Pet Insurance a Rip Off? Part 2

by admin on October 4, 2011

In last weeks post, Pet Insurance a Rip Off, I made my case for why I think Pet Insurance is indispensible. And wouldn’t you know it, on the day after that post, I heard from a client of mine. She owns a small dog and the dog jumped off a step and broke its leg.

She ran to her vet’s office for an exam and x-rays that cost was $400.00. This included pain medication, x-rays and a splint for the dog.  She was also informed that the dog needed surgery too!  The surgery was scheduled for the very next day. The dog came home with a splint in the meanwhile.

Cost; $400.00.

The anxiety alone was through the roof.  She goes, first thing to the emergency center for her scheduled surgery time.

The cost of the surgery; $4000.00.

Now she is up to $4400.00, not including visits back and possible PT for her dog.  A plate was put on the dogs leg to ensure that particular break will not happen again. This $4400 is going to go up once we add in vet visits for 6 months, medications, etc.

Estimated cost; $6000.00 and that’s conservative.

The moral of my story? She had pet insurance. Without it, my client would have been paying well over $5000.00 for her dog.  Office visits, pain medication, PT, and more.

Yes, I do believe in Pet Insurance. This was a freak accident, however, with the insurance she would have been out $5000 +.  I couldn’t afford this. I would manage it, and try my best. Pet Insurance helps.

That’s my story and I’m sticking to it.

If you have a comment, I would like to  hear it.  Just zip me your comments on this blog post.  Pet Insurance a Rip Off?

Hugs and Licks.  Alanna and Alanna aka The Dog Buddha


Share your thoughts with our Community!

{ 8 comments… read them below or add one }

LOREN October 5, 2011 at 2:20 pm

In this case, it appears having Pet insurance paid off. I believe if you search, you will find examples of where having insurance did not pay off due to the non use of such coverage and or the insurance found a loop hole to decline benefits. heck it happens with human insurance coverage. The bottom-line is obtaining pet insurance is a choice as is having other forms of coverage. Keep up the great work with your blog….


admin October 5, 2011 at 2:32 pm

Loren, you are so correct about the loop holes. There are many and you’re correct, just like our insurance, there is the fine print. There are so many choices out there. I do believe in Pet Insurance. In the long run, it has paid off. And Yes, I’ve been shocked at what I thought I was paying for didn’t cover certain issues. But for the big ticket items, surgeries, etc. it is a wise person that does their homework to find out which carrier fits their needs. Thank you for your comments. I always appreciate your honesty and the read.


admin October 19, 2011 at 9:29 pm

I agree. I have had those loop holes of non-payment for my kids. You have to read the fine print and ask all the right questions. If you don’t you will be surprised. Even with the loop holes, all my kids have insurance. Now there are so many carriers out there + the internet on ratings and of course your vet’s opinion. True that on our own insurance!
Thank you as always for your great support!


Eileen October 5, 2011 at 5:24 pm

I wouldn’t be without pet insurance. It may seem unnecessary at first glance, but wou you not insure a family member? Just needing it once to pay for am emergency or strange accident pays in the long run. I think of the one incident where it paid thousands of dollars for a very sick young pet who was about to die. She is now 12 years old and great. The insurance paid more than $8,000. Certainly insurance is a no-brained for me.


admin October 5, 2011 at 5:27 pm

Eileen, thank you for the read. I couldn’t agree with you more. This blogger has all her pets insurance. I even enrolled them in 3 different carriers to see what would fit best for each dog. Bottom line for me, as it is for you, I have insurance for myself and I am 100% for pet insurance.


admin October 19, 2011 at 9:25 pm

I agree Eileen! I have pet insurance for all 3 of my kids. Peace of mind is a no brainer. I’m not a risk taker with my family. We are both on the same page here! Thank you for the read too.


Laureen Cownie December 13, 2011 at 9:10 am

Having a pet insurance really gives a peace of mind to pet owner specially on high vet cost.

Oh btw i got to share some article and tips to those who are trying to get a pet insurance.. choice wisely


admin December 13, 2011 at 3:43 pm

Laureen, I see you are involved in pet insurance. I thought this was a great topic and your comment is appreciated. Yes choose with care and read the fine print. As you read, I am all for pet insurance. Hope to see you back here again.


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