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Is pet insurance worth it? – We asked [33] Dog Owners and Here’s What They Said
Pet insurance is worth it if you can afford the cost of insurance, but can’t afford an emergency vet bill. However, the best plan is to only get a pet if you can afford veterinary care and have a special savings account set aside for emergency pet care. -Louise
It’s really worth it. I have Nationwide. Before, it was VPI. It doesn’t cover the whole thing, but it helps a lot. More than paid for with my first two dogs. I haven’t needed it much with the two I have now, but if anything happens I won’t hesitate to get the best treatment possible. It really helps. – Beth
Yes it’s worth it. But you have to buy wisely for that. I have a care credit which is used when needed. No treatments excluded because it’s me who decides! Attractive rates and reimbursement options. I saved my bank account several times. -Jennifer
Still worth it with my previous pet dog, Louie (French bulldog) and my current pet dog, Lucy (dachshund).
It more than pays for itself every time. Unless you can shell out $10,000 for emergency surgery, I suggest you get pet insurance. Healthy paws I highly recommend!!! -Leo
One day, my vet told me… that I had a “Dogs are expensive” account. Whatever the going rate for pet insurance is, say $100, put that monthly amount into the “DAE” account. If you’re ahead at the end of the year, roll that money….then if you need a big sum, you’ve got it, and if you don’t, the $ is in your pocket and not in that of the insurance company.. .. whatever you decide..good luck! -Peggy
With my last dog no. I paid 17 and never made a claim. With both I have now definitely. My JR managed to get a piece of dog toy stuck in his intestine – a very expensive operation, well worth it. I don’t like the fact that even though my dogs are both young, but the premium has increased. 3&2 are not senior dogs. – Case
Before checking quotes, consult your veterinarian or those in your area. The only problem with many pet insurance policies can actually affect the cost a veterinarian or clinic may charge for a service based on what they may have to pay or what they need to do to be paid. For example, a basic x-ray fee might be $100 if you pay yourself, but say you use insurance A which can cost the clinic so much per year to be a member or require so much documentation or takes so long for payment can increase fees to $130-150. Then if you have a deductible, you will pay more. Your veterinarian will also know which ones are most reliable for your area and for your breed’s needs. -Candy
I would never have a pet without insurance. Far too risky for these sudden, age-related injuries/health issues. Daily checkups and shots are ancillary to many things that can go wrong with a furry family member.
– Holly
– HollyI’m furious that insurance companies have made owning pets incredibly expensive. Once insurance companies enter the equation, the price of everything “skyrockets”. I wish these monsters were regulated and insurance, health care was non-profit!!!!!! -Rhonda
Yes Healthy Paws has been great. My Boston has been on constant eye treatment for about 6 years and 2 surgeries. I have 80% and they pay right away. -Lynda
Worth it if you plan ahead. One of my dogs that I adopted and got insurance about a year later and the insurance denied EVERYTHING…even an ear infection at age 10 as a pre-existing condition because she had one when she was 3 years. My other dog I got insurance straight away (lesson learned!) and that was a huge plus as ten years later he had major medical bills which were 90% covered, I couldn’t be more grateful to have the assurance – Shannon
Really worth every penny! Our Shit Ripped ACL, Swallowed Hubby’s Hearing Aid, Puts Everything In His Mouth!!! We have healthy paws. Very satisfied. I just wish we went with 90% coverage instead of 80%. Get it BEFORE they have a problem!! – Jan
No it’s not worth it. I love my babies but, it’s like human insurance, it’s not worth taking. It’s more likely that your pet’s insurance won’t cover it, so you’ll still be paying the ying yang. So here we pay the ying yang for insurance and always pay a lot of money to a vet. -Nancy
Yes. My adorable dog has developed allergies. Insurance coverages are $73. Apoquel prescription plus anything wrong. She had a cough with medication, the bill was over $400. Very glad we have insurance. – Pamela
Yes! For 10 years I never had to use it. Then my dog got very sick and had to go to the animal hospital. She has been diagnosed with diabetes and Cushing’s disease and the costs of all the drugs and tests she has until we get her regularized are exorbitant. With the insurance, I got most of it back. – Erica
Worth it! Prevention/wellness services are usually not included in accident/injury plans, but most insurances offer them separately (for more money). Get coverage as soon as possible when you get a pet… pre-existing conditions are almost never covered and the older a dog gets, the higher the cost. I got Nationwide through my former employer. The plans were supposed to follow my pets for life, after I left work, but (in short) the plans were cancelled. So now I’m buying new insurance through ManyPets for a dog who was 9 when I bought the national plan, but is now 13 – with pre-existing conditions. For my three dogs, it’s about $235/month (that’s with the optional wellness plans added for each). But if something happens to one of my “kids”, I pay an annual deductible of $250, then ManyPets covers 80% – no lifetime limit. – Andrea
Yes. It’s worth it. You never know what might happen. I see so many people funding me to help animals when insurance would have covered it. FYI, Trupanion is slightly more expensive but can pay the vet directly if the vet is registered on their system. I have my 2 dogs and 2 cats covered. -Blythe
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