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Thread: Health Insurance for your Retriever

  1. #31
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    I don't see the need for it. Anything small, I just pay for. Anything big would probably put the dog out of competition for many weeks. $500-$700 per weekend goes a long way toward a large vet bill.

    J.O.

  2. #32
    Member laurelwood's Avatar
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    Quote Originally Posted by counciloak View Post
    I don't see the need for it. Anything small, I just pay for. Anything big would probably put the dog out of competition for many weeks. $500-$700 per weekend goes a long way toward a large vet bill.

    J.O.
    I used to think this too, until my last dog developed diabetes. I spent about 3K initially and then about $500 a month for almost 3 years for all his meds and vet bills. That might be small change for you but it was a considerable amount for me.

    When I got my next dog I started researching insurance plans, only to find that most of them excluded most of the illnesses or injuries I'd want insurance for. I went with PetPlan because they had the most coverage with the fewest exclusions. I've had one minor claim with them and they were very easy to deal with.

  3. #33
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    Some people win at casinos, most people loose. Pet health insurance is the same way, or they would go out of business. Right?

  4. #34
    Member Gun Dawg's Avatar
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    Just looked at Embrace Ins - Here are some examples of what a pre-existing condition is and is not w/Embrace.

    •A few years back your dog tore her right cruciate ligament. You purchase pet insurance and then she subsequently tears her left cruciate ligament 2 years into the policy. The left cruciate tear is considered a pre-existing condition.

    •Your dog had an ear infection and a skin hot spot last year before you purchased your policy. You sign up for pet insurance and, a few months after the 2-week waiting period has expired, your veterinarian diagnoses your dog with allergies. These allergies would be considered a pre-existing condition

    Reason enough to get your pup on an insurance plan ASAP.
    Last edited by Gun Dawg; 12-28-2012 at 06:42 PM.

  5. #35
    Senior Member hotel4dogs's Avatar
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    I have never had an issue with pre-existing conditions, as I insure my pups at 8 weeks old.

    I know everyone has different needs, but I have the insurance as just a major medical/catastrophic event policy. I can cover the other stuff.
    Therefore, I have selected a $1000 per year deductible, with a $15,000 per year maximum payout (they pay 80%, after the deductible. JMO but if you are getting around $20,000 in vet bills in a year, you are probably starting to have some serious quality of life issues). I personally like the per year deductible rather than the per occurrence one, as you could run up a whole bunch of vet bills in a year and not have anything covered if all the vet bills were around $250 (a typical deductible). The insurance cost me $13 per month until this year, and it has now gone up to $15.50 per month.
    They didn't have any problem with my claims when he punctured a foot, which became infected, while hunt training. They also didn't have any issue with my claim for prostatitis. Also paid for a polyp being removed from his vocal cord (grass awn!!!??!!) while doing a dental, in fact, they paid 1/2 of the anesthesia and surgical care, allocating 1/2 to the dental (not covered) and 1/2 to the polyp (covered), which I was very pleased with.
    To each their own. This works for me, it gives me great peace of mind since I own one of the most cancer prone breeds.

    Barb Gibson
    with
    CH Rosewood Little Giant UDX VER RA SH MXP MJP OFP VCX WCX CCA CGC FFX-OG
    also UCH HR UUD UJJ URO1 UHIT
    (golden retriever) born 3-10-07
    a.k.a. "Tito", "The Tito Monster"
    www.GoTeamTito.com

  6. #36
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    Unfortunately, I have had to use my insurance. I have Pet Plan and so far have been very happy. I have a BC with an iliopsoas injury and have been sending in claims in 1000 dollar increments. A week ago 1144 sent in and today a check for 958. Now I am just wondering if future rates get exponentially raised or dogs get dropped?
    mary

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