Pet insurance. How much do you pay?

[Anonymous]

I'd guess that most pet owners in the US don't have any type of pet insurance at all. It's certainly something that I'd never even heard of when I was a child.

[Anonymous]

If you have the insurance for the life of the pet the insurance usually comes out ahead. I would only consider getting insurance on a working or hunting dog who was more likely to be involved in a serious accident.

[Anonymous]

Just had 11k bill for pneumonia, insurance paid 9500.

Yes, absolutely worth it.

Cost of premium, $89, we've had it for 3 ish years. Deductible is $500 per event. They will not pay for anything that would have come up before, even this. So buy it early.

Years ago, we had a combined bill of 15k for 2 dogs, one with cancer, one with a bowel obstruction. That convinced us.

[Anonymous]

$1600/year for 2 cats. When they were kittens, the premium was less than $400/year.

My male cat has urinary system issues. Once he had to stay over night for tests/observation and it was over $2000. The insurance paid 80%.

[Anonymous]

Anonymous wrote:If you have the insurance for the life of the pet the insurance usually comes out ahead. I would only consider getting insurance on a working or hunting dog who was more likely to be involved in a serious accident.

Most insurance companies have asterisks saying they won’t cover sports or working injuries. My agility friends have had to lie and say the dog jumped off the couch vs slipped on the aframe. I doubt the insurance companies are digging that far to figure out how the injury came about, but I’d be careful what you say to the vet if you have insurance with a sport/working dog.

[Anonymous]

We have a 10 year old German shepherd and have had insurance for her since she joined our family at 8 weeks. Our premiums are increasing to $131 next month, we have a $250 annual deductible and coverage is 80% beyond that. Her monthly allergy shots and medication (recently diagnosed with doggy lupus) are about $200 so in the long run it's been worth it. My 17 year old cat who I had to put down last month, had emergency surgery ($5000) ten years ago and our policy covered the 80% back then.

[Anonymous]

I didn't think insurance was worth it considering what it costs monthly vs. what it covers. I do have a benefit through my job that is 8.95 biweekly for 2 or more pets and part of it is 25% off all vet costs- exams, labs, x-rays, surgery, it has covered literally all vet costs so far and is more than worth it for that. There are other perks too though like discounted food, flea/tick and heart worm preventative, discounted microchips, discounted Bark Box and more.

[Anonymous]

Anonymous wrote:Nationwide- $65/month. Reimburses me for 70% of most visits, vaccines, prescriptions, etc.

Same. It’s paid for itself several times over so not sure what other posters are talking about being a scam. We get reimbursed fast as well.