Most pet insurance does not cover the vaccines or spaying/neutering. When I looked into it, I found that with the premium, the deductible, and the limited items that it pays for, that it would be better for me to put the 'premium' in a bank account and if something big happened then I would have the money to pay for it. Additionally, some of the companies charge extra if you do not get the coverage when the dog is a puppy. If your dog is older, you have to answer a questionaire and if your vet has ever documented some ailments there would be exclusions. Dolly had the colitis as a puppy, so it would not cover anything related to that; and if your vet has ever said, and documented, that your dog has a luxating patella (no matter if it was so minimal or the worst) there would be exclusions for that. My neighbor's dog had bladder stones, so she would not be covered for anything due to the stones. You really need to look into several companies and enter the info for your dog(s) and see what the premiums come out to and what the deductibles are and the items that they will not pay for. If you are like me and many others on this group with more than one dog...then the cost is really prohibitive.
To: [email protected] From: [email protected] Date: Fri, 11 Nov 2011 17:27:41 -0500 Subject: Re: [Chihuahuas] Pet Insurance ? I have no idea what pet ins. would cost. My pets have rarely ever been sick and as for spaying, neuter, vaccines,etc I am sure of big deductables. Ann On Fri, Nov 11, 2011 at 5:13 PM, Beth Michl <[email protected]> wrote: I am not sure if this subject has been discussed here? I don't always see all the post: Most of you know I lost Smidgen in September from heart failure. She was diagnosed with it shortly after I rescued Vida in March. I didn't have any pet insurance for her or Chassis all these years, Just always paid what the vet charged for there yearly shots, teeth, check ups etc.. >From then until now I have spent over $ 2000.00. Part of it was on Chassis >shots and teeth cleaning in March. I want to see if it is worth it to get Insurance? Do any of you have it? If you do with who? & what does it cover? So confused about what is covered? Any help would be appreciated on the subject... Beth
