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Registered
Join Date: Aug 2003
Location: SF Bay Area
Posts: 7,951
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Pet insurance?
Did you buy pet insurance for your dog or cat? We just bought a pup and wifey thinks we should have medical insurance for Phoebe, our GSD/Labradoodle. We never purchased insurance for our previous pets but that was over 20 years ago. Seems everyone pet owner we meet nowadays has it. What about you?
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11-03-2021, 03:36 PM
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Join Date: May 2017
Posts: 15,530
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Nope. I told my mutt a grand was my limit. She understands the consequences.
I did just spent 900 on some dentistry, tag removal, updated shots, and a biopsy on one of the nasty looking tags. I told her she was pushing the limit. Last edited by Sooner or later; 11-03-2021 at 03:53 PM.. |
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11-03-2021, 03:46 PM
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Join Date: Apr 2002
Posts: 30,425
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I know I'm not being helpful..... but WTF
 ?Must be a CA thing.... Pics of the GSD/Labradoodle please  ....
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11-03-2021, 03:49 PM
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Registered
Join Date: Jun 2000
Location: bottom left corner of the world
Posts: 22,718
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I wish I had with my pet cat.
An SPCA boy, got the cat for free but cost me over $4,000 in the first year. Eye operations and knee op'. |
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11-03-2021, 04:36 PM
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Registered
Join Date: Dec 2016
Location: Napa
Posts: 2,234
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Ridiculous, health insurance for a pet? absurd. Must be an only in California thing because I have it. Our dog is my wife's baby so I have no say in the matter
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11-03-2021, 06:15 PM
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Now in 993 land ...
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I checked into it long time ago. Makes little sense if you have a savings account for emergencies. I found there were deductibles and limits to the plans available. And like with all insurance, they will be happy to collect every month but you have to chase after them to get paid. Generally dogs are healthy early in life and if they get a bad illness when they are older, IMHO you have to say good bye not just for financial reasons but also in fairness to the dog.
I also see people that want only the "best" for their pet, which often translates to high vet bills. Most vets will upsell all day long if you are ready for it. In my area people sometimes boast with their vet bills, like Ferrari guys do with their maintenance bills.  G |
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11-03-2021, 07:17 PM
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Registered
Join Date: Jun 2007
Location: Lake Oswego, OR
Posts: 6,056
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First. I sell insurance. So I have a perspective on this.
Second. Notice how the prices really don’t increase? That’s because someone is making bank on this. Just like dental and vision insurance. All are nothing more than negative interest savings accounts. |
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11-03-2021, 07:42 PM
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It'll be legen-waitforit
Join Date: Jan 2002
Location: Calgary, Canada
Posts: 6,975
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Our quote was for $65 per month and Cheyenne didn’t get knee surgery until she was 9. It was $6k so no wasn’t worth it. She lived to 11 without any other issues
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Bob James 06 Cayman S - Money Penny 18 Macan GTS Gone: 79 911SC, 83 944, 05 Cayenne Turbo, 10 Panamera Turbo |
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11-03-2021, 10:10 PM
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Join Date: Dec 2017
Location: Opelika, Alabama
Posts: 4,925
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I can get it through my insurance at work but, not doing that.
Sent from my SM-N950U using Tapatalk
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"A little nonsense now and then is relished by the wisest men." Wonka |
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11-03-2021, 10:35 PM
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Registered
Join Date: Aug 2003
Location: SF Bay Area
Posts: 7,951
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Quote:
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11-03-2021, 10:39 PM
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Registered
Join Date: Dec 2016
Location: Napa
Posts: 2,234
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Holy moly that's a cute puppy
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11-03-2021, 10:53 PM
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Join Date: Apr 2002
Posts: 30,425
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Quote:
Seriously though.... I don't need insurance to cover items except for catastrophic events. I told my pup that 5K was my absolute limit .... she told me I wuz FO$ .... I think she was spot on... I have brown eyes .... but hers are green Luv my Lab... she's priceless... What a cute pup! |
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11-04-2021, 01:39 AM
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Been here a while
Join Date: Apr 2004
Location: East coast, west coast, typ. 35,000 ft
Posts: 2,433
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Yes, petplan. Our recently departed black lab, Ruby, needed two torn ACL surgeries when she was less than 2. Petplan covered it, and we ended up ahead with the policy.
She ended up with a variety of allergies and other minor health issues, we were visiting the vet on average every 3-4 months, and we’re reimbursed for most visits. Our 5 year old lab is similarly insured but hasn’t needed it. She doesn’t have the allergies and her knees are doing ok. So, petplan is ahead with us, but not by much. Your mileage will vary.
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looking for 1972 911t motor XR584, S/N 6121622 |
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11-04-2021, 02:18 AM
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Registered
Join Date: Dec 2002
Location: Dahlonega , Georgia
Posts: 14,584
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Lifetime dog owner here and never had pet insurance . In my opinion you are better off investing monthly in a savings account letting it build up to cover vet bills. Generally speaking you will sock away $$$ while the pet is younger and then chip away as pet gets older .
Put away 100.00 a month that's 1200.00 a year . If you have the discipline to do that EVERY month you should be set for most future issues . And if your pet stays healthy until the end you have savings for yourself . A win/win in my opinion .
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2002 Boxster S . Arctic silver + black top/int. Jake Raby 3.6 SS engine " the beast ". GT3 front bumper, GT3 side skirts and GT3 TEK rear diffuser. 1999 996 C4 coupe black/grey with FSI 3.8 engine . Rear diffuser , front spoiler lip with ducktail spoiler . |
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11-04-2021, 03:16 AM
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Join Date: Apr 2002
Posts: 30,425
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^^^^ This. It's not just pets either... applies to virtually everything that one can "self insure" and cover the expense of the unknown. I just do what I'm very comfortable doing with lots of stuff.... YMMV.
A pet's medical bills are just part of the deal .... Woof !
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11-04-2021, 03:27 AM
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Registered
Join Date: Aug 2003
Location: SF Bay Area
Posts: 7,951
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Great advice to self insure. Thanks all!
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11-04-2021, 05:36 AM
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Parrothead member
Join Date: Jul 2003
Location: Monmouth county, NJ USA
Posts: 13,829
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We looked into it. Unfortunately never got it. Was too much "fine print" on what was actually covered.
Between my Sydney with his cancer, Belle with her two TPL surgeries and Toby with his kidneys, probably close to $35,000 or higher in vet bills in the past 10 yrs.(not counting the normal vet stuff...) Some of which insurance may or may not have covered. .
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Vinny Red '86 944, 05 Ford Super Duty Dually '02 Ram 3500 Diesel 4x4 Dually, '07Jeep Wrangler '62 Mercury Meteor '90 Harley 1200 XL "Live your Life in such a way that the Westboro Baptist Church will want to picket your funeral." |
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11-04-2021, 05:52 AM
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Registered
Join Date: Aug 2003
Location: SF Bay Area
Posts: 7,951
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Holy crap!
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11-04-2021, 06:21 AM
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Join Date: Jan 2004
Location: Texas
Posts: 11,257
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and Vinny would probably tell you..
it was worth it.. for every extra day he got ... Rika |
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11-04-2021, 08:42 AM
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Information Junky
Join Date: Mar 2001
Location: an island, upper left coast, USA
Posts: 73,189
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Yep ^
Quote:
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Everyone you meet knows something you don't. - - - and a whole bunch of crap that is wrong. Disclaimer: the above was 2¢ worth. More information is available as my professional opinion, which is provided for an exorbitant fee. 
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11-04-2021, 08:54 AM
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