Anyone have pet insurance? If so, is it worth it? Recommend?

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We considered it and decided against it - save the premiums for when something happens. And if nothing happens, you didn’t waste your money. This is coming from someone who generally believes in insurance (i.e. I pay the insurance for my iPhone as I tend to lose or break it...).

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My partner is a veterinarian. I got a dog in the early stages of our relationship and went back and forth about whether I should get pet insurance. She said that it's something you should get and pray you don't have to use but wish you had if you do ever need it. They put down more animals due to owners not being able to afford treatment. Imagine throwing a frisbee with your dog and your dog landing wrong, slipping a disc, breaking a leg, or tearing an ACL and the cost to fix it is $3000 which is conservative. I live in DC and the cost is more like $5000. My insurance premium is around $400 a year. Do the math. I'd rather pay $400 a year than $4000.

According to her the most common emergencies they deal with are:

Fights at dog parks and doggie day cares
Dogs eating random things
Animals being attacked by another animal that got loose from their owner/home

Breed specific health issues are issues but not as common as you may think. Health issue tend to arise when they get older anyways. And honestly, mutts/rescues have the fewest health issues but I digress because that's a discussion for another time.

If you're going to get pet insurance, get it as soon as possible. The longer you wait, the more likely you run the risk of the insurance company trying to claim something was a pre-existing condition. I think pet insurance is well worth it. I hope you get it. If not, good luck and enjoy the pet.

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We do, and we’ve (unfortunately) had to use it unexpectedly a few times. I’m so thankful we signed up for it way back when. The checks in the mail every now and then don’t at all cover the cost of the monthly premium, however IMO peace of mind is invaluable. 🐶❤️

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We have it. It paid for my dog’s chemotherapy and related checkups and medicine. Saved us over $12,000

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I just signed up for it in September for my 3 dogs, $75/mo. Vets in my area are pretty expensive, so easy to meet the deductible during their wellness checkup. I wish I had it for some of my previous pets after the situations they went through

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we have tripanion and love it. use it all the time but it also includes a lot in it

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Nope. I would just save the amount that would be your monthly premium for when something happens.

After four months of having our first new puppy, I am actually glad I did not sign up for pet insurance after lots of research and budgeting to see if pet insurance would be right for us. Fortunately, our puppy has been quite healthy and have only had to pay for puppy shots which we would get every few weeks after picking her up from a breeder. That being said, if you plan on getting a dog from a rescue shelter I would maybe recommend it due to the dog having previous health issues possibly. We also specifically wanted a Pomeranian, and surprisingly have not had any issues so far but we also try to ensure she has quality dog food, puppy proofed our house before getting her.

With that said, it totally depends on the dog, breed, major health issues that might arise but in the long run you might just end up paying for the premium which you could put away in savings or a budget specifically for taking care of your pet in the long-term.

Exactly correct. Dog breed matters alot.

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We got it and a month later our dog ate a towel. $550 premium shielded over $8k in liabilities (surgery and all). I'd say it about the dog breed and how much in assets you want to protect or can afford to lose. Also, at what point will you stop caring for your pet?

@Manager1 Your comment about people putting their animal down for not wanting/being able to pay the expense makes me hate people. (But then again my wife and I are weird dog people lol)

I didn't have it and my dog tore her ACL landing wrong while playing. I'm debating whether to get it for the other knee as they say there's a 60% of it happening to the other knee once one knee goes. It sure would have been nice to have some cushion on that $5,000 expense but c'est la vie. She was a two year old when it happened and seeing my wife play with her and make comments about her having two working knees makes it worth every penny.

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