I’ve looked at the ASPCA, however I’m not impressed with their insurance. If I read correctly a long time ago it is covered but only for the year they get it. So if a dog got cancer in Nov of 2010 then by Jan of 2011 the cycle begins again and the coverage for the cancer is dropped as it is not a pre-existing condition. (Although you had the insurance before.) I’ve noticed others do that too and it seems to be common. Does any one know of a good pet insurance company? Thanks.
Answer by MamaBas
Speaking from experience, and we’ve had too many cancers, end days (when they were elderly) over the years, I’d save your money. I could yet live to regret it, but we’ve never carried insurance on our hounds, apart from the first one. This was because we had numbers which made it prohibitive, but insurance companies are not there for you, they are there to make money. And for that reason I prefer to keep my money in my own Bank Account. What finishes it for me, apart from our numbers, is the excess most policies have. In the UK most now won’t pay the first £50 – 75 of a bill, and surprise, surprise, most vet visits come in well under that figure, so you end up paying a monthly premium AND a vet bill. This doesn’t take into account unexpected big bills of course, but our long-standing vet, before we moved across country, knew us, and if an unexpectedly higher bill did crop up, was happy to let us stage pay. She knew we weren’t going anywhere and would pay her before we put food on the table.
Your decision of course, but I would say now we are down to just 2 hounds, and having had a rather torrid time with vet bills over the past couple of years with our oldies, I looked again at getting my new youngsters insured. No thank you – even with one of mine being a breed with zero problems generally, her monthly premium quote left me thinking I don’t want to BUY the company!!!