Anyone have health Insurance on your pet ?

[Liberty & Justice]

Curious to know if anyone has health insurance for their Dobe's on here. I just received a quote from Trucompanion health care and was wondering if it's a good idea. For 80 dollars a month I think it's a good idea but has anyone ever used this company before ?

 

[DoubleDogDare]

I have considered it more than once. Dylan's never really had any major health issues, yet he seems to rack up the vet bills like nobody's business! But I see so many health issues pop up with the dobes, I live in fear of something serious developing. Even the best breeders have problems crop up here and there. So far, he's healthy and so are his parents and grandparents and siblings on both sides. But that doesn't mean there can't be something lurking...

 

[JanS]

I personally don't believe in it, but I know many people who do. I'd just as soon save the buck and set it aside for a vet fund where I know I won't lose any money. The other thing with most pet insurance is that the coverage isn't real good so you still wind up paying a good percentage out of your pocket and in the long run it probably costs you more.

 

[Lizzard]

I looked into it for Marco. At 80/month, that is $960 per year. Assuming the dog lives at least 9 years, without the price going up, that is $9600. Statistically speaking I think it's unlikely that Marco will have something happen which would cost us over $10,000. So we're like Jan, we keep the money and figure if we have to, we'll pay up.

 

[Marinegeekswife]

We have a policy with Trupanion for Spock and will soon have one for River. Since Schutzhund carries with it a good risk of being hurt we thought it would be better to get coverage. John wanted to do the set aside money thing but I convinced him to go with a policy when I found Trupanion and when we discussed just how much an emergency procedure like bloat or a broken leg really would be. The problem with saving is what happens when they dog is injured before you have all the money saved up? River isn't covered yet because she hasn't been doing many high risk activities at the club but now that she's working on the wall it is time to start discussing getting her covered. I liked Trupanion because their policy is up front and simple. They also consider Schutzhund a sport and cover our dogs without an extra charge. I made sure to ask about this and the woman who did our policy said she had just done a case involving a Schutzhund dog so she knew that was how they viewed them. (Personal protection, police dogs, and guard dogs are different since they face danger daily.) I also like that they have the option to cover alternative medicine like chiropractors or acupuncture. I have yet to have to file a claim with them so I cannot speak to that side of it.

 

[Medikay9]

Curious to know if anyone has health insurance for their Dobe's on here. I just received a quote from Trucompanion health care and was wondering if it's a good idea. For 80 dollars a month I think it's a good idea but has anyone ever used this company before ?

I took out insurance on Regan 2 years ago and it was one of the best decisions I have made. I enrolled with PetPan ( www.Gopetplan.com), as they cover all genetic issues as well. You can pick your own deductible /coverages,and they are very fast with reimbursements.

 

[Denissov43]

I took out insurance on Regan 2 years ago and it was one of the best decisions I have made. I enrolled with PetPan ( www.Gopetplan.com), as they cover all genetic issues as well. You can pick your own deductible /coverages,and they are very fast with reimbursements.

I also use petplan and they are pretty good about the big things that cost the most...
I have it for both of mine.... I recently had to use it for a big thing with Gemma and it was really great to have had in place before hand!
the little things like regular visits and check up's are NOT covered, but accidents, bloat, surgery etc... is covered at 80% and you save thousands if something like a 'bloat' or the like would happen.
My policy is about $70/mo and I was referred to these guys by a fellow dog lover at the Dog park and she said she used it for something big for her dog too and it saved her thousands.

 

[swillia2]

Yes always took out insurance on my dogs . I've found it invaluable when Byron my second dobe needed his prostate removing and also a a couple of minor operations to his ears . I also went with pet plan and have found them to be fantastic with my pets needs .


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[JanS]

I recently had to use it for a big thing with Gemma and it was really great to have had in place before hand!

Oh no, I hope all is well with her....

 

[Denissov43]

Jan: she is fine, but having the insurance made a big difference in the 'bill'... when its thousands and you only have to pay 20% it is a real blessing.. and they are Doberman's for heavens sake, they get into everything! good lordy...

 

[Twisted_Angel]

I've never thought about it really. I keep my dogs pretty locked up if I can't watch them, but accidents do happen... maybe I should look into it.

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