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Old 01-25-2018, 10:18 AM   #1
Young gun 12
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A different thread got me thinking about this. Anyone know much about it?
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Old 01-25-2018, 10:23 AM   #2
Acameron52
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I have it through State Farm I believe, runs me less than $50 a month for my Collie, and pays 90% of ANYTHING you have done. Easily pays for itself every year, and we’ll worth the peace of mind if anything expense ever comes up.
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Old 01-25-2018, 10:37 AM   #3
str8shooter
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I've got it through Pets Best on my lab and my wife's Westy. Definitely paid for itself when the Westy got tagged by a rattler. That bill was $7,500 and pet insurance covered 80% of everything after the deductible. Well worth it!!
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Old 01-25-2018, 10:44 AM   #4
czechgrubworm
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I use a pet insurance that is great.. it is called Trupanion...I pay monthly on each dog. You choose your deductible and it is lifetime.. not yearly... they then pay 90%.....
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Old 01-25-2018, 10:53 AM   #5
Young gun 12
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A lot of them have low payouts. I will check out the ones you guys recommended though!
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Old 01-25-2018, 10:55 AM   #6
DRT
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The options have improved the last decade.

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Old 01-25-2018, 11:00 AM   #7
hooligan
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Do they cover heart worm meds and all that? Trifexus is expensive
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Old 01-25-2018, 11:01 AM   #8
Mudslinger
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Mine is through Nationwide and it is a hair less than $50 apiece for my 2 Rotties.
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Old 01-25-2018, 11:09 AM   #9
gingib
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i would be interested to hear their max.

As with an older dog 8+ it almost seems too good to be true if something major happens. 90% coverage is good IMO
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Old 01-25-2018, 11:42 AM   #10
Playa
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How do you handle claims? Does the vet file & if so do you have to use. Vet that accepts that insurance? Or do you pay out of pocket and then get reimbursed?
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Old 01-25-2018, 11:43 AM   #11
Young gun 12
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Quote:
Originally Posted by Playa View Post
How do you handle claims? Does the vet file & if so do you have to use. Vet that accepts that insurance? Or do you pay out of pocket and then get reimbursed?
AllState said EVERY vet is on their plan
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Old 01-25-2018, 11:44 AM   #12
str8shooter
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Originally Posted by Playa View Post
How do you handle claims? Does the vet file & if so do you have to use. Vet that accepts that insurance? Or do you pay out of pocket and then get reimbursed?
This is the way ours works. But they paid quickly every time we've submitted something and never really questioned anything.
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Old 01-25-2018, 11:52 AM   #13
Acameron52
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Quote:
Originally Posted by gingib View Post
i would be interested to hear their max.

As with an older dog 8+ it almost seems too good to be true if something major happens. 90% coverage is good IMO


I doubt theyíd ensure him/her, if they did it would be crazy expensive. You gotta get them on it young and have an exam done first to make sure they donít have any preexisting problems.


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Old 01-25-2018, 11:53 AM   #14
Young gun 12
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Just talked to my buddy who writes all sorts of insurances, he said hes got a pretty good one.
90% reimburment up to $10k annually.
$250 deductible
cost is $50/month for my 10month old purebred lab.

let me know if you want his info and I will shoot you his name and number and he can get you a quote
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Old 01-25-2018, 11:54 AM   #15
Young gun 12
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Quote:
Originally Posted by gingib View Post
i would be interested to hear their max.

As with an older dog 8+ it almost seems too good to be true if something major happens. 90% coverage is good IMO
asked him about your dog too, assuming its a lab (just guessed) the max would be up to 15k. you can select lower amounts though for cheaper rates
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Old 01-25-2018, 11:59 AM   #16
PROD49
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Quote:
Originally Posted by czechgrubworm View Post
I use a pet insurance that is great.. it is called Trupanion...I pay monthly on each dog. You choose your deductible and it is lifetime.. not yearly... they then pay 90%.....
Same
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Old 01-25-2018, 01:23 PM   #17
Dusty Britches
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I'm going to have to look into it again.

