quote:

Originally posted by LBTRS:

quote:

Originally posted by irreverent:
<sigh>. Key in “routine pet coverage” in your search engine. For me, with google, the first 5 that popped were routine visits for your pet being covered by pet insurance. Petfirst, AKC, etc.

Lol, I went to the first company you listed (Petfirst) and it says specifically "Routine wellness and preventative treatment are not covered" and nothing on the list of what is covered is a "routine" procedure.

You're giving advice on something you seem to know little about.

Weirdly, in the synopsis, Petfirst specifically says “Petfirst is proud to offer routine wellness care coverage for our policy holders”..unquote.

quote:

Originally posted by irreverent:

quote:

Originally posted by LBTRS:

quote:

Originally posted by irreverent:
<sigh>. Key in “routine pet coverage” in your search engine. For me, with google, the first 5 that popped were routine visits for your pet being covered by pet insurance. Petfirst, AKC, etc.

Lol, I went to the first company you listed (Petfirst) and it says specifically "Routine wellness and preventative treatment are not covered" and nothing on the list of what is covered is a "routine" procedure.

You're giving advice on something you seem to know little about.

Weirdly, in the synopsis, Petfirst specifically says “Petfirst is proud to offer routine wellness care coverage for our policy holders”..unquote.

As your quote indicates, this is a rider that "policy holders" can add to their pet insurance policy.

The OP asked about and this thread is about covering accidents and illnesses with insurance and not "routine" care.

Any recommendations now?

My original advice still stands. Put the money that you would put into a premium every month, into an interest bearing savings account for a rainy day.
**again, if you have a breed with known issues or you know the breeder has had issues with certain lines, my advice would be different.
These are pets. If you are doing your research and buying responsibly, your issues should be minimal. That being said, the upfront payment for the animal itself would be high because all of the research that the breeder put into their genetics and making sure they are healthy.

Along with many other others, I’ve also had multiple rescues in my life. These are definitely a crapshoot, but I have never had an instance or I was not able to afford a bill, or give my pet a reasonable quality of life (10-18 yrs for a dog, 20+ years for a feline, over 30 years (and still counting) for parrots).
I love them beyond measure, but thus far have been able to recognize when it’s no longer a quality of life situation.
I also realize that these days some folks are over breeding and mixing genetics that shouldn’t necessarily be bred, but I still feel as though insurance is taking advantage of people’s hearts.

My best to you and whatever you decide. Just so you know, your veterinarian is going to encourage you to get insurance - the ones they carry. Just pay attention to the fact that the premiums can go up dramatically.

I got policies for our Bull Mastiff & French Bulldog. I had never thought to look into heath insurance for a K9 before but something perked my interest. The company I landed on is called Lemonade. Premium’s for both dogs are $87 a month. You pick various coverage options to determine your premiums.

I used the policy for what called BOAS surgery on the French Bulldog last October. The $4000+ surgery cost us around $400. Easy peasy.

These policies are totally worth it imo, especially if you have a dog breed with issues.

Most plans primarily cover accidents and illnesses. Routine care, like vaccinations or regular check-ups, usually wasn't included unless you added it as an extra rider, similar to what some of the comments here are pointing out. I’d recommend checking the terms carefully. It can get confusing with all the different add-ons.

I have Pet Partners, I got it for free for the first 3 months when I got my pup Sequoyah, when I chipped him with my Vet through the AKC. I had a different policy for Ahyoka from a different company, but after the free period I switched Ahyoka to the policy I had from AKC for Sequoyah. The premium is $900.00 a year for both, and it paid for itself the first year ( Sequoyah will be two in March) because of an Injury he received that was $1500.00. With Ahyoka before I got Sequoyah on the old policy the yearly premium was $450.00 and that paid off when she was attacked by another dog and cost me $ 900.00 dollars Vet bill.

The policy doesn't cover most routine Vet bills, but does Cove some, and to me it's worth knowing that if something bad happens, I won't have to worry about the money.



ARman

Everyone I know that had these "insurances" were always denied. Most do not appeal. Of the small percentage that does, 1/2 of them may see some reimbursement. I think it is underregulated and scamming the people.