collapse

Advertisement


Author Topic: Pet Insurance  (Read 2857 times)

Offline blackpowderhunter

  • Trade Count: (+5)
  • Longhunter
  • *****
  • Join Date: Apr 2014
  • Posts: 964
  • Location: Renton
Pet Insurance
« on: June 09, 2021, 05:38:53 PM »
Who has pet insurance on their dogs?  Any good and or bad recommendations of who to go with or who to stay away from?
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

Offline actionshooter

  • Past Sponsor
  • Trade Count: (+3)
  • Old Salt
  • *****
  • Join Date: Apr 2007
  • Posts: 5477
  • Location: Olympia
    • https://www.instagram.com/steve.bell.actionshooter/
Re: Pet Insurance
« Reply #1 on: June 09, 2021, 06:05:04 PM »
We have pet insurance on our 2 dogs, a lab and a Greater Swiss. The swissy is about the clumsiest dog alive and has been to the vet twice in the last year so the insurance has worked well for her. The last visit, the *censored* ate a sock and got stuck in her intestines, the bill was $2k and we paid $200. Never had a problem with the lab. It's $45 per dog per month with Nationwide.

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:

Offline Buck Rub Jr

  • Non-Hunting & Covid-19 Topics
  • Trade Count: (+2)
  • Longhunter
  • *****
  • Join Date: Nov 2014
  • Posts: 603
  • Location: Wetside
Re: Pet Insurance
« Reply #2 on: June 09, 2021, 06:08:20 PM »
We just canceled ours through nationwide on our 2 dogs. Our lab had a bad reaction to his shots once when he was a puppy when he wasnít covered yet so nationwide basically wonít cover anything for him that is real are to his stomach in any way now saying the it stems from those shots from when he was a puppy. They gave us $25 last time out of the $450
They is where you aint and you aint where they is.

Offline fishngamereaper

  • Trade Count: (+6)
  • Old Salt
  • ******
  • Join Date: Oct 2011
  • Posts: 6965
  • Location: kitsap
Re: Pet Insurance
« Reply #3 on: June 09, 2021, 06:09:49 PM »
We are looking right now to...

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:

Offline rasbo

  • Global Moderator
  • Trade Count: (+1)
  • Legend
  • *****
  • Join Date: Aug 2008
  • Posts: 20100
  • Location: Grant county
  • In God I trust...Try taking that away from me!
Re: Pet Insurance
« Reply #4 on: June 09, 2021, 06:31:04 PM »
Don't use nationwide,my dog got a cut on the 3rd eyelid,developed  infection then glaucoma as a result. Not covered,until I had insurance for a year. WHAT? Cost me a lot of money

Offline Heiny

  • Political Topics
  • Trade Count: (0)
  • Tracker
  • **
  • Join Date: Nov 2014
  • Posts: 56
  • Location: westside
Re: Pet Insurance
« Reply #5 on: June 09, 2021, 06:33:48 PM »
We use Petplan on our Griffon and lab. Griffon broke his jaw as a pup before we had insurance, spendy fix $$$$. Then I ran over the lab as a pup. Was glad we had it to cover that surgery, two months in a crate. But heís doing awesome now canít even tell. Seems like any surgery is a easy $5k or more.

Offline blackpowderhunter

  • Trade Count: (+5)
  • Longhunter
  • *****
  • Join Date: Apr 2014
  • Posts: 964
  • Location: Renton
Re: Pet Insurance
« Reply #6 on: June 09, 2021, 06:34:02 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:

Offline actionshooter

  • Past Sponsor
  • Trade Count: (+3)
  • Old Salt
  • *****
  • Join Date: Apr 2007
  • Posts: 5477
  • Location: Olympia
    • https://www.instagram.com/steve.bell.actionshooter/
Re: Pet Insurance
« Reply #7 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.

Offline Heiny

  • Political Topics
  • Trade Count: (0)
  • Tracker
  • **
  • Join Date: Nov 2014
  • Posts: 56
  • Location: westside
Re: Pet Insurance
« Reply #8 on: June 09, 2021, 06:41:29 PM »
Oh boy, itís kinda pay a little over time with insurance or all at once if something happens. Told the wife we didnít 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.

Offline fishngamereaper

  • Trade Count: (+6)
  • Old Salt
  • ******
  • Join Date: Oct 2011
  • Posts: 6965
  • Location: kitsap
Re: Pet Insurance
« Reply #9 on: June 09, 2021, 06:42:34 PM »
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.