Imo - I could put $50 - $100 / mo aside and pay cash for most things that come up. By paying cash, I can usually negotiate a discount, too. I think pet insurance will be like human insurance - it will drive the costs up for everyone.
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Old 01-25-2018, 02:48 PM   #18
Acameron52
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Originally Posted by Acameron52 View Post
I have it through State Farm I believe, runs me less than $50 a month for my Collie, and pays 90% of ANYTHING you have done. Easily pays for itself every year, and weíll worth the peace of mind if anything expense ever comes up.
Just looked back and itís through Nationwide. Costs me $48.02 a month and they cover EVERYTHING. Anytime I take her to the vet I just fax or email them a copy of what was done and they get a check right back to me.
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Old 01-25-2018, 03:51 PM   #19
8mpg
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I had it back a few years ago and had a bad experience with two companies. First company didnt want to pay a claim and it took 6 weeks and a couple written letters from my vet to recoup the $1300 (total bill was $2500) after deductible and copay. That was $50/month or so and paid a little over a year on that policy. I guess its safe to say I saved $650 or so. Dumped them after they paid the claim because of the hassle.

Second company didnt want to pay for antibiotics because they were trying to say it was a pre existing condition. It was a skin infection. After that, I just gave up. I figure at $50/mo ($600/yr) if my dog has something in his 10 year lifetime, it would have to be over $6k to be worth it. My two dogs I have now dont really have any issues. I'll pay cash for vet bills.
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Old 01-25-2018, 04:14 PM   #20
Bear82
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Do they cover preexisting injuries? Looks like mine had a stroke last night. She is getting old and seems like stuff keeps happening to her.
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Old 01-25-2018, 04:14 PM   #21
Azzy
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I'm thinking about getting it for my doberman. His dad had a bunch of issues and I ended up paying like $6-7k in vet bills last year. Didn't even think about it, my dad kept telling me to put him down, just ain't easy for me.
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Old 01-25-2018, 04:30 PM   #22
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Do they cover preexisting injuries? Looks like mine had a stroke last night. She is getting old and seems like stuff keeps happening to her.
Nope
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Old 01-25-2018, 05:44 PM   #23
Burnadell
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Amazing! Many folks donít even insure their kids!
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Old 01-25-2018, 06:50 PM   #24
Pineywoods
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Wow. I didn't even know this was a real thing. I've never even bought human insurance for myself.
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Old 01-25-2018, 08:28 PM   #25
bowmansdad
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We have 3 insured and it pays for itself, we use Healthy Paws with a 90% payback after a $250 deductible. 1 major incident can be $10k, so pay now or pay later.
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Old 01-25-2018, 10:14 PM   #26
sandhillhunter
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This is a decent web site to compare different companies. They all have strengths and weaknesses.

https://www.petinsurancereview.com/


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Old 01-26-2018, 09:26 AM   #27
Young gun 12
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Get the insurance. Had a freak accident with my puppy last night and had to get surgery. $3k out of pocket. Wish I would have gotten the dang insurance sooner.
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Old 02-27-2020, 03:49 AM   #28
bbfrol
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I think pet insurance is a way to treat our pets with more responsibility. All my pets are insured and, in my opinion, this is a minimum that I must do for them.

All info about pet insurances I`ve found on PetInsuranceFinder.com. I hope this web service will help you too.
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Old 02-27-2020, 06:36 AM   #29
rocky
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Quote:
Originally Posted by Dusty Britches View Post
I'm going to have to look into it again.

Imo - I could put $50 - $100 / mo aside and pay cash for most things that come up. By paying cash, I can usually negotiate a discount, too. I think pet insurance will be like human insurance - it will drive the costs up for everyone.
Exactly what our vet told us.
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Old 02-27-2020, 06:41 AM   #30
Rick
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If it was such a great thing overall for consumers, insurance companies would not offer it
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Old 02-27-2020, 07:05 AM   #31
captainsling
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Maybe Bernie can get us universal pet care too, once he is elected! LOL!!!!
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Old 02-27-2020, 07:53 AM   #32
PROD49
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I have Trupanion for 3 Frenchies. I pay an arm and a leg but they are also on the high end of the scale for insurable pets.
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Old 02-27-2020, 07:56 AM   #33
tdwinklr
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hmmm...I thought we couldn't call them 'pets' any more?
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Old 02-27-2020, 07:59 AM   #34
Drycreek3189
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Too late for me, I have around $10k in this little fart.
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Old 02-27-2020, 09:31 AM   #35
flywise
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not a chance
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Old 02-27-2020, 09:50 AM   #36
scott1022
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Quote:
Originally Posted by Dusty Britches View Post
I'm going to have to look into it again.

