Labradoodle & Goldendoodle Forum
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I'm sorry after all this you don't have pet insurance?
No, I stated that way up near the beginning of this discussion. And I regret it greatly, which is why I advocate for it. No matter how much the premiums cost, it would have saved me thousands and thousands of dollars.
You can get pet insurance still. It just won't cover any pre-existing issues.
I truly love dogs. I didn't mean to upset you and I'm sorry that I had. I actually do spend a good deal of time on this forum looking through the past posts. It has been tremendously helpful and as have you. Again, I was never meaning to be "negative" but my opinion is just different from yours. I was under the assumption that people can share their opinions.
The cost is heavily dependent on the stage and the type of cancer a dog has.
Article explaining cost of cancer treatment.
https://www.petcarerx.com/article/managing-costs-of-cancer-treatmen...
Chen, I just don't understand why your premiums were so high. I have been tracking mine since I got Fudge and Vern and the premium is nowhere near $100/month. I have Pet Plan. I also know that Karen has experienced the hardship of NOT having insurance for her dog and is only trying to help others not go through the same thing. I don't like the high prices of paying for medical insurance, but after having a daughter born prematurely and seeing the amount of her bills, I wouldn't be one day without it. I am so thankful we had good insurance for her or we would have been bankrupt. I feel the same way about Pet Insurance. I want to know I can afford anything that comes up for my dogs. If you don't want Pet insurance and have the money to pay a huge bill, then more power to you, but most people do not have that luxury. I also have had no problems when I used the insurance on Fudge and Vern.
These are my dog's yearly premiums. My rates include a 15% discount and my coverage is for vet fees of $8000, 80% reimbursement level and $200 deductible. I got the policies as soon as I got my puppies.
Fudge
2009 143.56
2010 143.56
2011 167.69
2012 206.60
2013 246.40
2014 308.00
2015 385.00
2015 349.68 (we moved in October 2015 and PetPlan changed our policy plan from March to 10/14/2015)
Vern
2010 143.56
2011 167.69
2012 182.93
2013 221.07
2014 276.34
2015 345.43
2015 304.02 (see above. my policy plan switched from beginning in April to 10/14)
I understand why so many of you would come to Karen's defense. Insurance has been a sore spot of how my last rescue passed away from cancer. The insurance company did ABSOLUTELY nothing! The policy would not cover a pet with an "incurable" condition. After paying thousands of dollars, they decided cancer was incurable "pre-existing condition" and I've been a member since 2011. My dog was put to sleep, they did not pay a dime. How can that be?
This was very very difficult for me. 1) I've attached a past reimbursement they paid since Sahara passed away at the end of July 2016. Please note it says 90% coverage and $50 deductible. 2) I stand corrected. I apparently paid more than $100 not the $65 I stated. Please note I did have Healthy paws which was rated at the time as the best health insurance on the market.
Yes, quite a few members here have it. There's a recent discussion about the rates having been raised significantly for older dogs, and there are some comparisons and experiences with other companies in the discussion as well.
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