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Pet Insurance ?





Daisie
have you got a pet insurance? Do you think it's worth it?

We dont have any for our cats but our new puppy came with one, valid for a year, and now we are debating wether to take one for all of them...

Our cats have never been into any trouble but, like my friend say, it take only one car... ( Shocked )

Hugs
DILLIGAF
I've considered it before but I don't have any pets currently (the X got them). I had a friend with a Scottish Fold cat and he was always getting sick and it got very very expensive for her after a while, and she discussed getting some...

I think MetLife offers a pretty good plan. I'd say just check it out and see if it's something you can afford, and then think about how old yr pets are and how likely you are to need such a thing. I'm pretty sure it's all reimbursement based, not like going to the regular doctor and them filing the claim for you, so there will be some forms and hassles for you.
.ZR.
If I had the money for pet insurance I'd probably get it for my cats. Only because I know at least two may need dental work done in the future because bad teeth seems to run in the family (the two are my cat and her son). Vet visits are really expensive, especially when blood work and surgery is needed. But I've been lucky so far; aside from the vet who told me my cat had kidney problems and would probably die in the next year or two..
But. He lied.

One of the older cat's teeth has fallen out, though. And she needed to go on antibiotics for a week because of infection.

But like Dilligaf said; it does depend on if you can afford it and how much medical treatment your pets may need at any given time.
ocalhoun
Insurance for your pet may seem a bit frivolous, but really it's just like another kind that has been around for a while now: horse insurance.

It surely wouldn't make much since for a stray cat you've taken in, but if your pet is worth thousands of dollars, it can be a very wise thing to do, even if you only look at it in a financial view.
Captain Fertile
If you can afford it I would say yes get it.

If you want to do everyhitng possible to keep your petty, happy, healthy and alaive yes do it.

Personally I would never get a pet unless I knew I could afford Insurance for them. It is a load of your mind and it can take quite small things to run up huge bills.

Make sure you shop around and check what your insurance includes, there are some real bargains to be found out there.

That all said, I hope you never have to use it. Very Happy
pashmina
what a crazy thing to do. Will the insurer agree to sign up this agreement, because the lifespan of pets are likely to be less, not talking about tortoise and elephants which lives long.
May be health insurance is ok for them.
Daisie
Thank you for your imput.
I shop around and see if it's not to expensive...
All my animals are rescued from various center but they are still worth a fortune to me Wink
Maybe i ll get a bundle price, insure the cats, the guinea pigs come free !
(yeah i know i can dream...)
woundedhealer
Just imagine if your pet got sick or injured and you couldn't afford the vet bill and you had to have it put down.....

I've got a dog and I know if she get's sick or ill it'll cost me 50 in excess. That 50 is in the bank, and as far as I'm concerned, that account has got 50 less in it than my statement says.
jlg421
We (my boyfriend and myself) just adopted a cat from a local pet rescue, and they tried to sell us on the idea of pet insurance. When they were explaining it to us, I was simply sitting there thinking: Why in God's name would I need insurance for my cat? My cat isn't going to crash my car or end up in the hospital - at least, I hope not. So we declined the pet insurance they were offering us, and I felt completely smart about it and completely comfortable with not having the insurance.

Then my mother and step-father pointed out that they didn't have pet insurance on my Labrador, Harley, and she ended up miserably sick: she slipped a disk, which caused huge spinal problems, which in turn paralyzed her, which led to weeks of veterinary hospitalization and surgeries, culminating in her death. They were saddled with huge bills - all because they didn't think pet insurance was a good investment.

Needless to say, they have two dogs at home, another Lab and an Airedale, and both of them are fully insured... which is fortunate, because the Labrador requires daily shots (she's diabetic) and daily medication (she had thyroid problems). They suggested we take out the insurance on the cat, just for our peace of mind.

