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Pet Insurance

Discussion in 'BBS Hangout' started by heypartner, Jul 24, 2014.

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  1. heypartner

    heypartner Member

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    After reading SunsRocketfan's post, and his decision and others in the thread and who I know, I'm considering the insurance. But have heard some bad reviews.

    Anyone use insurance? PetPlan? Their website calculator priced my mixed-breed, 20-70lb, 12 yr old at $70/mo.

    That's a lot, but I've spent nearly $3k in the last two years on just random illnesses.

    Right now, she has been examined with a clean bill of health, so I don't think I will get screwed by pre-existing conditions.
     
    #1 heypartner, Jul 24, 2014
  2. The Captain

    The Captain Member

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    Based on your numbers I looked up your quote.

    Looks like you are talking about the Silver plan. Limit on this for your dog is $14k, with 80% coverage (reimbursement) and $200 deductable

    Your annual premiums are going to be $840.
    Your deductible will be $200
    The plan will cover 80% of the rest. $3000-200=$2800 * .2 = $560 out of pocket.

    So your total out of pocket for this plan will be $840+$200+$560= $1600 to cover $3000 in expenses based on your dog's history.

    Your out of pocket if you spend less than $200 at the vet will be $840 for premiums + anything under $200, so probably around $1000 just to have the insurance and not use it.

    I couldn't justify that on the slim chance I might spend $3k.
     
    #2 The Captain, Jul 24, 2014
  3. OlajuwonFan81

    OlajuwonFan81 Member

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    70/month seems steep.

    Hit up your local congressmen to make a push to put a stipulation in the affordable care act to also include pets.
     
    #3 OlajuwonFan81, Jul 24, 2014
  4. SwoLy-D

    SwoLy-D Member

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    Pet Insurance? LOLs. :grin:
     
    #4 SwoLy-D, Jul 24, 2014
  5. Felixthecat

    Felixthecat Member

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    Mexican? Lol jk. I know you're Mexican.
     
    #5 Felixthecat, Jul 24, 2014
    1 person likes this.
  6. Freik

    Freik Member

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    I don't have insurance, but have had the wellness plan on my dog since I got him 7 years ago. I was paying $16 a month until some expensive blood tests were needed. They upped my plan to $32 a month, did the tests, then I called in and they dropped it back down to $16 the next month. Its saved me quite a bit over the years.
     
    #6 Freik, Jul 24, 2014
  7. Haymitch

    Haymitch Custom Title

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    Similar here. The Pet Insurance was too much, but I did a Wellness Plan with Banfield (yeah, I know, they suck - I don't use them anymore) and that was cheaper than paying for one costly visit out of pocket.

    That dog has been very healthy of late, so I took him off the Wellness Plan a couple years ago. He's kind of sickly and always has been but he's in good shape right now. Yearly trips to Fulshear Animal Hospital for a full check up and teeth cleaning are enough for now.
     
    #7 Haymitch, Jul 24, 2014
  8. MystikArkitect

    MystikArkitect Member
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    Been paying 40 for 6 MO Boston Terrier.

    Don't know how I didn't do this before, I spent at least 1200 alone the first 8 months I had my Rottie.
     
    #8 MystikArkitect, Jul 24, 2014
  9. heypartner

    heypartner Member

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    I picked Bronze, but did 90% reimbursement. That's why it looked like Silver.

    Hate to jinx my dog, but why you say "slim chance" for a 12 yr old? I would say it's within reasonable betting odds.
     
    #9 heypartner, Jul 24, 2014
  10. moligity

    moligity Member

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    Does anyone have a company they recommend? Or what to look out for when shopping around.
     
    #10 moligity, Jul 24, 2014
  11. SunsRocketsfan

    SunsRocketsfan Member

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    I had previously used pet's best insurance and they were okay when I used him for my dog's ACL surgery. This time I am paying out of pocket.

    Something else to consider and use if you have a unexpected vet bill is care credit. http://www.carecredit.com/

    Depending on the amount.. they offer 6 month, 12 month and 18 month interest free payments.
     
    #11 SunsRocketsfan, Jul 24, 2014
  12. K-Low_4_Prez

    K-Low_4_Prez Member

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    Swolys dog roams the yard and has gotten parvo 3 times... But he is still here like a boss
     
    #12 K-Low_4_Prez, Jul 24, 2014
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