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Old 05-24-2012, 12:20 PM   #1
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Ok Pet Owners Do you have Insurance

Do you have insurance for your pet? Should I or anyone who gets a pet get pet insurance?
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Old 05-24-2012, 02:55 PM   #2
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Yes, I have pet insurance, but only for one of my 3 pets. Pet insurance isn't entirely necessary since the vast majority of the care you will be paying for for your animals is preventative (insurance doesn't cover that AFAIK). It would be easier to just save up and make sure you always have an emergency animal fund with a few thousand dollars in it (or just have a savings account in general with emergency money). The reason I have it is because I have a breed of dog that can be prone to hip dysplasia (for which treatment can be expensive). I don't have it for my cats and don't need it.

It costs anywhere from $20-$40 per month depending on the plan, the pet, the insurance company, etc.
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Old 05-24-2012, 02:55 PM   #3
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gets a pet get pet insurance
I have nothing to add (I do not have pet insurance and have never done so throughout my 21 years of owning pets in some capacity), but this phrase completely blew my mind. It makes total sense, but I had to read it like 5 times.
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Old 05-24-2012, 03:25 PM   #4
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Typing to fast lol.
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Old 05-24-2012, 05:04 PM   #5
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Get a mutt/crossbreed and the chances of needing pet insurance are greatly reduced..
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Old 05-25-2012, 12:37 AM   #6
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Get a mutt/crossbreed and the chances of needing pet insurance are greatly reduced..
Not exactly, it's far more complex than that.
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Old 05-25-2012, 12:44 AM   #7
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Have never had pet insurance and over many years and many animals I can't think of a case where I really would have used it.
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Old 05-25-2012, 12:56 AM   #8
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I have pet insurance, but only tied in with my car. So basically, if I'm taking my cat or dog anywhere in the car and they get hurt in an accident, they're covered. That's all that I can think that I would need.
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Old 05-25-2012, 01:03 AM   #9
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Have never had pet insurance and over many years and many animals I can't think of a case where I really would have used it.
I almost wish I'd had it with my first cat. $8,000 in medical bills in a single year. It would have been covered. But I don't see a reason for it with my current cats, because they are indoors. All of my cats have been indoors since the first one got FIV.
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Old 05-25-2012, 02:51 AM   #10
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I do not, but my sister does--and it can in handy for chemotherapy and other cancer treatment for her cat Max.
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Old 05-25-2012, 09:18 AM   #11
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I don't, but after last year and 7,000 later... wish I had.
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Old 05-25-2012, 11:45 AM   #12
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Not exactly, it's far more complex than that.
I was being funny on a day I forgot to use my standard -ey guy after trying to be funny, but crossbreeds generally do not have as many health issues or of the type of issue as pure breeds do. My mutt (13 years) is the healthiest dog alive and has needed zero medical intervention save the time he was poisoned due to human error. Meanwhile, every dog owner I know who has insisted on a pure bred dog has had medical issues out the wazoo. I know my evidence is rather anecdotal and the logic blatantly simplistic, but it's fairly widely known that crossbreeds are healthier as a general rule.

Plus, shelters are overrun with them because people only want the "cute" full breeds. You can do an unwanted animal - and your pocketbook - a favor by adopting a crossbreed.

But that doesn't have much to do with pet insurance..when my dog was poisoned, it cost almost 3 grand, and frankly had his illness not been due to human error like poisoning and simply from "natural" causes I would have had a hard decision to make. Since it was human error, the responsibility to keep him alive was pretty clear to me and so we raised the cash. Did I wish that I had pet insurance then? Absolutely. Do I have it now? No, and in the 8 years since then he's had not a single issue, so I have to say it would not be worth it for me. He's had a good long life, and when such time arrives that he is too sick anymore to enjoy life, I will say goodbye humanely and let him rest in peace. It won't be easy, but I don't believe in extending a dog's life if he can't live it as a dog should (ie with prosthetic devices etc). I hope that doesn't sound cruel, I grew up on a farm so life was treated a bit more simply ie gravely sick animals were put down rather than have them suffer till their last breath. I understand that many others would not be able to do this, however.
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Old 05-25-2012, 12:09 PM   #13
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It's reasonable to expect breed specific disorders or predispositions to be bred out through cross breeding.

Breed, bred, breeding all in one sentence
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Old 05-25-2012, 12:21 PM   #14
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LOL..I'm pretty sure I misused bred/breed once or twice in my post..yeah, I did
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Old 05-25-2012, 12:56 PM   #15
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Don't have one, never needed it.
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