Do You Have Dog Insurance?

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by Two Moons on 12 June 2010 - 16:06

Peace of mind would be money saved and set aside, not feeding the devil.

9 of 10.

Don't know why I bother other than just sitting here with a keyboard in front of me.

At some point common sense must prevail.
But sadly it never does.

by Vixen on 12 June 2010 - 16:06

Like I said, 'saving' was something I considered (and other dog owning friends have considered), but IF an unknown health situation occurred, the money saved would undoubtably be insufficient.

Not sure what fees are like in the US but the UK (and varies in locations) are extremely high. (It was also possible with another breed of dog I owned to consider the removal of Cateracts at a Specialist Hospital, the cost would have been huge, but would have been covered).

We all make our own personal and best decisions possible for the welfare of our dogs.

Two Moons, please remember this is not a competition for who or what is right regarding this subject, because there is no safe-guard or certainty regarding health. Neither, do you have the exclusive rights on "Common Sense".

Vixen

by Two Moons on 12 June 2010 - 16:06

Vixen,
every time you post something you simply blow me away.

Usually I try to keep my thoughts to myself but some days I don't.

It's not a competition at all.

I do see your point about your need for peace of mind.

Sorry,
I disagree with you.

Moons.

by Vixen on 12 June 2010 - 17:06

Two Moons, Do I take' "blow me away" as a compliment?????? ;) LOL

What we think, and say and do is our own personal responsibility to ourselves and others. Whatever your thoughts on: "everytime I post something" is obviously personal to you, and will have no influence or concern for anything I participate in on this Board.

At least we agree to disagree on this particular subject.

Vixen

by Bhaugh on 12 June 2010 - 18:06

I have a sick rescue dog that Ive spent hundreds of dollars on. I have thought and still do about getting pet insurance. But the problem for me is that its pricy AND you have to pay up front at the vet then be reimbursed from the insurance co. If I had the money in the first place then I wouldnt need pet insurance. Luckily for me my vet allows me to make payments so I could get reimbursed then turn around and pay the vet off.

I know the plans here in the states cover things that I dont do like yearly vaccines. My dogs only go to the vet to be altered or as an emergency. Anything else I treat at home. It would be a nice if i needed it. Right now however I cant afford it.

by LynOD on 12 June 2010 - 21:06

I have pet insurance for my dogs and it has come in handy for one of them, the other I really have never used it. We all want healthy dogs but you never know when something might happen. I ended up with a not healthy dog EPI, Pannus, spondylosis, and hip dysplagia. This was a competition dog so I wanted the best for her. I just spent 3500 on stem cell implantation for her, waiting to see if it helps. That procedure was not covered , but everything else she has had done over the years has been, the insurance helped.

I agree that insurance can certainly be a racket though. But it does give me some peace of mind.

Lyn

by muldoon on 12 June 2010 - 22:06

I agree with Moons, and in the past Ihaven't had the income to pay out in case of emergency, so insurance has been helpful. However, I find the cost increasingly high - the last insurance quote I got was higher than for the life insurance I have for both me and my partner. Plus the excesses seem to have increased with many companies - e.g. £60 excess and 10% of bill. Give me a break. So the smaller costing things you end up paying for yourself and these can be frequent if you're unlucky (e.g.rashes, infections etc). I've decided to put money away each month (for dog and car!) in case of an emergency and I have a credit card I never use which if worst comes I will just have to think about using. On a more philosophical note I also think we have to be careful about the 'selling' of some medical interventions when it may be best to simply ensure they have as good a quality of life as possible and sometimes accept what nature throws at us, even it means we can't keep these angels alive as long as we would wish.

by Liesjers on 12 June 2010 - 22:06

I have renter's insurance that covers my liability for having dogs (my provider does not discriminate against GSDs or care that Nikon does Schutzhund), but no vet insurance. Our Schutzhund club also has it's own insurance.

by Two Moons on 12 June 2010 - 23:06

You let the Insurance industry get a foot hold in the world of animal medicine and you'll not be able to afford to go for simple shots and check-ups.
And major problems will equal what you'd pay for human care in a major hospitol.

Haven't you had enough already?

It's nothing personal Vixen, do what you like.

We will usually disagree.

Moons.

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