QOTW - Pet Insurance

Avatar for donnaldy59
iVillage Member
Registered: 11-19-2001
QOTW - Pet Insurance
9
Wed, 02-13-2013 - 6:25am

Happy Hump Day everyone!  Doesn't it seem like it should be Friday?  LOL!  Every work morning, I get up and turn on the TV for news.  Well this morning, my cable company is down for some reason so no TV.  I didn't realize how much I rely on the noise of the TV when I'm getting ready for work.  I hate this quiet.  LOL!

Both Spencer and Buzz cost me quite a few dollars in their health care especially Spencer.  I had racked up quite a credit card bill that was/is hard to pay down.  So this time around with Dante, I decided to invest in pet insurance.  I know a lot of people say to just put the money away in case it's needed but if I did that then something else would come up and that money would get spent and not on Dante's healthcare.  So I did a lot of research and asked my vet along with getting opinions from the people on the Greyhound message board I hang out on - gretalk and decided on one called Healthy Paws because it gives me more bang for the buck so to speak.  I'm sure I won't need it for a long time but peace of mind is everything!

Question of the Week:  Do you or have you ever had pet insurance?  What is your opinion of it?

 

iVillage Member
Registered: 11-01-1999
Wed, 02-13-2013 - 11:15am

I am a 29-year insurance professional, and I do not have pet insurance. 

The company I worked for from 1999-2005 was in merger talks with Heartland Ins. Co, the company that does VIP Pet Insurance, but that did not work out and our company was taken into receivership by the insurance commissioner and closed.

The shelter provides 30-days pet insuance from 24-Hour as part of the adoption package.

And yet, I do not have pet insurance.  I have looked at the concept many times, but with three animals I cannot justify the cost.  Policies are underwritten by age and breed, and with three seniors, I just can't do it.  Remember, insurance companies are in business to make money.

Community Leader
Registered: 11-21-2001
Wed, 02-13-2013 - 4:05pm

I've never had pet insurance....but many times I wished I did.  ^Valentine^ cost us thousands of dollars in ACL surgeries and then her kidney issues.  If I had gotten insurance when she was young it would have helped a lot.

I'm a believer in insurance; DH not so much.  He feels it is money thrown away if you don't use it; I believe it's something you should have. Right now we have very little disposable income so insurance for Cleo might not be possible....but I'm going to look at the Healthy Paws site in any case.

Laura
Avatar for donnaldy59
iVillage Member
Registered: 11-19-2001
Wed, 02-13-2013 - 7:09pm
I couldn't afford it on more than one dog Gaye. And of course insurance companies are in it for the money and they play the odds that you will pay the premiums but never need to have them pay out a claim. Same way with auto and human health insurance! Ugh!
Avatar for donnaldy59
iVillage Member
Registered: 11-19-2001
Wed, 02-13-2013 - 7:10pm

For me, Laura, it's all about peace of mind.  I am a firm believer that if I didn't have insurance for something then that something would happen to me!  Insurance companies love people like me!  LOL!

Community Leader
Registered: 11-21-2001
Thu, 02-14-2013 - 4:46pm

I'm the same way.  I know that we spent more money than necessary on insurance for our large appliances, but when we did need repairs everything was covered.  I once needed a large part for my dishwasher, had to replace the motor on my washing machine, and needed a couple of repairs on my dryer.  I know the cost of those didn't match what we had paid out over the years, but I still felt safer.  Now if I need a repair on my washing machine I might as well just buy a new one.....

Laura
iVillage Member
Registered: 06-27-2000
Thu, 02-14-2013 - 8:19pm

I've never had pet insurance either.  I did check out the Healthy Paws site and got a quote just to see what it would be for an old dog:  $54.62.  When my first Weim was dying from complications of bloat and toxicity, I spent thousands of dollars trying to keep him alive, on treatment and tests, surgery and extraordinary measures.  Never again.  I know now that I was doing it for myself, not thinking of the best interest of the dog.  Now, I let my pets go in peace.  It's what I would want for myself.  Surely I can do that for my loved ones.

Oh say, can you see?


Visual Impairments


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Avatar for donnaldy59
iVillage Member
Registered: 11-19-2001
Thu, 02-14-2013 - 9:03pm

I know what you mean Barbara about senior dogs healthcare.  It's hard for us to let them go without trying everything!  But having insurance on a younger dog, to me, covers unforeseen things that can be quite expensive!

Community Leader
Registered: 02-27-1999
Thu, 02-14-2013 - 11:15pm

No pet insurance here.  I spent over $1,000.00 on Lucy, heartworm, kennel cough and spay, to keep her alive.  She's so beautiful.  William is gorgeous as well, but no bills with his adoption.  His neuter was paid for.  

I don't really know if pet insurance is worth it.  I think the insurance companies are playing on our heartstrings.  OHHH, you must not love your dogggg....


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Avatar for donnaldy59
iVillage Member
Registered: 11-19-2001
Fri, 02-15-2013 - 11:44am
LOL Karen - of course insurance companies are playing you! As Gaye said, they're in it for the $$ not out of the goodness of their hearts! The only reason I opted for pet insurance this time around is because of my past experience with the Greyhound breed and now knowing all the possible medical problems they can and do experience. I never felt I needed it for Emmy when I had her before adopting my first Greyhound because she was a mixed breed and then to be a lot hardier than pure breeds. I spent very little money on her outside of her regular exams in the 13 years I owned her. But Spencer & Buzz, my Greyhounds, well that's a totally different story. So I'm just covering my bases with Dante. :)