Is It Worth It To Get Dog Health Insurance?

I was wondering if it would be worth it to get health insurance for my dog, and what plan would be suggested. Here are 2 sites for insurance providers, and the prices for the ones I like: $25 a month $25-30 a month
I feel it would be a smart investment because it would cover my puppy (10 weeks) in getting surgical costs, medicine, physical therapy, 2 check ups a year, etc. if she ever needed it. It also covers the cost of her getting in a car accident, and even if she gets lost…up to $150 in fees for a reward. It covers a LOT of stuff for those “just in case” situations.
I DO take care of her, and will take great care of her. I get her vitamins, chew toys to clean her teeth, teeth cleaning bones, great puppy food, etc. So her health should be top notch. But God forbid she gets sick, gets a bad injury from running with me every day (I plan on 2 mile runs with me, and 1-2 mile walks with my gf every day).
Just please tell me if you suggest getting it, why or why not, and if there is another company you use for it. Thanks!

Recommended Reading

5 Responses to Is It Worth It To Get Dog Health Insurance?

  • winterru says:

    Its not worth it. That’s $300-360 every year. That could easily be over $5,000 over the life of the dog. I have heard more stories about things that the insurance did not pay for than I have about what was covered. read the policy carefully and notice the exemptions. This will get me some thumbs down but if the vet told me I was looking at thousands in bills I wouldn’t hesitate to euthanize the dog. You have to draw the line somewhere.

  • moondog says:

    Make sure you read all the fine print. The list of exclusions, what they define as pre existing illness and any specific breed exclusions. Also read the list of ailments they don’t cover (which is seperate to the exclusion list).
    I had pet insurance for a few years but cancelled the policy because every year the premiums increased and so did their list of exclusions. Eventually they excluded all of the most common conditions my breed was likely to suffer from.

  • Monty says:

    It is very worth it, my German Shepherd has had 2 knee recostructions at a total cost of over $10,000.00, she’s ok now but I will never be without insurance again. Just read the fine print of the insurance contract to make sure you have everything you need covered.

  • KoAussie says:

    I have had three years where my vet bills on a single dog exceeded 6,000.00 in unexpected situations (cancer, epilepsy and accident)
    That’s 18,000.00 I would have had covered if I had pet insurance at the time. I think it is a wise investment.

  • Christina I says:

    Just my opinion, but I would never, ever, have a dog without insuring it. If I didn’t have the money for the insurance, then in my view I couldn’t afford keeping a dog.
    BUT – do read the small print. The only insurance worth having is one that will cover your dog *for life* – no matter what … and I would want that in print. Any insurance that will exclude inherited illnesses or life long illnesses (autoimmune diseases) after having paid out once is not worth taking out. Look for the wording “covered for life”…. I can’t stress that enough.
    My own experience? – I have 2 (not directly related) dogs with autoimmune diseases. The combined vet bills in the past have run well into 5 figures. Without insurance there is no way I could have taken care of them the way I have. – I live in the UK and am insured by PETPLAN. I know that Petplan is now also available in the US. For me they’ve come up trumps every time. They are not the cheapest, but frankly, when things go wrong, a few $ more a month are neither here nor there. The important bit is that they never squabble. They’ve paid up reliably every time.
    One other tip – if you want to make sure your pup stays healthy, do look into the vaccination issue. *Over*vaccination is the number 1 trigger for autoimmune diseases. Again, I can’t urge you enough to make informed choices, rather than blindly follow the “recommended booster” vaccinations – be it yearly or three-yearly – without knowing what is happening. Vaccinating *responsibly* (and NOT booster routinely) could be the best thing you’ll ever do for your dog….