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Re: Health Insurance for Dogs [Re: kdkane1971] #8420352 10/16/21 09:39 PM
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lenemax Offline
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It has been a while now. Do you recommend one from your own experience?

Re: Health Insurance for Dogs [Re: kdkane1971] #8420382 10/16/21 10:28 PM
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Personal experience no. Different strokes for different folks.


Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill


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Re: Health Insurance for Dogs [Re: kdkane1971] #8420983 10/17/21 11:36 AM
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I have Pet Plan on my dog Rally.

I got for pretty much only one reason and that's for if she blows an ACL. It's becoming hard to find a competitive field trial dog that hasn't blown an ACL.




Last edited by BradyBuck; 10/17/21 11:37 AM.

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Re: Health Insurance for Dogs [Re: The Point] #8420997 10/17/21 11:42 AM
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[/quote]Like you said to each their own. I would rather put the $360 a year times three dogs in my pocket. If something does happen I'll have the money to pay for it because I have located an honest, reasonably priced vet. If something doesn't happen I'm way ahead because I don't buy the extended warranty on my toaster and every appliance, stereo, lawn mower etc etc etc that's available. Insurance purchased wisely is for catastrophic protection only. [/quote]


We are talking about a $5000 surgery...

Your $360 a year won't go far on much of anything..


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Re: Health Insurance for Dogs [Re: kdkane1971] #8422249 10/18/21 02:40 PM
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I acquired two 6 year old vizsla last year.
Previous vet records, showed nothing that could be considered pre-existing. So I put insurance on them. Eleven months later, one hurt his knee on a holiday weekend. Between the ER trip to A&M, and TPLO surgery there, it would have cost me $4600. The insurance paid 80% of the bill, after the $250 yearly deductible. He may or may not need some rehab to build back up the muscle loss in that leg. If he does insurance will pay 80% of that too.



Shopping with your husband is like hunting with the game warden.
Experience is what you get, when you didn't get what you wanted.


Re: Health Insurance for Dogs [Re: kdkane1971] #8422686 10/18/21 08:54 PM
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We haven't had it on any of our animals, but I have a buddy that has bulldogs and has it on every one of them. I guess ACL's and TPLO's are pretty common for that breed and for him, it's a pretty safe investment for things he knows will eventually happen. I will say that after having lost two of our rott's to cancer, I wish we had purchased it for them. Cancer treatments are really expensive.


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Re: Health Insurance for Dogs [Re: kdkane1971] #8422756 10/18/21 10:25 PM
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I just AKC registered a year old pup yesterday. He has 30 days of free insurance. That’s the only coverage he’ll ever have. I told him about it and he’s already acting a little careless! roflmao

Re: Health Insurance for Dogs [Re: scalebuster] #8422759 10/18/21 10:28 PM
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Originally Posted by scalebuster
I just AKC registered a year old pup yesterday. He has 30 days of free insurance. That’s the only coverage he’ll ever have. I told him about it and he’s already acting a little careless! roflmao


They don't listen.


...and have dominion over the fish of the sea, and over the fowl of the air, and over every living thing that moveth upon the earth. Gen. 1:28
Re: Health Insurance for Dogs [Re: kdkane1971] #8423599 10/19/21 05:19 PM
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After the second major vet bill in the first year I got it on the dog I have now. If something can happen it will with him. I’m on the third year of insurance and he has more than covered the insurance cost every year.

Re: Health Insurance for Dogs [Re: huntsetter1] #8423603 10/19/21 05:23 PM
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Originally Posted by huntsetter1
After the second major vet bill in the first year I got it on the dog I have now. If something can happen it will with him. I’m on the third year of insurance and he has more than covered the insurance cost every year.


Yep. Works great for some.


Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill


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Re: Health Insurance for Dogs [Re: kdkane1971] #8423892 10/19/21 11:42 PM
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Spam

Last edited by TreeBass; 03/17/22 09:23 PM.
Re: Health Insurance for Dogs [Re: kdkane1971] #8435184 10/31/21 07:50 PM
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uh, no.


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"Give me an Army of West Point graduates and I'll win a battle... Give me a handful of Texas Aggies and I'll win a war." - General Patton


Re: Health Insurance for Dogs [Re: kdkane1971] #8435468 11/01/21 01:50 AM
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I have very limited experience with pet insurance, but a lot of vets that I know recommend Trupanion.

In most (all that I know of) the insurance is more of a reimbursement plan that what we think of as health insurance for people. You have to pay up front to the vet then get reimbursed from the insurance company.

I personally think its a great thing to have. As more and more advances are made in terms of treatments, prices for these go up as well. Add in that the vet industry is finally catching up on vet and vet technician pay, veterinary care, especially emergency care, can be costly.

I know I'm gonna hear "vets are paid too much" etc. Vets pay pretty much the same amount as medical or dental school tuition and at graduation average about $200,000 in student debt. All while making a fraction of other medical fields. Last data I saw said average new grad small animal vets are making like 90-100k. Good money yes, but far cry from MD salary.

Re: Health Insurance for Dogs [Re: Cow_doc.308] #8436280 11/01/21 11:58 PM
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I don’t complain about what my vet charges. He’s reasonably priced, and I know they have overhead expenses.
He used to give me a look, to see my reaction. If he thought one of my dogs needed a specialist. I’ve used him now for the last ten years. I value his opinion, so if he thinks they need to go to a specialist. We go to one.
He’s even came into the office on a day off, when one of my dogs sliced a foot open.
I make sure I send him tiffs treats, and gifts on holidays. So he knows him and his staff are appreciated.



Originally Posted by Cow_doc.308
I have very limited experience with pet insurance, but a lot of vets that I know recommend Trupanion.

In most (all that I know of) the insurance is more of a reimbursement plan that what we think of as health insurance for people. You have to pay up front to the vet then get reimbursed from the insurance company.

I personally think its a great thing to have. As more and more advances are made in terms of treatments, prices for these go up as well. Add in that the vet industry is finally catching up on vet and vet technician pay, veterinary care, especially emergency care, can be costly.

I know I'm gonna hear "vets are paid too much" etc. Vets pay pretty much the same amount as medical or dental school tuition and at graduation average about $200,000 in student debt. All while making a fraction of other medical fields. Last data I saw said average new grad small animal vets are making like 90-100k. Good money yes, but far cry from MD salary.


Last edited by kindall; 11/01/21 11:59 PM.


Shopping with your husband is like hunting with the game warden.
Experience is what you get, when you didn't get what you wanted.


Re: Health Insurance for Dogs [Re: kindall] #8436294 11/02/21 12:09 AM
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Originally Posted by kindall
I don’t complain about what my vet charges. He’s reasonably priced, and I know they have overhead expenses.
He used to give me a look, to see my reaction. If he thought one of my dogs needed a specialist. I’ve used him now for the last ten years. I value his opinion, so if he thinks they need to go to a specialist. We go to one.
He’s even came into the office on a day off, when one of my dogs sliced a foot open.
I make sure I send him tiffs treats, and gifts on holidays. So he knows him and his staff are appreciated.



Originally Posted by Cow_doc.308
I have very limited experience with pet insurance, but a lot of vets that I know recommend Trupanion.

In most (all that I know of) the insurance is more of a reimbursement plan that what we think of as health insurance for people. You have to pay up front to the vet then get reimbursed from the insurance company.

I personally think its a great thing to have. As more and more advances are made in terms of treatments, prices for these go up as well. Add in that the vet industry is finally catching up on vet and vet technician pay, veterinary care, especially emergency care, can be costly.

I know I'm gonna hear "vets are paid too much" etc. Vets pay pretty much the same amount as medical or dental school tuition and at graduation average about $200,000 in student debt. All while making a fraction of other medical fields. Last data I saw said average new grad small animal vets are making like 90-100k. Good money yes, but far cry from MD salary.




Those kind of things make you an A list client. If all clients were like that, so many problems would go away in our industry. It’s really crazy/scary how some clients treat their vet.

Re: Health Insurance for Dogs [Re: kdkane1971] #8436312 11/02/21 12:23 AM
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That’s sounds like a great vet. My current vet office quit boarding, only open Monday-Friday 8-6, closed for lunch 1.5 hours, and no emergency call outs. I have a good vet clinic 80 miles from hunting lease that does emergency call outs 24 hours. It’s 1.5 hours from my house, but I’ve been seriously thinking about using them full time.



Re: Health Insurance for Dogs [Re: 68rustbucket] #8436394 11/02/21 01:36 AM
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Originally Posted by 68rustbucket
That’s sounds like a great vet. My current vet office quit boarding, only open Monday-Friday 8-6, closed for lunch 1.5 hours, and no emergency call outs. I have a good vet clinic 80 miles from hunting lease that does emergency call outs 24 hours. It’s 1.5 hours from my house, but I’ve been seriously thinking about using them full time.



Does you GP see you if you have an after hours emergency? Most likely not, you'll go to an ER. That is rapidly becoming the reality of veterinary medicine in medium sized and larger towns. Why? Because working 8-6 (and probably longer than that honestly) and then being on call all night is wears a person down. Especially if it's a smaller practice with only one or two vets to cover emergency. When I was in mixed practice, I had many days that I work 7:30-5:30 then get called back for emergency til after midnight. Not to mention the weekends that I spent all day at the clinic seeing one emergency after another. It played a big role in why I left the practice.

I know it's hard for clients too, but the veterinary industry is changing. It will continue to change and more and more independent clinics are bought out by large corporations.

I see emergencies now for my current clients only. I do this for a host of reasons, but a big one being I like to see my kids and wife in the evenings and help get the rugrats in bed.

Re: Health Insurance for Dogs [Re: kdkane1971] #8437468 11/03/21 01:59 AM
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People complain about vet bills or dont pay em and leave animal behind. Dentists probably have it best as they can get away with saying "you dont pay, I wont do the work"
It is true the lifestyle and cost of school and pay of a vet and the corporate takeover of practices. I have couple friends that are vets. Starting pay for a vet in a corporate practice can be $80K. Some UPS drivers make more. Its also harder to get in vet school than medical school. It really is a calling and I have great respect for vets as a whole.
I took ez way out and went to medical school.......medicine aint what it used to be either. Cant complain overall but medicine has seen its good days as a profession.
On the topic, however, I did get pet insurance for first time recently for the new pup.

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