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Thread: Thats right... im starting another.. Insurance thread!!!

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    Dog Park Attendant TheLost's Avatar
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    Default Thats right... im starting another.. Insurance thread!!!

    Molly has been on Trupanion since the day she came home 2 years ago (@ the age of 9 weeks).. We pay $48 every month with a $500 deductible. Seems like alot of $$.. but.. Bulldogs.. whatch'a going to do. Plus, Trupanion (IMHO) offered the best coverage (90%) including hip dysplasia and other items other insurance didn't cover.

    So now that Kevin has turned the big 10-weeks-old... i started looking into adding him onto the plan (and in truth hoping for some type of multi-dog-discount).

    $98 per month with the same $500 deductible... Ouch!

    In the two years we've had Molly we've never made a claim! But we go to the vet all the time!! A great example would be two weeks ago.. we had a nice $350 vet visit due to somebody (KEVIN!!!) scratching Molly's eye (its all healed up now.. btw). The insurance wasn't much help.

    However... we've paid ~$1200 over the past two years.

    So... Getting to the point of my post.. Has anybody setup a 'Medical Savings Plan' for their EB? I'm starting to think just putting $1.2k a year ($100 a month) into a high-yield savings account would give me more bang for my buck.

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    Default Re: Thats right... im starting another.. Insurance thread!!!

    We actually have a credit card just for the Bulldog vet appointments..... it is used only for emergencies and surgeries, nothing else.
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    Default Re: Thats right... im starting another.. Insurance thread!!!

    I have Trupanion for the boys as well as bank accounts for them which is strictly for medical care/emergencies/meds. I have had positive experiences using Trupanion but Tate's rate did increase a little over a year ago so I had to raise his deductible. Still, I like having both the insurance and the bank account for them since we all know how expensive our bullies' care can be!




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    Dog Park Attendant TheLost's Avatar
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    Default Re: Thats right... im starting another.. Insurance thread!!!

    Quote Originally Posted by 2BullyMama View Post
    We actually have a credit card just for the Bulldog vet appointments..... it is used only for emergencies and surgeries, nothing else.
    See.. thats what im thinking. Kevin has a small umbilical hernia that needs to be fixed when he's.. well 'fixed'. But since its a 'pre-existing' condition it wouldn't be covered by any insurance. Granted, its only an extra $65 added to the neutering cost.. but that wouldn't be covered either!

    Tossing money into an emergency account seems more flexible.

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    Dog Park Attendant TheLost's Avatar
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    Default Re: Thats right... im starting another.. Insurance thread!!!

    Quote Originally Posted by cali baker View Post
    I have Trupanion for the boys as well as bank accounts for them which is strictly for medical care/emergencies/meds. I have had positive experiences using Trupanion but Tate's rate did increase a little over a year ago so I had to raise his deductible. Still, I like having both the insurance and the bank account for them since we all know how expensive our bullies' care can be!
    I'm not dissing Trupanion.. IMHO they are still probably the best.

    I may just go with a company with lower rates AND start a savings account.. For $45 i can get coverage for both Molly & Kevin from the 'Best Friends Animal Society'.

    BLAH.. stupid dogs... to many decisions...

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    Default Re: Thats right... im starting another.. Insurance thread!!!

    Quote Originally Posted by TheLost View Post
    I'm not dissing Trupanion.. IMHO they are still probably the best.
    Oh no, never crossed my mind that you were. I was just sharing with you that I too had good experiences w/them.




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    Default Re: Thats right... im starting another.. Insurance thread!!!

    What a great idea. Opening a saving account for our bulldogs. I will definitely look into that. Thanks for the tip. Two thumbs up!

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    Default Re: Thats right... im starting another.. Insurance thread!!!

    I have Trupanion, and I'm just starting some MAJOR claims w/them… I will have to see what they actually decide to cover. I was paying $90 a month for my 9 year old boxer, and Winston. It will be $60 a month now that Winston is gone… we also use a credit card for emergency expenses. Better to be safe than sorry… my vet expenses over this last year has hit well over $8,000…

    "What we once enjoyed and deeply loved, we can never lose, for all that we love deeply becomes a part of us." Helen Keller
    RIP Wellie, Bella, Winston & Roxie

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    Default Re: Thats right... im starting another.. Insurance thread!!!

    I've heard good things about trupanion. I'm doing some research to discuss w hubby. I wish we had gotten insurance the day we got Brie as much as we have spent!

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    Default Re: Thats right... im starting another.. Insurance thread!!!

    We use Pet Secure, and have good experience with them, they cover 80%, but a savings account sounds like a really good idea, even if you don't end up needing it or all of it for the bullies, you would still have that extra money in the bank for something else that may come up, like car or home repairs, or a trip somewhere. It's always good to have a savings account for that rainy day.
    LEARN A LESSON FROM YOUR DOG, NO MATTER WHAT LIFE BRINGS YOU, KICK SOME GRASS OVER THAT AND MOVE ON.

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    Default Re: Thats right... im starting another.. Insurance thread!!!

    I'm looking into trupanion myself. It seems to be about $43/month with $500 deductible for Rocco. He is 7 months now so I definitely want to have it in place before he is 1 to keep the rate

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    Default Re: Thats right... im starting another.. Insurance thread!!!

    I also have Trupanion and pay $50something a month with a 500 ded.

    My own experience with them has been "bleh". They covered one thing, but denied others all for pre-existing conditions- even though there was no "condition". Just a mention in my dogs chart about me wanting an x-ray.

    Trupanion would be an excellent choice for someone that gets it right away, before any conditions or procedures are noted in your dogs chart. If your pup already has anything wrong, or even has any concerns noted by your vet, those things will never be covered, so a different insurance may be a better choice.


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