Looking into pet insurance and wondering what a common cap is, any ideas? We’ve never had pet insurance before or had a pet with a real emergency so have no idea what that would cost, plan we’re considering is up to $8,000. Is that enough? Will be getting a mini bernedoodle so the breed isn’t known for many common health issues

like
Posting as :
works at
You are currently posting as works at

$8,000 cap sounds like plenty under normal circumstances - and assuming you thoroughly researched the pup’s health and breeder?
My personal philosophy with any insurance is that you should only insure what you cannot afford to pay for yourself. So I went with a pet insurance that has no cap, but with a $2,000 annual deductible. So I am not insuring the standard trips to vet (e.g. swallowed a ball, stitches after being bitten by another dog, stepped in glass) that I can pay out of pocket need be, but I am insuring expensive circumstances (hit by a car, extensive cancer treatments) so I can give my pup all the care in the world with no limit.

likehelpful

This is super helpful- we’ve definitely done our research on the breeder, pups, & even spoken to the vet they take the pup to before we can pick her up at 8 weeks!

like

I have ASPCA insurance through my employer (discounted) - 15k / yr Cap, 90% reimbursement rate, $1000 deductible. It’s relatively cheap because of the deductible , discount, and age of the dog and is designed to care for major life events vs day to day. That being said I’ve hit the deductible twice in the last two years and received reimbursement so it’s paid for itself but in general it becomes a $300/ year bet vs the possibility of up to ~$13k in costs (net of premium and deductible). Assuming a weighted average of $500 / year in premiums over the next 12 years (hopefully!) saving those dollars would net me somewhere around $5/6k vs carrying insurance gets me effectively double that in coverage for the equivalent cost. I’ve got a mutt so pre-existing and breed-specific conditions are a nonissue for me but pay close attention to the exclusions on any policy - especially with a purebred dog.

likehelpful

This wasn’t asked but I previously had Trupanion. Great experience!

like

Apologies in advance for this unsolicited advice, but… Bernedoodle isn’t a breed — it’s a mix. Breeders who make poodle mixes can be a bit on the shady side (they’re tapping into a big designer breed trend and a lot of reputable purebred breeders won’t sell them their dogs to make mixes). So assuming the parents are a poodle and a BMD, just make sure both parents are health tested for anything and everything that impacts their specific breed. If one of the parents is already a mix it should be health tested for issues that impact both breeds. Poodle mixes also tend to have a lot of coat/matting problems, so definitely get them to the groomer early and often and get them used to daily brushing while young.

helpful

That’s great! Glad you did your research and were patient for a pup that is right for you!

like

Is that per year, lifetime, or per condition/diagnosis?

Per year!

Related Posts

Is joining BCG as a Research Trainee under Knowledge Team (Insurance) helpful to pivot my career into consulting or should I look at doing a Masters instead? I am a fresh college graduate and currently working as an Accounting Analyst. Please help! Boston Consulting Group

Has anyone here successfully broken into Tech within Healthcare space? If so I’d love to hear what you do! It can be beyond FAANG, any general Tech.

like

I'm leaving an insurance bd. Confused as to whether I create IRA and partner w BD as hybrid, or join indie bd for hybrid . Payouts net of fees/grid similar from what I've seen. Help!!

likehelpful

I joined for nokia few days ago. NOKIA doesn't cover insurance for parents. What's the best insurer for elderly parents(aged 60 plus) as im considering to buy on my own ?

like

Does anyone else get really cold feet? I’m wearing three layers of socks and still not super warm. The rest of my body is relatively fine but it feels like my feet stay ice cold no matter what I do. I tried googling what health issue this might be/remedies to no avail 😕

like

We are about to be offered new pay scales at my facility for surgical technologist and I want to make sure it's competitive. I live on the central coast California where the average house price is 800K and the wine industry is hiring servers for 20-25 an hour. Attached is our current pay scale Commonspirit health San Luis Obispo

Post Photo
likeuplifting

Interesting how MSM is interested in the Texas Rangers game or what’s going on in Florida but has little to say about Michigan’s COVID surge. And if it does it talks about the governor fighting it off.

Post Photo
like
funnylike

I’m autistic / ADHD. Are there any agencies or clients that actually talk the talk when it comes to neurodiverse DEI? Looking for remote / US suggestions.

like

Hi fishes. I am social work professional with 6 YOE in international NGOs. I am looking for opportunities in CSR / INGO /Consulting firms / Impact organisations. Please share if there are any leads.
I have worked in Education, Skill development, Child protection, Health and Adolescent and youth empowerment domains.
Preferred location : Bangalore, Mumbai

like

Best small business healthcare consulting firms. And go...

like

Which one of your firm’s permanent life insurance products would you buy, and why, assuming you got a good health rating ?

like

How do you handle it when your kid can’t go to school/daycare? Daycare options in my area are extremely limited, and the one are in is pretty good. They are very strict about kids not being there when they are sick, which I appreciate and mostly agree with. Except that the rules are along the lines of if your kid has a temperature over 100, they cannot come in until they’ve been under 100 for 72 hours. According to every doctor I’ve spoke to, 100 isn’t even considered a fever. (See rest below)

like

Recommendations for skincare products when pregnant or trying to conceive? I’ve been using tretinoin every evening but will have to pause on using it as I’m trying to get pregnant.

likehelpful

I am the world's worst flier. I hate flying so much and usually sit and cry the entire flight from fear and anxiety. Ever since I had my kid, who is now a teenager, it's gotten even worse. I am so afraid something will happen to me that will leave him without a mother. Yes, I know the statistics on crashes. It's not just that. It's the fact that I've had two superficial blood clots in my legs in the past (not DVT), had covid last year and really don't want to get it again (more in comments)

like

am i stupid for wanting to pursue a non-target school MHA if it’s being cash flowed by my hospital? eventually i want to do healthcare consulting but it seems like the competition is so fierce now.

like
like
like

Any firms hiring in their healthcare practices now/ beginning of 2019?

likehelpful

HELP! B2G and now adding B2B accounts!

