Post by: blackpowderhunter on June 09, 2021, 05:38:53 PM
We have a 4 year old lab, who has been very healthy except for the occasional issues.
Last winter we had a really bad case of pneumonia which lead to emergency overnight hospitalization, and it wasn't cheap. Anyways, shes very active and still quite a pup, so looking for the long term now.
Any recommendations appreciated.
Thanks
Post by: actionshooter on June 09, 2021, 06:05:04 PM
My daughter is a vet tech and they recommend Nationwide because of their coverage and ease to work with. We decided to get the insurance because of some of the high vet bill horror stories we have heard. Might never use the insurance with the lab, but I think the insurance company is going to loose money on the dumb swissy.. :chuckle:
Post by: Buck Rub Jr on June 09, 2021, 06:08:20 PM
Post by: fishngamereaper on June 09, 2021, 06:09:49 PM
We've spent 5k on er visits the last 6 months between our two dogs ..we figure once we get insurance the dog issues will stop :chuckle:
Post by: rasbo on June 09, 2021, 06:31:04 PM
Post by: Heiny on June 09, 2021, 06:33:48 PM
Post by: blackpowderhunter on June 09, 2021, 06:34:02 PM
yeah the pneumonia thing cost us close to 5k due to the emergency overnight stay for IVs, tons of meds, multiple check up x rays etc. :bash:
Post by: actionshooter on June 09, 2021, 06:39:00 PM
interesting replies so far...
yeah the pneumonia thing cost us close to 5k due to the emergency overnight stay for IVs, tons of meds, multiple check up x rays etc. :bash:
It's insane how much it costs....
Call a couple vets and ask who they recommend.
Post by: Heiny on June 09, 2021, 06:41:29 PM
Post by: fishngamereaper on June 09, 2021, 06:42:34 PM
Post by: Taco280AI on June 09, 2021, 06:55:43 PM
Or invest that $45 a month and using 7% as an example it becomes $9761. Some years you may see waaaay more than 7%, others you might take a hit, but it's still your money. If the dog needs care dip into it as needed.
Post by: Bullkllr on June 09, 2021, 06:59:55 PM
I thought about it but am going without. If it is $45/mo then that's $540 a year. Over a 12 year period that's basically $6500 you're out and maybe the cover an issue, maybe not. Maybe there is no issue the whole time. Money is gone anyway.
Or invest that $45 a month and using 7% as an example it becomes $9761. Some years you may see waaaay more than 7%, others you might take a hit, but it's still your money. If the dog needs care dip into it as needed.
Oh, you mean, like, be your own insurance company? :chuckle:
Sorry, I just don't like them. If they weren't making solid profits at $45/mo they would quickly raise those rates.
One of our friends wife is a vet and she recommended Lemonade...but we are still on the shopping phase...allot of them require insurance for up to a year before they start to cover anything... which is crooked business if you ask me.Well, it is insurance after all...
Post by: huntnfmly on June 09, 2021, 10:35:52 PM
There was only a 5day waiting period for emergencies and 30 day for illness
I went with the 90% coverage.They will pay our vet direct a lot of companies make you pay the whole bill then reimburse you.
Say your dog gets a ear infection you pay the office visit and they pay 90% of the rest and say down the road he gets another ear infection same thing there is no limit
Some companies would call the second ear infection the same incident and cap you at what they pay
Hope that example made sense
By the way price is $87 per month but they have some policies that are less but you pay a higher percentage also price depends on breed
Post by: blackpowderhunter on June 10, 2021, 10:26:57 AM
I got my new French Brittany on Trupaniontrupanion quoted about 180 for my lab, lemonade was quite a bit less.
There was only a 5day waiting period for emergencies and 30 day for illness
I went with the 90% coverage.They will pay our vet direct a lot of companies make you pay the whole bill then reimburse you.
Say your dog gets a ear infection you pay the office visit and they pay 90% of the rest and say down the road he gets another ear infection same thing there is no limit
Some companies would call the second ear infection the same incident and cap you at what they pay
Hope that example made sense
By the way price is $87 per month but they have some policies that are less but you pay a higher percentage also price depends on breed
just need to compare coverages
Post by: pianoman9701 on June 10, 2021, 10:51:40 AM
Oh boy, it’s kinda pay a little over time with insurance or all at once if something happens. Told the wife we didn’t need insurance after it was suggested by the vet since the Griffon was going to be a hunting dog. Ate crow on that one! Now all the hunting dogs have it.
When I looked, pet insurance seemed a lot like dental insurance - The benefit is basically the annual payments. :dunno:
Post by: Mtnwalker on June 10, 2021, 11:13:20 AM
I thought about it but am going without. If it is $45/mo then that's $540 a year. Over a 12 year period that's basically $6500 you're out and maybe the cover an issue, maybe not. Maybe there is no issue the whole time. Money is gone anyway.
Or invest that $45 a month and using 7% as an example it becomes $9761. Some years you may see waaaay more than 7%, others you might take a hit, but it's still your money. If the dog needs care dip into it as needed.
Amazing how many people never learn to think like this. Once you start, it makes it really hard to spend money on... dang near anything :chuckle:
That being said, one of our dogs would have been a huge waste to buy pet insurance, the other would have been money well spent. We opted not to..
Post by: aman on June 21, 2021, 01:12:12 PM