Thinking about canceling pet insurance.

julie87 · 03-06-2013, 07:10 PM

It's too expenssive paying $54 every month with $200 deductible with Petplan.The only reason I got it is to possible cover hip displasia. But I don't think my dog will need it anyway. She is 10 months old and jumping around link crazy seems perfectly healthy. I know things can happen in the future but so far I've been paying $600 in insurance fees all for nothing, I took Arexa to the vet but had to pay out of pocket for everything because it was all less than $200.... I just can't imagine paying $54 every month next 10 years if she doesn't even need it and I still have to pay out of pocket. I dont want any other insurance i already did my research. Any thoughts or advise?

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Cheyanna · 03-06-2013, 07:23 PM

I got insurance with Vpi for $30 a month. I think about canceling it, but then I think that it is for emergencies. If Fiona got hit by a car or attacked by a dog, would I spend thousands of dollars to save her? Yes, but would I have it? It is like my health insurance. It is for comfort in case, God forbid, I get cancer or really hurt.

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**jocoyn** · 03-06-2013, 07:25 PM

every time I cancelled I got hit with some accident and big bill. I figure it is like the car breaking down when you get your tax refund. Cosmic money karma I guess.....

I am keeping Beau's up at least until we do OFA x-rays at 2. He shows no signs of any back, hip or elbow problems but I want to be sure first.

But one broken canine sets you back several thousand dollars so......

FWIW, Cyra had SEVERE hipy dysplasia with arthritic remodeling and she showed no actual symptoms at ALL until she was three and started limping after she got cold and wet one day.

Bear GSD · 03-06-2013, 08:48 PM

I purchased Petplan insurance almost exactly 2 months before Bear fractured his lower right canine. To go to the vet dentist cost $1300.00 in which they covered the 80 percent after my deductible. I pay $34.00 a month for my dog. Are the prices higher for you because you're in Canada?
It was totally worth it to me because there are too many unknowns and accidents.

BTW, Petplan was very easy to deal with as far as the claims goes and I received my check for $840.00 within 3 weeks.

AJT · 03-06-2013, 10:15 PM

Even if it is multiple visits for the same condition you can still get reimbursed.

I have PetPlan too and on the $200 deductible/80% reimbursement plan. It already paid itself back with the gastronitis that spanned over 2-3 days. I wasn't shy with going along with xrays, blood tests, etc that the insurance eventually covered a part of.

I would wait till she at least hits a year and probably two just like jocoyn plans to. After dealing with cancer with my other dog, I'm scared NOT to have insurance.

Shaolin · 03-06-2013, 10:59 PM

I love my VPI plan. I pay 57$ a month, have a 100$ deductible, and I get a nearly free wellness visit twice a year. All vaccines are covered up to 80% and I get 50$ off on all heartworm and flea/tick meds twice a year. It pays for itself in spades when I use it. Nothing like having a 200$ vet bill and turn around and have a 150$ check in the mail a week later. I don't think I'll ever not have it.

julie87 · 03-06-2013, 11:15 PM

Quote:

Originally Posted by Bear GSD

I purchased Petplan insurance almost exactly 2 months before Bear fractured his lower right canine. To go to the vet dentist cost $1300.00 in which they covered the 80 percent after my deductible. I pay $34.00 a month for my dog. Are the prices higher for you because you're in Canada?
It was totally worth it to me because there are too many unknowns and accidents.

BTW, Petplan was very easy to deal with as far as the claims goes and I received my check for $840.00 within 3 weeks.

I'm in California. And I have Petplan gold coverage, it's the most expressive one they have, I figured $20 is not gonna make much difference and the coverage is way better than regular plan... I don't knew what to do... It's not like I won't pay vet bills if Arexa need vet care it's just I feel like I'm wasting my money.. Because to go to the vet I never even exceeded $200 and for them to cover the claim it has to be over $200... So it's like you pay $700 a year and no coverage unless something crazy happens which is unlikely... And if it does ill just pay out of pocket...

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irickchad · 03-06-2013, 11:16 PM

Just like any other insurance, you never know what it's truly worth until you have to use it. I pay about $200 a month for $100 deductible health insurance for my wife and I, and I often think about opting for a cheaper plan, but I know as soon as I would, something would happen.

cassadee7 · 03-06-2013, 11:23 PM

Wow, my Petplan is only about $250 a year. Granted it is a cheaper plan and I have never made a claim yet, but I figure of there is an accident, an illness, bloat, etc it is worth having it, and if not, it is worth $250 a year for my peace of mind.

AkariKuragi · 03-07-2013, 02:23 AM

If you don't want to pay the pet insurance because you don't think it's worth it, but still want a safety net to fall back on in case of an emergency, maybe put away a certain amount of money each month in a saving's account and don't use that money unless you have a pet-related emergency. If you put away the amount you're paying now, you'd save up $700 a year to go towards vet stuff, and you wouldn't have to deal with any claims filing and stuff.

