Pet Insurance

He and I barely agree on any thing but this I do.

Nesalk's right. Insurance is sensible only for large potential losses. You'd have to be exceedingly poor or have one hell of a messed-up pet for pet health care costs to significantly impact your finances.

Human health care can be crazy expensive and requires insurance (unless you're crazy rich). Pet health care is far less expensive and best managed without insurance.

I don't (and won't) carry pet insurance for our dogs - that's a personal choice. However, I have to disagree with your comments about Pet health care costs. As with human health care, pet health care has evolved to the point where many problems that used to automatically call for euthanasia are now completely treatable and the pet can continue to live a long life afterwards. Unfortunately, the costs associated with some of those treatments ARE incredibly high. Have you been to a vet lately to see what some advanced procedures can cost?
Keep in mind that for many people, their pets are an extension of their family. In some cases, their ONLY family. Reality is that not everyone has the discretionary income to cover a large vet expenditure to try and save the life of their pet if a significant issue occurs. Having a pet for many people is the only luxury they can afford in their lives, and they may not be lucky enough to have savings accounts sitting there that can be tapped to cover a huge unexpected expense for something that is not a "necessity". It's easy to say just put that money aside every month, but for many people that money will then often get eaten away to cover other expenses and won't be there when needed for a vet bill. If paying a monthly fee is affordable to them and budgeting for it allows them the peace of mind to know that they may at least have the chance to help their pet it MAY be the right choice for them. But as I stated previously, it is buyer beware - many of the most affordable plans really offer little in the way of coverage.

Buying a pet health insurance is a good decision of pets owner. I have pet health insurance which gives cover for medical emergencies and even it covers all my vet bills. So I can stay stress free from the burden of high veterinary bills. My pet insurance gives cover for the loss and theft of my pet also. Thanks!!




pet medicine

I too agree with Nesalk.

A few years ago I made some phone calls to VPI for my grandma's hard of hearing neighbor as to why they weren't covering her dog's illness. Long story short, they screwed her in the small print. I'd go with the 50 bucks a month hidden in your sock drawer.

Most of the time after a costly procedure (ins. or not) the quality of life sucks for the animal.
Save your money and be humane.

On to more fun things.

Male or female?

Black, chocolate, yellow, or white?

I love labs. Some of them are big chow hounds. They would try to eat a bag of dog food if they could.

Can you post a picture?

Lots of agreement with Nessie point in this thread.

Just take good care of your pet throughout their life, good food, shots and pills on schedule, etc.

Enjoy your puppy

I'd love to have pet insurance for my 6 dogs. It's just too expensive for me, although my medical cost are outrageous, I just have to bite the bullet and pay the costs. Two of my dogs have Cushings disease, which their mother had, even though it's not supposed to be hereditary. It costs almost $200 a month for just two dogs, not to mention one dogs "crazy" pills that are about $50 a month. But there is NO way my babies are going to get anything but the BEST care available. I'll go broke first before anything happens to them!