I got on the phone the next morning and bought the pet insurance. I figure, its a very small price to pay in the event something does happen: at least I know I won't be responsible for all of the bills. Smile
woundedhealer
Not having pet insurance is a false economy, it would break my heart if I had to have Shelly out down because I couldn't afford the vet bills. Thankfully that will never happen
Daisie
I got everyone insured now. I think you are right, it's a good peace of mind to know that no matter what happen we can "afford" the bills.
silentdae
My mother's job actually comes with pet insurance. She works at a federal credit union. We've yet to use it though, we just got a cat about two weeks ago. We'll be taking her to the vet soon.
neljx
Looking at current veterinary costs, it is probably irresponsible to own a pet and NOT have pet insurance. I'd hate to have to make a decision regarding my dogs health based on finances...

We have two dogs and bought the best policy there is. Go figure - the one has only ever been to the vet to get inoculations.. the other tore a ligament in her leg, had to have x-rays and an operation, about 1500 in total, and before that, she got pyometra and had to eventually be spayed - total cost for this was about 700. Would I have been able to afford this without insurance? No, but I'd have had to get a loan to pay for this. With the insurance comes peace of mind.

When choosing pet insurance, read the small print, don't go for the cheapest, you'll find they often only cover an illness for 1 year after which it is excluded. The more expensive plans don't exclude and you can also be assured of good cover when your pet gets elderly (which is often when you most need the insurance!)
Idoru
Hm... intresting to read this topic with an international focus. Or, rather a focus from
economic system different then the our counrty uses, Sweden, that is.

We are a family with quite a few pets, and care big time for their well beeing.
At the moment we have six cats and four rabbits, thinking of a dog. The rabbits
aren't insured, due to their short life-span and lack of research of the illnesses they
can get. We let the cats have kittens sometimes, and one of the demands when selling
them is that they get insured. We participate in a national forum dedicated to
cats, and the common opinion is that insurance is a must-have. We have an insurancecompany
specialised in animals, and to get a basic vet-insurance isn't to expensive.

Personally I'd say that the choise is obvious, since you take the pet in as a member
of your family. If your purse isn't deeper than most's an insurance give you an alternative
if something goes wrong. An alternative you most certain would regret not having
if you where to cheap to get an insurence for starters.

Let's not forget, we are talking about lives here, and taking responsibility for one isn't to
take lightly. There are obligations to it, as I see it, wich of one is providing for
the little one. If your not able to, perhaps your better of at the Zoo or watching discovery-channel.
chrillo
Too expensive
neljx
chrillo wrote:
Too expensive


Hmm yes, very expensive. However if I add up the amount spent on the premiums over the past couple of years and compare that to the amount the insurance paid out on vet's fees in that same period... I come out WELL ahead.

It is a choice you make when you have the RESPONSIBILITY of owning and caring for a pet... can one afford the best medical care when things go wrong without insurance? I can't - therefore I choose to pay for insurance in monthly installments. And I know I will be able to make a medical decision based on what's the best option for my pet, and not based on my personal finances.
woundedhealer
neljx wrote:
chrillo wrote:
Too expensive


Hmm yes, very expensive. However if I add up the amount spent on the premiums over the past couple of years and compare that to the amount the insurance paid out on vet's fees in that same period... I come out WELL ahead.

It is a choice you make when you have the RESPONSIBILITY of owning and caring for a pet... can one afford the best medical care when things go wrong without insurance? I can't - therefore I choose to pay for insurance in monthly installments. And I know I will be able to make a medical decision based on what's the best option for my pet, and not based on my personal finances.


I totally agree that it's the responsible thing to do. When I was ready to have another dog, I would not get one until I was sure I could afford insurance. There's a 50 excess to pay with my dog's insurance and I always keep 50 in the bank for that use.

People buy expensive things for their dogs which the dogs don't need and either say insurance is too expensive or they can't be bothered. I would rather go without things myself, and have done, than default on the insurance.

When we chose to take a pet into our homes we take on certain resposibilities, one of which is to provide them with healthcare and if we can't afford to pay out hundreds or thousands of pounds, dollars, euros etc., we should take out insurance.

Insurance doesn't only cover medical expenses, it also covers things like rewards if our pet is lost, money to buy a new pet if they can't be found, cover for lawsuits if our dogs damage something or bites someone.
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