Imo - I could put $50 - $100 / mo aside and pay cash for most things that come up. By paying cash, I can usually negotiate a discount, too. I think pet insurance will be like human insurance - it will drive the costs up for everyone.
EXACTLY MY THOUGHTS! I'm all about a vet making good money. They deserve it for their hard work. But there is no reason for insurance to get involved, they WILL drive up the cost.
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Old 02-27-2020, 11:21 AM   #37
stevieray54
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Never noticed reply. Does any cover heart worm medication trifexus.
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Old 02-27-2020, 11:38 AM   #38
M16
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My pet insurance cost a nickel. It’s called a bullet.
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Old 02-27-2020, 11:41 AM   #39
Drycreek3189
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My pet insurance cost a nickel. Itís called a bullet.
Wow, what a tough guy you are !
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Old 02-27-2020, 11:42 AM   #40
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This type of comment is why I only read the Classified Section of TBH any longer.
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Old 02-27-2020, 11:43 AM   #41
Mayhem
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Quote:
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My pet insurance cost a nickel. Itís called a bullet.


Cheaper to get a new pet.


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Old 02-27-2020, 11:44 AM   #42
scoutman
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Quote:
Originally Posted by Dusty Britches View Post
I'm going to have to look into it again.

Imo - I could put $50 - $100 / mo aside and pay cash for most things that come up. By paying cash, I can usually negotiate a discount, too. I think pet insurance will be like human insurance - it will drive the costs up for everyone.
Friend of mine's dog swallowed a chew toy, 5k to have it removed. Most emergency reasons for a vet will be way over $1500. Just a observation.

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Old 02-27-2020, 11:51 AM   #43
Patriot-2000
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Just can't get Insurance for Existing conditions and strays (Only if a Vet examines them) ...
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Old 02-27-2020, 12:00 PM   #44
M16
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Quote:
Originally Posted by Drycreek3189 View Post
Wow, what a tough guy you are !
**** right. I grew up having to be tough. I donít pay other people to do my dirty work. They are animals not humans. Seems like people forget that.
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Old 02-27-2020, 12:15 PM   #45
Revelation
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Whish I would have had it !! I had an exceptional female black lab with an exceptional bloodline that I searched hard for. We were in the hunt test game and she had just gotten her first title when she blew here left knee. Left knee surgery $ 3,500.00 got her healed up and started training again and you guessed it - blew her right knee !! Another $3,500.00. Vet said it was not hereditary just bad luck !!
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Old 02-27-2020, 12:29 PM   #46
Backwoods101
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Never heard of such a thing. Might get it for 2 of our dogs...not so much the 3rd one...I wait till he gets out before I patch the fence
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Old 02-27-2020, 12:36 PM   #47
DFWPI
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Yeah, it's been around a long time. One guy I use to work with got it back in the day on his tortoise.

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Old 02-27-2020, 12:51 PM   #48
bakin7005
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Quote:
Originally Posted by Acameron52 View Post
Just looked back and itís through Nationwide. Costs me $48.02 a month and they cover EVERYTHING. Anytime I take her to the vet I just fax or email them a copy of what was done and they get a check right back to me.
No deductible or copay?

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Old 02-27-2020, 12:56 PM   #49
Hawkpuppy 1
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Quote:
Originally Posted by Young gun 12 View Post
AllState said EVERY vet is on their plan
Wrong. Most clinics donít accept insurance as of now. Most provider/plans are reimbursement. Most, like our clinic do accept CareCredit or Scratchpay which you can pay out like a credit card.
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Old 02-27-2020, 01:28 PM   #50
Drycreek3189
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Quote:
Originally Posted by M16 View Post
**** right. I grew up having to be tough. I donít pay other people to do my dirty work. They are animals not humans. Seems like people forget that.
Iím just in awe of your manliness !
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