thoughts on health insurance - German Shepherd Dog Forums
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post #1 of 5 (permalink) Old 02-19-2010, 08:20 PM Thread Starter
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thoughts on health insurance

Many years ago, I had a 9 year old with a badly torn ALC. He was right at that boarderline age. I did have it repaired, and it wasn't cheap. He was with me 3 more years, and I never regret having it done. When I got Ruger 5 years ago, I wanted to make sure he had medical insurance. So, I gladly paid the 25$/month to have him covered. He had a bit of a cancer scare, and I had 2 tumors removed from him last month. They were not cancer, thank God, but the bill was $450. I put in a claim with his insurance company, and I got back $280. That got me thinking. I have given the insurance company $25/month for 5 years. Financially speaking, this is not a good investment. I just opened up a savings account for my 8 month old girl. I'm putting in $50/month for her. It just seems to me that if you have a young dog, it is much better to self insure, than go with an insurance company. I know there are a bunch of folks with puppies now. Giving them their own savings account is an alternative to pet insurance.

Cinzar's Dark Shadow Too (Ruger) CGC, RN 1/8/05
SG Quinn Z Old Farm (Cues) IPO 3, KKL 6/7/09
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post #2 of 5 (permalink) Old 02-19-2010, 08:34 PM
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I have Pet Plan and they cover everything above $100 per illness or incident. I intend to use them as much as possible. They cover all genetic issues such as HD and in a GSD that's a pretty expensive thing to deal with on your own. Cancer (scare or otherwise) can add up to a lot as well.

There are many members on this board that have spent small fortunes on their pets' health issues. With insurance if you have it and have to use it then you "lose" but you win if you get my meaning.

Personally, I think it's worth having. AT $50 per month it will be a while before you have enough to deal with any major issue as mentioned above or an accident.

Just my thoughts.

Lila GSD 07/16/2009

Cleo Cat 06/01/2009

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post #3 of 5 (permalink) Old 02-20-2010, 09:31 AM
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I also have PetPlan and wouldn't be without insurance again.

There are many members on this board that have spent small fortunes on their pets' health issues.
I am one of them . Vet bills were outrageous over the years with our Heidi and towards the end I was spending $500 a month just on medications and supplements.


Olivia von Jagenstadt "Nikki" 11/21/2009

Heidi Mouse 02/10/1995 - 02/21/2009
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post #4 of 5 (permalink) Old 02-20-2010, 12:36 PM
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Originally Posted by Heidigsd View Post
I also have PetPlan and wouldn't be without insurance again.

I am one of them . Vet bills were outrageous over the years with our Heidi and towards the end I was spending $500 a month just on medications and supplements.

same here. Pet Plan has been great. Pet insurance is really cheap (relative to human health insurance) and yet veterinary costs are not cheap relative to health care costs for humans.

putting away $50/month is going to leave a person way short if anything major comes up. it would take 5 years to put away $3000. there are a multitude of injuries/illnesses/surgeries that can easily cost that much and beyond, so not only would everything you put away be gone, you'd still have to dip into savings and/or credit. to add insult to injury, now there is no pool of money left from this effort to "self insure". and you have to start all over putting money away.

for $25/month, i am guaranteed that no matter what comes up i will be able to handle it. in just over a year of having insurance through PetPlan, i have collected more money from them that what i will pay in premiums for 5 years. i will never have a dog who is not insured.

if a person can put away $50/month, why not put half of that toward pet insurance, thus guaranteeing yourself the ability to cover any injury/illness that arises. the other half of that $50 would be freed up for whatever savings instument one chooses.

i wanted to add what a premium of ~$23/month gets me via PetPlan on an almost 3 year old female gsd (and by the way, the renewal premium did not go up by a single penny):

-$8,000/year of coverage, which renews every year at that amount.
-90% coverage, after $200 deductible is met (per injury/illness)
-any injury/illness/related surgeries/medications are covered as long as they are not pre-exisitng conditions. there are no dollar limits per injury and no lifetime limits.


owned by:
Kimba (gsd) 5/9/07
Saby the mutt~1/15/01
Frisco (gsd) 6/21/02
Luka (feline)d.o.b.~2004
RIP-canines-Buddy, Roxy, Kujo, Kato, Pierre
felines-Chanel, Panther, TJ

Last edited by roxy84; 02-20-2010 at 12:44 PM.
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post #5 of 5 (permalink) Old 02-20-2010, 07:25 PM
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One year ago today my daughter's horse cut his leg badly. Even though we had insured all her other show horses over the years I didn't get a policy on Pacey because he was "cheap" and not intended to be a show horse. Well, in the 30 seconds it took for him to get his leg caught up in malfunctioning hot wire he went from being a $3000 horse to being a $10,000 horse. One week in the hospital and 4 months of recovery. An insurance policy on him for medical and mortality would have cost me $500 a year. Let's just say I regret that decision, a lot!

Vinny is insured. Cherry should have been. (Removal of mast cell tumor with no chemo or radiation was $900 -- would have been paid in full except for a $100 deductible for the cost of $300 a year. That's at least $500 I could have saved.) I'm still debating about Bud and Patch but they weren't expensive dogs and I question whether or not I'd be willing to spend big bucks if they had a serious medical problem. The husband and I need to discuss that, I guess...

So, my $0.02 is that if insurance is available at less than around $350 or $400 per year for your dog it is a good investment, as putting money away monthly may not allow you to accumulate enough to cover anything that happens in the next few years until you had a large enough sum saved.

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