Offline Taco280AI

  • Past Sponsor
  • Trade Count: (+5)
  • Sourdough
  • *****
  • Join Date: Jan 2013
  • Posts: 2289
  • Location: FL350
Re: Pet Insurance
« Reply #10 on: June 09, 2021, 06:55:43 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.
FieldOutdoorLife on IG

Offline Bullkllr

  • Political Topics
  • Trade Count: (0)
  • Frontiersman
  • *****
  • Join Date: Aug 2007
  • Posts: 4205
  • Location: Graham
Re: Pet Insurance
« Reply #11 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...
"WE THE PEOPLE..."

Offline huntnfmly

  • Political Topics
  • Trade Count: (+29)
  • Frontiersman
  • *****
  • Join Date: Apr 2007
  • Posts: 4120
Re: Pet Insurance
« Reply #12 on: June 09, 2021, 10:35:52 PM »
I got my new French Brittany on Trupanion
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
I'm your dam tour guide Arnie please donít wonder off the dam tour.
Take as many dam pictures as you want ....
Are there any dam questions ..

Offline blackpowderhunter

  • Trade Count: (+5)
  • Longhunter
  • *****
  • Join Date: Apr 2014
  • Posts: 964
  • Location: Renton
Re: Pet Insurance
« Reply #13 on: June 10, 2021, 10:26:57 AM »
I got my new French Brittany on Trupanion
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
trupanion quoted about 180 for my lab, lemonade was quite a bit less.
just need to compare coverages

Offline pianoman9701

  • Mushroom Man
  • Business Sponsor
  • Trade Count: (+5)
  • Legend
  • *****
  • Join Date: Mar 2011
  • Posts: 38494
  • Location: Vancouver USA
  • NRA Life, MH, WFW, NAGR, RMEF, WSB, NMLS #2014743
    • www.facebook.com/johnwallacemortgage
    • Apply for a loan
Re: Pet Insurance
« Reply #14 on: June 10, 2021, 10:51:40 AM »
Oh boy, itís kinda pay a little over time with insurance or all at once if something happens. Told the wife we didnít 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:
"Restricting the rights of law-abiding citizens based on the actions of criminals and madmen will have no positive effect on the future acts of criminals and madmen. It will only serve to reduce individual rights and the very security of our republic." - Pianoman

 


* Advertisement

* Recent Topics

2022 Show Your Bass Off!! by Phillip.beaudry
[Today at 01:03:11 AM]


WWA Banquet Oct 8th Monroe by WWA
[Yesterday at 10:14:57 PM]


WTS/ Backcountry Bull Kit. by BLDtraLR
[Yesterday at 09:30:50 PM]


335 Teanaway Gimme your hot spots. by teanawayslayer
[Yesterday at 09:20:14 PM]


Fs 2016 Jeep rubicon unlimited hard rock edition by teanawayslayer
[Yesterday at 09:18:21 PM]


Brooks Range Dall Sheep - Foot on the gas!!! by Mulie87
[Yesterday at 09:17:06 PM]


WTS Silver bullion and rounds by Knocker of rocks
[Yesterday at 08:55:49 PM]


drew late Swakane deer tag by teal101
[Yesterday at 08:42:02 PM]


Orange Aglow Game Bag Release w/Discount Code by mburrows
[Yesterday at 08:37:12 PM]


The Okanogan Deer Book by teal101
[Yesterday at 08:35:44 PM]


Huntnnw trail cam pics 2022 by NRA4LIFE
[Yesterday at 08:33:51 PM]


Mackerel recipe by Remnar
[Yesterday at 08:19:04 PM]


UTV opinions, recommendations, experiences by Alchase
[Yesterday at 08:07:07 PM]


Daughter's bear! by jason stevens
[Yesterday at 08:06:09 PM]


Rifle Shooting Course by Torrent50
[Yesterday at 07:44:04 PM]


Elliott bay king by Alchase
[Yesterday at 07:40:10 PM]


New NW Safe location by MtnMuley
[Yesterday at 07:35:40 PM]


Idaho trip by Loup Loup
[Yesterday at 07:31:43 PM]


Wtb .41 Mag Taurus Tracker Titanium by jshay
[Yesterday at 07:29:09 PM]


multi season tags by millerwheeler
[Yesterday at 07:12:54 PM]

SimplePortal 2.3.7 © 2008-2022, SimplePortal