The RetrieverTraining.Net Forums The Retriever Academy
Total Retriever Training with Mike Lardy
Hawkeye Media Gunners Up Tritronics Outdoor Media
Page 1 of 2 12 LastLast
Results 1 to 10 of 14

Thread: Pet Insurance

  1. #1
    Senior Member Illinois Bob's Avatar
    Join Date
    Feb 2007
    Location
    Northern Illinois
    Posts
    1,861

    Default Pet Insurance

    What does everybody think about pet insurance.I have been buying the AKC pet insurance.Last year it was 579.00 annually.It went up now to 602.00 for this year.I've read here most people don't use it.Some save money to self insure.I know that I added up major costs of my last three dogs combined and figured once and guess that I spent over 10,000.00 over thier lifetimes.Two questions,In a worse case,what is the most a vet might cost to keep a dog healthy and alive over the course of it's lifetime for differrent injuries or sickness that you would treat?Is pet insurance worth it? I'm kicking around paying that money into my own pet insurance bank account.

  2. #2
    Senior Member jeff t.'s Avatar
    Join Date
    Jul 2003
    Location
    North Carolina
    Posts
    2,733

    Default

    Quote Originally Posted by Illinois Bob View Post
    what is the most a vet might cost to keep a dog healthy and alive over the course of it's lifetime
    Here is a link to a story about a dog with a $25,000 vet bill...(and climbing).

    http://www.newsobserver.com/news/v-p...ry/555868.html

    I know of several several dogs that had multiple major surgeries (not at the same time) at considerable expense.

    - hip replacement and cruciate

    - spinal surgery and two cruciates

    each of the above procedures required a long rehab that was as expensive as the surgery

    The last time I was at our specialty hospital, there was a Labrador who was there for his third surgery to remove a foreign object from his gut.

    In terms of potential, the sky appears to be the limit
    Last edited by jeff t.; 01-09-2008 at 06:32 AM.
    Jeff Telander
    Durham, NC

    FC AFC CT Broad Reach Devil Made Me Doit CD "Sinner"
    Broad Reach Smarty Pants

    Forever in my heart
    OTCh Broad Reach Diesel TD MH UDX2***
    CH Broad Reach Gripper UD MH
    OTCh R Labs Darth Wader TD JH
    OTCh Teracroft Topaz TD JH

  3. #3
    Senior Member
    Join Date
    Jan 2004
    Location
    Houston,TX
    Posts
    1,334

    Default

    Would that $600+ be per dog?

    I would guess that this $600+/yr insurance would cover a TPLO type surgery. Am I correct in my assumption?

  4. #4
    Senior Member YardleyLabs's Avatar
    Join Date
    Dec 2006
    Location
    Yardley, PA
    Posts
    6,639

    Default

    There was a very long thread on this topic recently at http://www.retrievertraining.net/for...tplo+insurance

  5. #5
    Senior Member
    Join Date
    Jan 2004
    Location
    Houston,TX
    Posts
    1,334

    Default

    Thanks Jeff!!!

  6. #6
    Senior Member Illinois Bob's Avatar
    Join Date
    Feb 2007
    Location
    Northern Illinois
    Posts
    1,861

    Default

    Quote Originally Posted by YardleyLabs View Post
    There was a very long thread on this topic recently at http://www.retrievertraining.net/for...tplo+insurance
    Thanks Jeff.I think I might take a quick look at those other companies.
    Buzz,I'm curious,did you stick with the AKC plan after that thread?

    The 600.00 was per dog.Thanks for everybodies input.
    Last edited by Illinois Bob; 01-09-2008 at 11:24 AM.

  7. #7
    Senior Member Brevard Arndt's Avatar
    Join Date
    Jul 2003
    Location
    Newton, NC
    Posts
    371

    Default

    As with any insurance, the big print gives, and the small print takes away. I would strongly suggest that you read all the literature offered by the company very carefully. It is very specific about what is covered, the deductibles, the caps, and how to submit a claim. If you have a "wide-open", high-rolling dog, I think you might want to look into it at least until the dog slows down a bit.

