I am on a limited budget, but i need a decent lifetime cover policy. Preferably where the premiums don’t rocket after a claim or when the time comes to renew it. More then seem the cheapest, but many people have said not to go with them… are there any other companies you would recommend?
I would agree with the first person that answered, well for the most part. Pets are definitely worth it, they don’t have to be expensive, they are part of our family and we love them. Insurance is just as expensive for animals as it is for people and has just as many flaws.
In our practice, I have actually not seen anyone who has insurance on their pets. I have read over a few plans and didn’t like what I saw. By the time you’ve paid the premiums for a year, you’ve already more than paid for the cost of yearly necessities…vaccinations, flea/tick and heartworm medications, etc. The plans I saw would really only cover anywhere from $500-$900 for a major medical procedure, such as a broken leg or foreign body ingestion. That nowhere near covers the cost but definitely would help…until you look at what you’ve paid in monthly premiums. Seems they kind of cancel each other out.
Any kind of crisis can arise when you own pets, believe me, I’ve seen it all. It is great that you are taking steps to help protect your pet, but I would agree that you should start a savings account, it would earn interest or just put money aside at home. Best of luck to you and your pooch, bullmastiffs are awesome dogs!
#1 by Chris on June 27, 2010 - 11:38 pm
I used to have my dog with Pet Plan. Honestly, I did a cost benefit analysis a year after signing up. I had the highest possible coverage because he was a puppy and that covered his shots and neutering etc. I spent $1500 in premiums and $2500 in bills and only got $1200 back over approximately 15 months. I figured I’d be better off to just put the $100 a month into a saving account and setting it aside for would-be emergencies rather than giving the money to Pet Plan. After the first year they started refunding less as well because I was using it so much. Total ripoff! I will never have pet insurance again. Not for a pet. Maybe if I had a show dog that was worth thousands. But never for a pet animal.
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#2 by The B's on June 28, 2010 - 12:06 am
I would agree with the first person that answered, well for the most part. Pets are definitely worth it, they don’t have to be expensive, they are part of our family and we love them. Insurance is just as expensive for animals as it is for people and has just as many flaws.
In our practice, I have actually not seen anyone who has insurance on their pets. I have read over a few plans and didn’t like what I saw. By the time you’ve paid the premiums for a year, you’ve already more than paid for the cost of yearly necessities…vaccinations, flea/tick and heartworm medications, etc. The plans I saw would really only cover anywhere from $500-$900 for a major medical procedure, such as a broken leg or foreign body ingestion. That nowhere near covers the cost but definitely would help…until you look at what you’ve paid in monthly premiums. Seems they kind of cancel each other out.
Any kind of crisis can arise when you own pets, believe me, I’ve seen it all. It is great that you are taking steps to help protect your pet, but I would agree that you should start a savings account, it would earn interest or just put money aside at home. Best of luck to you and your pooch, bullmastiffs are awesome dogs!
References :
vet tech 13 yrs.
#3 by caraminge on June 28, 2010 - 12:52 am
I recently got insurance for my puppy, with more than. It’s between £10 & £30 a month.
£7500 vet fees per injury
£600 if they go missing for advertisement
£2 million in court fees, if he/she does anything naughty.
They have the best ones
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