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[Poll]

Pet insurance, what is your view about it???

Pet insurance is necessary for every pet.

20% (4)

Pet insurance is completely unneccessary.

15% (3)

Pet insurance for cats is important

5% (1)

Pet insurance for cats is unneccesary.

5% (1)

Pet insurance for dogs is important.

5% (1)

Pet insurance for dogs is unneccesary.

0% (0)

Necessity of pet insurance depends on pet.

35% (7)

I joined pet insurance after I had to pay a massive bill without one.

5% (1)

My pet insurance is great.

10% (2)

My pet insurance annoyed me a lot.

0% (0)

Total Votes : 20

(last vote on : 3/22/2011 1:10:04 PM)
(Poll will run till: -- )

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RE: Pet insurance, what is your view about it??? - 3/21/2011 12:28:36 PM

needlesandpins

Posts: 3901
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i have a multitude of pets but the only ones i have ever insured are my horses. even when i had 17 they were all covered for public liability. depending on what they were doing depending on whether i paid out more for vets' fees, loss of use and death. sometimes i have just had a standing order to a vet account that covers all animals as this has worked out alot cheaper than paying top whack insurance. foals are not insurable and it costs more to insure an old horse over 18 so considering how much you pay out per month and my never claim at least the money is still available to me.

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Post #: 21

RE: Pet insurance, what is your view about it??? - 3/21/2011 12:33:30 PM

LaTigresse

Posts: 26123
Joined: 1/15/2006
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Public liability is a whole different issue.

Most of the time, public liability is covered in the home owners policy.......I know it is a part of mine.

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Post #: 22

RE: Pet insurance, what is your view about it??? - 3/21/2011 12:38:58 PM

needlesandpins

Posts: 3901
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unfortunately mine isn't. but i am a gold member of the british horse society and arabian horse society so all covered that way.

needles

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Post #: 23

RE: Pet insurance, what is your view about it??? - 3/21/2011 12:44:28 PM

Phoenixpower

Posts: 8098
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quote:

ORIGINAL: LaTigresse

Public liability is a whole different issue.

Very true

And I don't want even imagine what bills for a vet cost like.

Once I worked as a nanny on a farm from horse breeders and trainers in Ireland and they were vets....whilst horses are beautiful animals...close up they are rather scary to me....

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Post #: 24

RE: Pet insurance, what is your view about it??? - 3/21/2011 12:46:36 PM

LaTigresse

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Actually, most of my horse vet bills (what I've had of them...) are less than the dog and cat vet bills. I probably even pay less to feed the horses than I do the dogs and cat.

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Post #: 25

RE: Pet insurance, what is your view about it??? - 3/21/2011 12:57:46 PM

Phoenixpower

Posts: 8098
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quote:

ORIGINAL: LaTigresse
I am a realist. Dogs, cats, even horses are not meant to live forever. They have very limited lifespans. No amount of money spent at the vet is going to change that. I also believe in quality of life. If my 8 yo pound dog gets a long term illness, she is going to be put down, not medicated, dragging her life out.......for MY selfish reasons.

Bottom line, there is no financial gain to prolonging a life that can be humanely ended when the quality of life is less than it should be. What real difference does it make if my dog lives 13 years and gets euthanized due diagnosis of diabetes or 15 years after 2 years of expense and misery?

I share your view. Thats why i don't see much of the point in pet insurance. Of course, if your cat would get hit by a car and can survive with a surgery I would go for it, but not in regards to long term illness. I regularly winded up a previous friend over here who tried to persuade me to leave my cats a light on when I go out for work at night time or to leave them music on when I go to work or uni....wtf NO...my cats are cats...I love'em dearly and they are spoiled rotten most of the time, but they are not little humans

She struggled a lot to accept that our view differes a lot in that respect which played a major part in it that we lost contact last year.