I've worked for my company since August and I've mainly been prospecting in behavioral health centers.

However, the other two AEs want me to support them (only BDR) and they handle corporate employee accounts/non-healthcare.

Anyone have any tips for the B2B space and who I should prospect? They didn't give many pointers lol.

like

More Posts

Moving to Oregon from California in about a month. I don't know anyone in the city. Any suggestions on activities/cool sights to see?

I am working in CG as a consultant with close to 9 years of experience and 9 lacs CTC. Is it ok or should the package be more? Can I ask HR for salary correction? What is the range like in the B2 level?

like

I don’t know if coming out is something I should do or not anymore. My girlfriend and I want to get married in the next couple of years but thats not something I want to keep secret. It hurts me that I feel like I have to do that, but I don’t want to risk losing my job. I know they can’t fire me for being in a wlw relationship but they don’t have to give a reason. I don’t want the backlash of the community either since the area I teach in is really rural. Just sad I guess.

like

Does anyone have experience taking the Marketing Management and Digital Strategy Graduate Certificate at Harvard Extension School or other certificate? Thoughts?

like

I smell alt season! 😁

likeupliftingsmart
like

I’m bored [not really] and looking to make a million dollars next quarter [really].
Anyone looking to sub-contract a few FTE’s worth of analytics to my side hustle? Our team is pretty bad-ass and we’ve got a stellar track record.

like

Anyone feel uncomfortable with personality tests being administered in their firm/office? I understand how they can be useful and entertaining, but they’re also another way to categorize and unfairly judge employees and coworkers.

likehelpful

EY GDS or Mindtree ?

like

Guys, has anyone adopted a dog during lockdown? I live in NJ and don’t commute to nyc anymore (frankly don’t see us going back anytime soon), and so thinking of getting a dog. I also live alone and could help me battle loneliness. Trying to see if anyone wants to share their experience and see what your advice is.

like

Is current layoffs only happening in Amazon US offices or Amazon India offices as well ?

like

Shall we start curating a list of comp/bonus?
Saw the main bowl which has this list but few data points for Europe & UK.
Would be good to know what the pay is currently due to the hot market & new joiners with great comp?

like

I unknowingly accepted a new job working for a textbook narcissist 👎🏻 penny for your advice on how to not let her make me feel totally annihilated by her insecurity, emotions, bad direction, etc?

like

My doj in EY GDS in June first week, as of now no update. When can I expect the onboarding mail?

like

What salary range can be expected in Barclays for BA4

Current CTC 19.1 LPA
Holding offer of 27 ( 24 fix + 3 vp)
Tech stack :- Abinitio
YOE : 8 years

like

WSJ: Deloitte CEO did not get reappointed for a new term. Very surprised.

like

Anyone work at a consultancy? If so whats it like compared to an agency? What are some of the best ones around currently?

like

Any transactional folks at GDC Dallas have insight on the group?

like

What benefits are provided by PWC Bangalore AC to employees? Is the culture good enough compared to Deloitte USI?

like

I do not have N95 or any face mask and need to go grocery shopping, how are you guys going any hacks?

like

Additional Posts in Who loves dogs?

I love dogs so much but have never had one 😭

Someone please convince me to get one

like

Enjoying the sunshine.

Post Photo
likeuplifting

Finally not too sick to walk the dogs. I've been sick for almost four weeks, and with the insane temps, I couldn't walk more than one house down.

Post Photo
like

The sleepiest little dog with stinky corn chip feet.

Post Photo
like

Caption this !!

Post Photo
likefunny

Is it worth it? Dying to get a dog but live in NYC!

like

Follow @mookiecantswim for more :)

Post Photo
likefunny

🐾 Happy Hump Day 🐾

Do your doggies chew things in your house and then give you the “I’m not guilty” look?

Post Photo
likefunny

Happy Valentine’s day

Post Photo
likeupliftingfunny

Pup Parents - do you plan anything in your will/trusts for your pets? I’ve been volunteering at the animal shelter and there is an unexpectedly high number of senior dogs (who end up scared, alone and don’t have a chance of getting adopted) because their owners passed and none of the relatives or friends wanted to take the pup in. My company offers will planning services and just wanting to see what others have done and resources you’ve used

likehelpful

This is the face I get when I’m on my second day of an offsite with 9 hours of nonstop video each day and they don’t get any mom time during the day. There’s no emoji to match this expression lol.

Post Photo
likefunny
likefunny

I love when my dog comes up and cuddles/sleeps on me, but she gives off so much heat! Like a little Chernobyl lying on my chest

likefunny

It was Lola’s birthday on Saturday. She’s 7!

Post Photo
likeupliftingsmart

Why do puppies/dogs try to stick their tongue in your mouth and how do I train them to stop?

funny

Can you spot two puppies?

Post Photo
like

The smile kills me 🥺🥺

Post Photo
likeupliftingsmart

They are so darn cuddly!

Post Photo
likeuplifting

Hello all - I have a small breed pup who seems to have stomach sensitivities frequently. How common is this? Any home made remedies - please share! As a first time pup owner, I’m freakin out about my baby girl!

like

Not sure he was lovin’ being a Christmas elf

Post Photo
likefunnyuplifting

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal