I got a golden retriever puppy in May 2010, our friends recommended us to get pet insurance, but we decided against it. We had never heard of it at the time. Also we had checked into the health history of the breeder's dogs to ensure there were no issues.
Two months after we got her she slowly developed difficulty swallowing water, and it progressed to issues with food as well. Over the next month it got worse...long story short, they diagnosed her with a rare disorder called cricopharyngeal achalasia. Serious, but treatable. It required multiple vet visits, specialist referrals, rechecks, diagnostic tests and two surgeries. One for the disorder, the next for a gastropexy as this disorder makes her more likely to develop bloat at some point.
As you would expect, it ran into thousands of dollars. She still cannot swallow as normal but she is healthy and doing well.
We wished so many times that we had bought pet insurance, even a basic plan would have helped a lot. Its going to be one of those things you wished you had if anything happens, or think your wasting your money on if the dog's health is perfect.
IMO I would get it for at least the first year, by then you should know if there are any congenital things you need to worry about. But if you don't have it and something comes up like it did for me, they won't insure you, and you're out a lot of cash, like me.
Hope this helps
MDJAK wrote in post #11679839
So I'm getting a new puppy in March, a yellow lab. I currently have two dogs.
Vets have become such big business, at least in NYC, that that's exactly what it is, a business. They push tests to drive their bottom line.
I'm thinking of getting a pet insurance policy for the first time.
Anyone here have any experience they can share? Is it worth it? Is it not?
Your thoughts are appreciated.