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Linda P and Bear (RIP) and Max in OH
I know this dilemma!
Fri Sep 29, 2017 7:46pm

We never got insurance on our sweet Bear. He didn't need it until he was about 11. If we had paid $700 per year for insurance, by the time he needed care, we would have broken even. He was in intensive care for over a week, and by the time the bills were paid, it was about that much. That is without worrying about the size of a deductible or a percentage reimbursement.

A note here. Dayton Ohio is not as expensive as some areas of the country. Did your premium go up because you moved to a more expensive area?

Bear did get accupuncture after he got better, and I don't know if that would have been covered or not. You are finally at the point where you may start needing the coverage, and you have already given them enough to cover many types of treatment.

If you were saving that amount of money into a special doodle fund, you would have most or all of what you would need. But saving is hard for many of us, so an enforced savings in the form of insurance payments may work better. The huge deductible is a difficulty in my opinion.

As for dental, Bear's teeth didn't even need cleaning until he was about 11. I suspect it was the raw chicken wings he got for breakfast every morning. We may not be as lucky with Maxwell though.

You are playing the odds. Will your dog need something extreme or will there be no major medical bills. The insurance company needs folks to pay who won't need the major medical, in order to cover those who have huge bills, and still make at least a small profit for the company.

Here's hoping that you never have a need for a huge insurance payout on Charlie. Be a healthy boy, Charlie!

  • Petplan InsuranceDiana and Charlie, Fri Sep 29 5:57pm
    Hello Zoo! It has been a while since I have visited. I am sorry to read of the losses, it is always heartbreaking. My deepest condolences to you. We moved into our new home at the end of July and I... more
    • PetplanSD&B, Sat Sep 30 7:04pm
      One thing to keep in mind is that the deductible is per incident. (They do have a per year deductible now, but neither Sundog nor Barney qualified for it.) If the deductible is per incident, you will ... more
      • If the next claim if for the continuationLucyR(Ozzie's Mom), Sat Sep 30 10:04pm
        of a previous claim; e.g., more care for the same problem, then the deductible does not apply. At least, that is my understanding. Our experience has been with Ozzie's back issues, which are... more
        • Yes, that's true.SD&B, Sat Sep 30 10:42pm
          Your understanding is correct. That is considered one incident, which may require multiple treatments. The multiple treatments for the same incident are covered by one deductible. We've dealt with... more
    • I have Pet Plan for OzzieLucyR(Ozzie's Mom), Fri Sep 29 11:52pm
      He is 13 years old. Our premium is $1400/year with 70% coverage and $700 deductible. Ozzie has had several procedures, including dental surgery and "bump" removal, which were over $1000. I figure 2... more
    • I know this dilemma! — Linda P and Bear (RIP) and Max in OH, Fri Sep 29 7:46pm
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