Join Date: Apr 2013
Location: Lomita California
After losing Foxy to Valley Fever in 2013, I believe Insurance is a must... and you need the right insurance! I had accident coverage through AKC and they paid nothing because it was an illness. I have covered Fergy with both Pet Plan (which I DO NOT recommenced, as you pay a deduct able for each incident) Embrace was excellent with great benefits like purchasing the wellness package, they match what you spend so it worked perfect the year we nutered him... however the premium nearly doubled the second year. I now also use Healthy Paws for Both Fergy & Zeke for all the same reasons TR has mentioned, I have the same coverage $250 80/20 they pay their claims almost instantly... but yes, the premium goes up every year, and the age of the dog matters at the onset. It is also best to get it young before the dog gets problems... no insurance will pay for pre-existing conditions.
IMO... having insurance takes all the question, and him-haw out of "Do we go the VET, or Not" when something happens... even a minor issue... you just GO because you know that you are covered... for me personally it gives me an immense sense of security.
Our weimaraner Greta cut an artery and 2 tendons on her leg, playing in the yard ( buried piece of glass).... she was injured on vacation one year chasing her Frisbee and stepped into a gopher hole... Fergy strained his back one night and ended up in emergency $1500 to find out the cause was due to excessive humping of his pillow ( thank goodness we had ins.) Fergy has also had a lot of ear issues that are covered, and Zeke has had problems with Foxtails, he has had to be anesthetized, Twice)... It is all covered...Thank goodness. The monthly premium is well worth the security... for me.
For new puppy owners, you hear all the time about pup's eating socks, chewing up ropes, collars, leashes etc etc... wind up getting cut open to remove the blockage, or eating something toxic or any of the thousands of insane things pups do to hurt themselves, or be hurt by other animals... My Niece's GSP lost an eye to her cat... over $7000 in surgeries when he was less than 6mo. old.... You just NEVER know!
Mr. Ferguson 6-25-13