As mentioned in previous posts I never had pedigree cat before either but got her as one of my cats was a scardy cat and so I could not leave her outside when I went to uni and work due to her panicking once I closed the door or window, which lead to her being extremely clingy when I got home as she was way too much on her own as my 2 boys enjoyed to be outside about 85% of the year; so I was looking for a cat who isn't too keen on going outside either which lead me to my birman cat. I had tried shelter before I got my first two cats but had too much drama. Back home most of my cats were from shelters but there simply rules are very different in rehoming than over here. With my Birman I had considered breeding as I came across a really good breeder where I got her from, but that view changed as it is just not for me. So her litter remains with me and if some of them leave, then only to people I know or to friends of them when I trust their judgement.

Most of the time I can easily pay my bills and they had their shots regular in the last 3 years, only right now its a bit of a tiny struggle, but that will get better again.

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Post #: 26

RE: Pet insurance, what is your view about it??? - 3/21/2011 12:58:56 PM

Phoenixpower

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quote:

ORIGINAL: LaTigresse

Actually, most of my horse vet bills (what I've had of them...) are less than the dog and cat vet bills. I probably even pay less to feed the horses than I do the dogs and cat.

Thanks

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Post #: 27

RE: Pet insurance, what is your view about it??? - 3/21/2011 9:41:21 PM

0ldhen

Posts: 2221
Joined: 12/27/2010
From: Henhouse in Trolltopia, Harleyville USA
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quote:

ORIGINAL: Arpig

quote:

It costs me 320. dollars a year for my three cats. But look at it this way;
$320 for all three cats? Or for each? If its for all three, then that's really reasonable, Hell it's more than reasonable, its a bargain!

Arpig, that is the total bill for all three combined.
I know, it is awesome, right?

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Post #: 28

RE: Pet insurance, what is your view about it??? - 3/21/2011 9:46:50 PM

0ldhen

Posts: 2221
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From: Henhouse in Trolltopia, Harleyville USA
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quote:

ORIGINAL: Kana

Plus, and this is big, I love my babies. I don't ever want to be in a place where I have to make a life or death choice for them based on finances.

THIS!

Yes, this is it. I know some folks are reading "well kitty visits twice a year". Yes, well kitty visits, my furbabies can't tell me if something is really wrong, often by the time you notice an issue it is too far gone. This way I keep peace of mind over their health. I mean, I just spent 3oo+ bucks on a new kitty crows nest for them to play on, so 320 for insuring their health is pretty sensible to me.

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RE: Pet insurance, what is your view about it??? - 3/22/2011 4:57:50 AM

Phoenixpower

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quote:

ORIGINAL: 0ldhen

quote:

ORIGINAL: Arpig

quote:

It costs me 320. dollars a year for my three cats. But look at it this way;
$320 for all three cats? Or for each? If its for all three, then that's really reasonable, Hell it's more than reasonable, its a bargain!

Arpig, that is the total bill for all three combined.
I know, it is awesome, right?

In this case you have a good deal, yes

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Post #: 30

RE: Pet insurance, what is your view about it??? - 3/22/2011 1:14:08 PM

abrattyprincess

Posts: 198
Joined: 6/22/2009
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I don't have pet insurance. What I DO have is something called CareCredit. It's for Vet use but you have to make sure your Vet takes it. It's basically like a credit card except you have 6 months to pay off the balance interest free. You can put anything on it as long as you can buy it at an applicable Vet. It's awesome and has helped me (and my pets) for a while now. It also builds your credit as a bonus. I recommend it to anyone!!! It is SO easy to get approved and it's well worth it!!!

http://www.carecredit.com/vetmed/

~Bratty

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Post #: 31

RE: Pet insurance, what is your view about it??? - 3/22/2011 1:35:37 PM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
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LAT, this may sound odd- but how do you give your pets injections? Most vet meds are by rx only.

Is there a way to navigate this?

I assumed they would not sell the meds w/o a RX.

< Message edited by pahunkboy -- 3/22/2011 1:36:38 PM >

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Post #: 32

RE: Pet insurance, what is your view about it??? - 3/22/2011 1:39:17 PM

pahunkboy

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Joined: 2/26/2006
From: Central Pennsylvania
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PS- or maybe it varies by state.

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Post #: 33