Good for you!I used to check out the plans...but there was something that was
holding me back. And, yes, it is best if you insure you dog from the beginning
because the costs are less. At this point Dolly has had a knee surgery so I am
hoping that there won't be any more. Her tummy hernia broke open, but we are
just waiting for it to become painful or if she has anesthesia for someothing
else. You have to be careful what is in your vet files because that could make
a big -0- on the surgery or treatment. Dolly also had colitis and a lot of
respiratory infections. She probably would have very little that they would
cover.I used to worry more about Desi with his long back and his chimpanzee
antics. So far he hasn't racked up many vet bills. I may change my mine in the
future, but my income is limited to SS Disabiilty, and just got notice that my
insurance previum is going up 19% this year...that will make it almost $250 for
the medigap and another 110 for the Mediccare. Pretty soon retirees won't be
getting any money after the insurance premiums are paid.
To: Chihuahuas@yahoogroups.com
From: wildbariwithspi...@yahoo.com
Date: Mon, 14 Nov 2011 21:40:59 +0000
Subject: [Chihuahuas] Re: Pet Insurance ?
this is good timing for me to talk about pet insurance.
Since Rylie was my first dog ever, I signed up for pet insurance as soon as I
adopted her. When we brought George home, I immediately added him.
George has been part of our family for a little over 6 months, and a few weeks
ago he started limping and picking up his back legs, his lameness was getting
progressively worse by the day :( He is at the hospital this very moment
getting ready for bilateral patellar luxation surgery.
For me, in this instance, my pet insurance is going to be a lifesaver.
I have trupanion. It does not cover shots or preventative/initial vet visits.
After the initial visit, they cover 90% of costs including meds, labs, xrays,
surgery, follow-up, hospital charges. Until now, I think I have probably broke
even, only needing it for blood tests and treatment for Rylie for an eye
infection and a UTI. You can chose any vet, and they have just added an
alternative medicine rider, which covers chiropractic, acupuncture, massage,
physical therapy and hydrotherapy.
The 90% is after the deductible, which you choose and which your monthly
payment is based on (along with age/breed at time of sign up). My deductible is
$100 and my monthly payment is $37 for George, $44 for Rylie (she was older
when I brought her home).
So, for this particular surgery, the cost is approx $4600, so my part will only
be around $200 ($100 deductible, $65 initial visit, $25 soft cone)
whew.