    I had the insurance on one of my dogs. I had some diagnostic work done at N.C. State Veterinary School and much of that was paid. I calculated that I still paid out more in premiums than I "recaptured" in claims over the period I had the insurance in force.

    That was my experience, I have heard of others that it has saved them a lot of expense.

  8. #8
    Senior Member jeff t.'s Avatar
    Join Date
    Jul 2003
    Location
    North Carolina
    Posts
    2,733

    Default

    Quote Originally Posted by Brevard Arndt View Post
    As with any insurance, the big print gives, and the small print takes away. I would strongly suggest that you read all the literature offered by the company very carefully. It is very specific about what is covered, the deductibles, the caps, and how to submit a claim.
    Excellent point.

    One of the companies I considered appeared to be very good, but the fine print revealed that they did not cover injuries that occurred when the dog was under the care of someone at a different address. So injuries while training with a pro could be excluded from coverage.
    Jeff Telander
    Durham, NC

    FC AFC CT Broad Reach Devil Made Me Doit CD "Sinner"
    Broad Reach Smarty Pants

    Forever in my heart
    OTCh Broad Reach Diesel TD MH UDX2***
    CH Broad Reach Gripper UD MH
    OTCh R Labs Darth Wader TD JH
    OTCh Teracroft Topaz TD JH

  9. #9
    Senior Member JusticeDog's Avatar
    Join Date
    Jul 2003
    Location
    Illinois/Wisconsin
    Posts
    6,199

    Default

    I'm insured with VPI.

    They do not include on their policy: inherited disorders:

    Degenerative myelopathy, Exercise-induced collapse, Fanconi
    syndrome, Myopathy, Narcolepsy, Vitamin A-responsive dermatosis

    They will not cover an ACL repair in the first 12 months. After that, I have the superior plan and they will reimburse up to $1207 for the primary diagnosis and $800+ on a secondary diagnosis.

    They have always been good handling my claims. I get more than what I pay for.

    I have the superior plan, but no wellness benefit. The wellness plan never seemed to pay for itself.
    Susan

    FC Tribute to Justice, JH "Honor"
    FC AFC Contempt of Court "Ruckus"
    Medal Of Honor, QAA "Valor"
    HRCH Kirby's High Sierra, SH, QAA "Kirby"
    HRCH Niki Snowbird, SH, QAA "Niki"
    Southland Order In the Court, QAA "Gavel" July 17, 2002- March 24, 2013
    Southland Rusty Nail - derby points, qual placements "Rusty"
    www.justiceretrievers.com

  10. #10
    Senior Member 2tall's Avatar
    Join Date
    Oct 2006
    Location
    Taos, New Mexico
    Posts
    8,006

    Default

    Quote Originally Posted by Brevard Arndt View Post
    If you have a "wide-open", high-rolling dog, I think you might want to look into it at least until the dog slows down a bit.
    DOES THIS REALLY HAPPEN?!?!?!?!?!?! CAN THIS BE TRUE? WAITING FOR THE GLORY DAY
    Carol,
    Owned and handled by Cruisin' with Indiana Jones, JH
    Alternate Handler: Westwind Buffalo Soldier
    Apprentice Handler: Snake River Medicine Man, JH
    http://newhoperetrievers.com

Similar Threads

  1. Pet Insurance
    By Ted Shih in forum RTF - Retriever Training Forum
    Replies: 120
    Last Post: 10-24-2013, 07:14 PM
  2. Pet Insurance
    By Thomas D in forum RTF - Retriever Training Forum
    Replies: 3
    Last Post: 08-30-2009, 05:59 PM
  3. pet insurance
    By j towne in forum RTF - Retriever Training Forum
    Replies: 2
    Last Post: 06-25-2008, 08:44 PM
  4. Pet Insurance?
    By ttungland in forum RTF - Retriever Training Forum
    Replies: 17
    Last Post: 05-21-2006, 08:18 AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •