Approve the Cookies
This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies and our Privacy Policy.
OK
Index  •   • New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
Guest
New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
Register to forums    Log in

 
FORUMS Community Talk, Chatter & Official Stuff The Lounge 
Thread started 20 Jan 2011 (Thursday) 13:54
Search threadPrev/next
sponsored links
(this ad will go away when you log in as a registered member)

Pet Insurance? Who's Got It? Who Wishes They Did?

 
MDJAK
Cream of the Crop
Avatar
24,735 posts
Gallery: 7 photos
Likes: 191
Joined Nov 2004
Location: New York
     
Jan 20, 2011 13:54 |  #1

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.

mark




  
  LOG IN TO REPLY
sponsored links
(this ad will go away when you log in as a registered member)
RobCoombs
Member
69 posts
Joined Jan 2011
Location: Canada
     
Jan 20, 2011 14:09 |  #2

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 (external link)
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.

mark


Canon 5DII [] Canon 85 1.8 [] Canon 50mm 1.8 [] YN-465 [] www.500px.com/robcoomb​s (external link) []

  
  LOG IN TO REPLY
muskyhunter
Goldmember
Avatar
1,137 posts
Likes: 4
Joined Nov 2010
Location: Toronto, Canada
     
Jan 20, 2011 14:22 |  #3

For the $30-$50 a month i'd get the insurance.



  
  LOG IN TO REPLY
FuzzFace
Goldmember
Avatar
1,076 posts
Joined Dec 2009
Location: New Brunswick Canada
     
Jan 20, 2011 14:27 |  #4

We have insurance for our lab, never had any problems but being that he is a lab prone to hip dysplasia and cancer we thought it better to get the insurance because we see him as a member of the family and if anything were to happen we would do whatever it took to pay for it.




  
  LOG IN TO REPLY
AmandaMarie
Cream of the Crop
Avatar
6,211 posts
Likes: 3
Joined Jul 2009
     
Jan 20, 2011 16:14 |  #5

I'm going to make my usual plug and say you should really try adopting, as opposed to buying from a breeder.

There are many rescue agencies that specialize in specific breeds. The other plus about adopting an older dog (ie. 6 months to 2 years) is that if they're going to develop any early life diseases, it would have happened already. All of the dogs we get at both rescues I work with have already had all these tests done and the adoption fee you pay is about 10% of that which you would pay for a "purebred" dog. Not to mention that many of the breeds people tout as purebred, are not purebred. It's a marketing thing. Many real purebred dogs come through the adoption system.

Anyways, before someone yells at me for not responding to the OP's question: yes, you should get health insurance. Save yourself the heartbreak of having to put your new best friend down because you can't afford an emergency surgery. Yearly teeth cleaning can run hundreds of dollars. There's also yearly vaccinations.

We don't have health insurance on our dog, but my parents are stable enough to have afforded any (only two) emergencies we've ever had.

Good luck, and remember to train your puppy with positive affirmations instead of treats, and no pinch/choke collars.

And ALWAYS find out the number and address of your local 24 hour emergency pet hospital. :D


Meow.

  
  LOG IN TO REPLY
Grumps ­ Photo
Suffering Keyboard in Mouth desease
Avatar
2,012 posts
Likes: 25
Joined Oct 2004
Location: Ottawa, Canada
     
Jan 20, 2011 16:17 |  #6

Our chocolate lab developed a joint problem that required surgery, not too bad on costs ($1500). The foreleg elbow developed a growth that inhibited her walking. Actually common at less than a year old.

Our black lab has been problem free. (Though we might run into physciatry fees, this one is nuts!)

We do not have insurance on either of them. Tempted on the black after the other one, but went without.


Grumps
(aka Jim or JAZZ D.P.G.)
1DsMKIII, 1DMKIII, T6s, D60, L's, DO, USM, other lens, flashes, studio gear (but no studio!) Olympus TG3
grumpsphoto.com

  
  LOG IN TO REPLY
AmandaMarie
Cream of the Crop
Avatar
6,211 posts
Likes: 3
Joined Jul 2009
     
Jan 20, 2011 16:24 |  #7

JAZZ D.P.G. wrote in post #11680661 (external link)
Our chocolate lab developed a joint problem that required surgery, not too bad on costs ($1500). The foreleg elbow developed a growth that inhibited her walking. Actually common at less than a year old.

Our black lab has been problem free. (Though we might run into physciatry fees, this one is nuts!)

We do not have insurance on either of them. Tempted on the black after the other one, but went without.

HAHAHAHAHA oh my. I have to agree there. Sometimes I wonder what planet my dog was born on. :rolleyes:


Meow.

  
  LOG IN TO REPLY
Cebu
Member
111 posts
Joined Apr 2009
Location: So. Cal
     
Jan 20, 2011 17:19 as a reply to  @ AmandaMarie's post |  #8

Mark,

I have a Chocolate Lab, 11 yrs old and a German Shorthaired Pointer,
10 yrs old. They're both adopted from a rescue group. I got that pet insurance offered by PETCO. Sorry I forgot the name of it right now. Had it for 4 years now. I have the 70/30 plan and am very lucky their Vet gives me a discount, to boot. Paying $59.00/month right now for both of them.

IMO, pet insurance is a must if you have a pet. It came in handy one time on a $1,500.00 bill.

Big Smile




  
  LOG IN TO REPLY
FuzzFace
Goldmember
Avatar
1,076 posts
Joined Dec 2009
Location: New Brunswick Canada
     
Jan 20, 2011 17:37 |  #9

The first weekend we had hunter insured he managed to cut him self on his rib cage on a Sunday. so it paid for it self right there, after-hours/weekend vet visit for 10 stitches, would have been $500 or more, we only had to pay the $100 deductible. It also covers obedience training, and other things they we have yet to take advantage off. We are insured through www.petsecure.com (external link) I think they are Canadian only.




  
  LOG IN TO REPLY
rklepper
Dignity-Esteem-Compassion
Avatar
8,994 posts
Likes: 3
Joined Dec 2003
Location: No longer living at the center of the known universe, moved just slightly to the right. Iowa, USA.
     
Jan 20, 2011 23:17 |  #10

I have pet insurance and I am glad I do. I have never used it, but the peace of mind it gives me is irreplaceable.


Doc Klepper in the USA
I
am a photorealist, I like my photos with a touch of what was actually there.
Polite C&C always welcome, Thanks. Gear List

  
  LOG IN TO REPLY
rklepper
Dignity-Esteem-Compassion
Avatar
8,994 posts
Likes: 3
Joined Dec 2003
Location: No longer living at the center of the known universe, moved just slightly to the right. Iowa, USA.
     
Jan 20, 2011 23:18 |  #11

Oh and I am (Ruby is) insured through the NEA (National Education Association). If you are a member of any professional associations check and you may get good rates though them.


Doc Klepper in the USA
I
am a photorealist, I like my photos with a touch of what was actually there.
Polite C&C always welcome, Thanks. Gear List

  
  LOG IN TO REPLY
smyke
Senior Member
Avatar
560 posts
Gallery: 18 photos
Best ofs: 1
Likes: 30
Joined Oct 2010
Location: CT
     
Jan 20, 2011 23:36 |  #12

When it comes to vets remember that you don't have agree to every thing they recommend for your pup. Like you said its all about making $$$.
There have been many studies done proving how over-vaccinating can be detrimental to dogs. I will try to post some links for you later. I am not saying not to vet your dog but do your homework. Your best bet is to find a yellow lab forum where you will find many owners, breeders and rescues and you will learn a ton.
Do your research on food as well. That plays a major role in your dogs health. We feed our German Shepherd raw diet and she is thriving on it. Its a bit more involved but cost wise its about the same as quality keeble and its natural.
OK, enough rambling. ;)
Good luck with your puppy.


Mike

Flickr (external link)
Gear

  
  LOG IN TO REPLY
MDJAK
THREAD ­ STARTER
Cream of the Crop
Avatar
24,735 posts
Gallery: 7 photos
Likes: 191
Joined Nov 2004
Location: New York
     
Jan 21, 2011 07:08 |  #13

I certainly everyone's input, and I do mean everyone.

As to adopting a pet, my daughter just adopted a cat and dog and they are both excellent pets. As for myself, I recently visited two very large shelters in New York and unfortunately and sadly 99 percent (and that is NOT an exaggeration) of the dogs are pitbulls. Now I've owned 3 pitbulls and absolutely love them. But they are/can be dog aggressive and I have a Yorkie (4 lbs) and a shih tzu, and I could never take a chance with a pitbull. My pit, which died last year, was the sweetest dog to people, but did damage to animals wandering onto my property and my wife is done with that.

As to rescues, we once took a chance on a beautiful chocolate lab 2 yrs old. We had a chocolate at the time which was the calmest lab ever. Well, this rescue literally climbed the walls in my house. No amount of training could calm it down and we were forced to give it back to the owner. We realized why he wanted to give it up.

So in this instance, we know a very reliable breeder, we've seen the litter, and we are set on a yellow male who will be 8 weeks first week in March.

I'm definitely going to get pet insurance this time. And I do know you don't have to let the vets do all they want. I'm very good at putting my foot down, even though it is only a size 11.5 :lol:

mark




  
  LOG IN TO REPLY
MDJAK
THREAD ­ STARTER
Cream of the Crop
Avatar
24,735 posts
Gallery: 7 photos
Likes: 191
Joined Nov 2004
Location: New York
     
Jan 21, 2011 07:12 |  #14

So how many of you noticed at the top of the thread Ads by Google give a pet insurance company's name? That is amazing. I never noticed that before.

If Pekka makes money off of my clicking on that ad and signing up, I'm thrilled. I don't know how I've not seen those before. Somehow we've got to publicize that. Either that, or I'm just deaf and blind. ;)

me




  
  LOG IN TO REPLY
AmandaMarie
Cream of the Crop
Avatar
6,211 posts
Likes: 3
Joined Jul 2009
     
Jan 21, 2011 15:14 |  #15

MDJAK wrote in post #11684490 (external link)
I certainly everyone's input, and I do mean everyone.

As to adopting a pet, my daughter just adopted a cat and dog and they are both excellent pets. As for myself, I recently visited two very large shelters in New York and unfortunately and sadly 99 percent (and that is NOT an exaggeration) of the dogs are pitbulls. Now I've owned 3 pitbulls and absolutely love them. But they are/can be dog aggressive and I have a Yorkie (4 lbs) and a shih tzu, and I could never take a chance with a pitbull. My pit, which died last year, was the sweetest dog to people, but did damage to animals wandering onto my property and my wife is done with that.

As to rescues, we once took a chance on a beautiful chocolate lab 2 yrs old. We had a chocolate at the time which was the calmest lab ever. Well, this rescue literally climbed the walls in my house. No amount of training could calm it down and we were forced to give it back to the owner. We realized why he wanted to give it up.

So in this instance, we know a very reliable breeder, we've seen the litter, and we are set on a yellow male who will be 8 weeks first week in March.

I'm definitely going to get pet insurance this time. And I do know you don't have to let the vets do all they want. I'm very good at putting my foot down, even though it is only a size 11.5 :lol:

mark

Well I'm glad you considered it. There are other options than shelters though. Rescue agencies like the ones I work with place our animals into foster homes right away, so they are already in a home environment and they get paid-for behavioural training. And the dogs with problems that can't be resolved, are adopted to families who are ready and willing to deal with it. Not to unsuspecting families.

Either way, I wish you all the luck in the world with your new puppy. I have my eye on a little one in our system who I'm hoping to adopt in April.

Have fun! :D


Meow.

  
  LOG IN TO REPLY
sponsored links
(this ad will go away when you log in as a registered member)

1,458 views & 0 likes for this thread
Pet Insurance? Who's Got It? Who Wishes They Did?
FORUMS Community Talk, Chatter & Official Stuff The Lounge 
AAA
x 1600
y 1600

Jump to forum...   •  Rules   •  Index   •  New posts   •  RTAT   •  'Best of'   •  Gallery   •  Gear   •  Reviews   •  Member list   •  Polls   •  Image rules   •  Search   •  Password reset

Not a member yet?
Register to forums
Registered members may log in to forums and access all the features: full search, image upload, follow forums, own gear list and ratings, likes, more forums, private messaging, thread follow, notifications, own gallery, all settings, view hosted photos, own reviews, see more and do more... and all is free. Don't be a stranger - register now and start posting!


COOKIES DISCLAIMER: This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies and to our privacy policy.
Privacy policy and cookie usage info.


POWERED BY AMASS forum software 2.1forum software
version 2.1 /
code and design
by Pekka Saarinen ©
for photography-on-the.net

Latest registered member is Davef45140
860 guests, 199 members online
Simultaneous users record so far is 15144, that happened on Nov 22, 2018

Photography-on-the.net Digital Photography Forums is the website for photographers and all who love great photos, camera and post processing techniques, gear talk, discussion and sharing. Professionals, hobbyists, newbies and those who don't even own a camera -- all are welcome regardless of skill, favourite brand, gear, gender or age. Registering and usage is free.