Comments on: Where to find Pet Insurance

By: MJTM

MJTM — Thu, 06 Sep 2012 04:01:52 +0000

The Wife and I have a VPI plan which we are happy with. I pay about $50 a month but have a very good reimbursement rate (although I wonder if the reimbursement rate plus the monthly fee adds up lol).

The reason I bought it for the very simple fact that I do not want to be forced to decide on an emergency surgery or my bank account.

By: DC @ Young Adult Money

DC @ Young Adult Money — Thu, 06 Sep 2012 03:11:52 +0000

In reply to Eyesonthedollar. @Eyesonthedollar Ah I see, yeah definitely would want to make sure the vets are "in-network" haha.

By: Eyesonthedollar

Eyesonthedollar — Thu, 06 Sep 2012 03:08:06 +0000

That’s smart to look into insurance options. Make sure the vet you use is a provider. Most of the vets where we live don’t take it, but we live in the boonies! Our dogs always do stupid things that probably wouldn’t be covered anyway.

By: DebtKiller

DebtKiller — Tue, 04 Sep 2012 23:32:53 +0000

This hits home with me. I have two big dogs. When they we puppies, I opted for pet insurance through one of the plans you detailed. It ended up costing me $46 per dog, per month. Yes, $92/month. That equates to just over $1,100 per year. Needless to say, it was cancelled after the first year. I wasn’t spending anywhere near that amount at the vet’s office. And let’s not forget deductibles, co-pays and certain things that were NOT covered. Like others have already mentioned, I have set-up a “pet emergency fund” that I contribute to with each paycheck. I pray I’ll never have to use it, but it’s certainly better than paying nearly $100/month..

By: DC @ Young Adult Money

DC @ Young Adult Money — Tue, 04 Sep 2012 22:32:47 +0000

In reply to Money Life and More. @Money Life and More Well it's called insurance for a reason haha. It's to insure you against having high payments. The expensive plans essentially cover everything...

By: Money Life and More

Money Life and More — Tue, 04 Sep 2012 22:29:42 +0000

My dog has severe allergies and I bet they wouldn’t cover a lot of the treatments she’d need or the plan would be really expenses. We’re looking into potential allergy testing $200-$400 just for the test then anywhere from $100 a month in the beginning down to $25 a month toward the end for her allergy vaccine medicine…

By: DC @ Young Adult Money

DC @ Young Adult Money — Tue, 04 Sep 2012 22:17:55 +0000

In reply to moneymatters. @moneymatters It sounds like you have looked into it before? I found these three companies to be a little more straightforward than the ones I left off. I understand your point that you might not know what is covered, but that comes with ANY insurance. I work in health insurance and honestly it's just a little complex and most people don't look into their full plan until something happens. I like the emergency fund idea but....I think you should insure UNTIL you have an emergency fund, since you'd be sitting with no reserve for a catastrophic event.