03-06-2013, 07:10 PM	#1 (permalink)
julie87 Master Member Join Date: Aug 2012 Location: CA Posts: 702	Thinking about canceling pet insurance. It's too expenssive paying $54 every month with $200 deductible with Petplan.The only reason I got it is to possible cover hip displasia. But I don't think my dog will need it anyway. She is 10 months old and jumping around link crazy seems perfectly healthy. I know things can happen in the future but so far I've been paying $600 in insurance fees all for nothing, I took Arexa to the vet but had to pay out of pocket for everything because it was all less than $200.... I just can't imagine paying $54 every month next 10 years if she doesn't even need it and I still have to pay out of pocket. I dont want any other insurance i already did my research. Any thoughts or advise? Sent from Petguide.com Free App

03-06-2013, 07:23 PM	#2 (permalink)
Cheyanna Elite Member Join Date: Aug 2012 Location: Orange County, CA Posts: 1,252	Thinking about canceling pet insurance. I got insurance with Vpi for $30 a month. I think about canceling it, but then I think that it is for emergencies. If Fiona got hit by a car or attacked by a dog, would I spend thousands of dollars to save her? Yes, but would I have it? It is like my health insurance. It is for comfort in case, God forbid, I get cancer or really hurt. Sent from Petguide.com Free App __________________ Cheyanna Handler for Service Dog, Fiona Van Sandstein (5/23/12 -- )

03-06-2013, 07:25 PM	#3 (permalink)
jocoyn Zombie Queen Moderator Join Date: Jun 2003 Location: South Carolina Posts: 11,848	every time I cancelled I got hit with some accident and big bill. I figure it is like the car breaking down when you get your tax refund. Cosmic money karma I guess..... I am keeping Beau's up at least until we do OFA x-rays at 2. He shows no signs of any back, hip or elbow problems but I want to be sure first. But one broken canine sets you back several thousand dollars so...... FWIW, Cyra had SEVERE hipy dysplasia with arthritic remodeling and she showed no actual symptoms at ALL until she was three and started limping after she got cold and wet one day. __________________ Nancy www.scsarda.org Beau -NAPWDA Certified Cadaver Dog Waiting at the Bridge (italics=GSDs) (hemangiosarcoma=blue):Grim , Cyra, Toby, Rainbow, Linus, Oscar, Arlo & Waggles

03-06-2013, 08:48 PM	#4 (permalink)
Bear GSD Elite Member Join Date: Apr 2012 Location: Boulder, Colorado Posts: 1,930	I purchased Petplan insurance almost exactly 2 months before Bear fractured his lower right canine. To go to the vet dentist cost $1300.00 in which they covered the 80 percent after my deductible. I pay $34.00 a month for my dog. Are the prices higher for you because you're in Canada? It was totally worth it to me because there are too many unknowns and accidents. BTW, Petplan was very easy to deal with as far as the claims goes and I received my check for $840.00 within 3 weeks. __________________ Bear GSD 10/16/11 Elsa GSD 12/23/03 - 11/10/11

03-06-2013, 10:59 PM	#6 (permalink)
Shaolin Elite Member Join Date: Jun 2012 Location: Great Mills, MD Posts: 1,000	I love my VPI plan. I pay 57$ a month, have a 100$ deductible, and I get a nearly free wellness visit twice a year. All vaccines are covered up to 80% and I get 50$ off on all heartworm and flea/tick meds twice a year. It pays for itself in spades when I use it. Nothing like having a 200$ vet bill and turn around and have a 150$ check in the mail a week later. I don't think I'll ever not have it. __________________ RIP Sebastian GSD/Rott 5/12/2002 RIP Cheyenne The Western Lady Collie 9/6/2012 Finnian The Irish Lad WGSD: SAR Abeni the Little Warrior: Pomeranian rescue. "Res nos operor ut alius algo" "Go mairidís beo"

03-06-2013, 10:15 PM	#5 (permalink)
AJT Member Join Date: Jun 2012 Location: Central NJ, U.S. Posts: 178	Even if it is multiple visits for the same condition you can still get reimbursed. I have PetPlan too and on the $200 deductible/80% reimbursement plan. It already paid itself back with the gastronitis that spanned over 2-3 days. I wasn't shy with going along with xrays, blood tests, etc that the insurance eventually covered a part of. I would wait till she at least hits a year and probably two just like jocoyn plans to. After dealing with cancer with my other dog, I'm scared NOT to have insurance.

03-06-2013, 11:16 PM	#8 (permalink)
irickchad Member Join Date: Feb 2013 Posts: 108	Just like any other insurance, you never know what it's truly worth until you have to use it. I pay about $200 a month for $100 deductible health insurance for my wife and I, and I often think about opting for a cheaper plan, but I know as soon as I would, something would happen.

03-06-2013, 11:23 PM	#9 (permalink)
cassadee7 Elite Member Join Date: Nov 2009 Location: WA Posts: 1,311	Wow, my Petplan is only about $250 a year. Granted it is a cheaper plan and I have never made a claim yet, but I figure of there is an accident, an illness, bloat, etc it is worth having it, and if not, it is worth $250 a year for my peace of mind. __________________ Shawn Mom to five kids and "Saber" Jette vom Wildhaus CAA JJ-N HIC CGC Kira vom Snoozhaus ZZZ Saber's Blog: Stuff Saber Does

03-07-2013, 02:23 AM	#10 (permalink)
AkariKuragi Member Join Date: Dec 2011 Location: Orange County, CA Posts: 125	If you don't want to pay the pet insurance because you don't think it's worth it, but still want a safety net to fall back on in case of an emergency, maybe put away a certain amount of money each month in a saving's account and don't use that money unless you have a pet-related emergency. If you put away the amount you're paying now, you'd save up $700 a year to go towards vet stuff, and you wouldn't have to deal with any claims filing and stuff.

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