miles, do you claim that on your auto insurance? No, they don't even cover it because if every driver in the country expected this then your premiums would be way higher.

Insurance is for the unknown, the unforeseen, the unplanned, the unexpected. Routine care doesn't really fit into this category.

The fact that your health insurance pays for these things is a byproduct of our ridiculous health care system.

Answer 3

Usually WITh the regular pet insurance, you can get the "routine care" rider...costs extra....that give you an allotment for the rountin care each year. They do NOT pay for the entire thing. They also give an allotment for spay/neuter. All this is usually another $99 or so in addition to the regular policy.
In the long run, it may be cheaper to pay the routine bills yourself and get the insurance for the emergency care.