Gildash
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Seriously looking into it right now. A lot of the companies offering seem like scams, but some of them have generally good reviews.
The one I'm looking at right now is Trupanion. Basically 30/mo per cat for 90% coverage after exam fee (which my vet will fudge for me). 0 deductible.
I know I know, sounds expensive right? I agree. I just need to normalize my expenses right now. I can't have a sudden 1k-2k vet bill like I had a month ago.
le sigh.
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TickyAtack
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I had trupanion. $30 a month for my dog. Same type of plan, 0$ deductible.
They sent me an email in december saying my premium is going to be raised to $45 a month. Cancelled. ****ers. I could have raised my deductible up to $1000, and paid $20 a month, but the problem with their plans are the deductibles are per incident, so basically it would be even more like lighting money on fire, unlike some companies which offer annual deductible.
I just channel the money I no longer give them into an account for him. Covers routine care as well, unlike stupid trupanion.
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Sith_Mauler
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People think I am wrong for this but I have no issues with putting down a pet.
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But I ain't white trash
I'm wild and a little crazy too
I have seen a lot of things in my life time.
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purplehugmonkey
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If it's worth it to you to have the coverage, yeah might as well go for it.
I would guess the average cat will 0-1 huge vet bill in their lifetime, but there's always fatty liver disease and diabetes and all that where it would end up being worth it.
Probably most worth it for a giant breed dog or ones prone to genetic disorders like the inside-out eyelash thing that requires surgery. Most people just pay for shots, a yearly exam, maybe preventative heartworm stuff and eventually euthanasia without any other costs coming up. Since this doesn't cover any of those costs probably, you're talking an extra $3600 for a cat that lives 10 years and may not use the coverage.
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Gildash
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Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
.....cool story bro?
I don't even know what to say to that. What a random comment.
I like pie.
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FineYoungCannibals
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if my dogs bite someone, i'm covered up to $250,000
but i think that's through my home insurance
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Sith_Mauler
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Gildash posted:
Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
.....cool story bro?
I don't even know what to say to that. What a random comment.
I like pie.
when it comes to cost of medical bills.
there are just as many animals in shelters that need rescue why waste a couple grand on a dog or cat?
this happened a couple weeks ago a friend of mines dog got hit by car.
they took the dog to the animal hospital after $1000+ vet bill( it was an after hours emergency) the dog still had to be put down.
now he says he wishes he would have put a bullet in the dogs head.
all because he listened to his wife.
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Gildash
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Sith_Mauler posted:
Gildash posted:
Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
.....cool story bro?
I don't even know what to say to that. What a random comment.
I like pie.
when it comes to cost of medical bills.
there are just as many animals in shelters that need rescue why waste a couple grand on a dog or cat?
this happened a couple weeks ago a friend of mines dog got hit by car.
they took the dog to the animal hospital after $1000+ vet bill( it was an after hours emergency) the dog still had to be put down.
now he says he wishes he would have put a bullet in the dogs head.
all because he listened to his wife.
Eh....I don't see it like that.
When I choose to take in a pet I am doing so knowing that things can go wrong and I am making the commitment to be financially responsible for such situations.
Don't get me wrong, if a pet of mine ever had a condition where they would never be able to lead a normal life again....thats a whole different deal. But expensive surgeries etc. that will result in them being 100% again? I'm on the hook for that, they are my pets.
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Jezza_Belle
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Gildash posted:
Sith_Mauler posted:
Gildash posted:
[quote=Sith_Mauler]People think I am wrong for this but I have no issues with putting down a pet.
.....cool story bro?
I don't even know what to say to that. What a random comment.
I like pie.
when it comes to cost of medical bills.
there are just as many animals in shelters that need rescue why waste a couple grand on a dog or cat?
this happened a couple weeks ago a friend of mines dog got hit by car.
they took the dog to the animal hospital after $1000+ vet bill( it was an after hours emergency) the dog still had to be put down.
now he says he wishes he would have put a bullet in the dogs head.
all because he listened to his wife.
Eh....I don't see it like that.
When I choose to take in a pet I am doing so knowing that things can go wrong and I am making the commitment to be financially responsible for such situations.
Don't get me wrong, if a pet of mine ever had a condition where they would never be able to lead a normal life again....thats a whole different deal. But expensive surgeries etc. that will result in them being 100% again? I'm on the hook for that, they are my pets.[/quote]
I think it depends a lot on how people are raised around pets. I'd spend more money on a dog than I would on a cat for vet service, but in any case I wouldn't spend thousands on any animal if it was a bad investment. I however grew up in a farming community and we saw things differently than people who keep their pets exclusively indoors. I think we just learn to accept animal deaths as the way things are.
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Onslaught.
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I can not really justify buying pet insurance.
I did drop about 2 grand on my cat once when she did a high dive from the 7th story of my dorm room, though.
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Sith_Mauler
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I grew up on a farm I remember seeing my dad shoot my first dog that I remember having when I was 6 or 7 because the bastard wouldn't stop killing chickens.
I learned that chicken killing dogs dont live long in the country.
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Jezza_Belle
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Sith_Mauler posted:
I grew up on a farm I remember seeing my dad shoot my first dog that I remember having when I was 6 or 7 because the bastard wouldn't stop killing chickens.
I learned that chicken killing dogs dont live long in the country.
my family wasn't that harsh, they would have just taken him to the pound and hoped he found a home away from chickens.
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Sith_Mauler
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Jezza_Belle posted:
Sith_Mauler posted:
I grew up on a farm I remember seeing my dad shoot my first dog that I remember having when I was 6 or 7 because the bastard wouldn't stop killing chickens.
I learned that chicken killing dogs dont live long in the country.
my family wasn't that harsh, they would have just taken him to the pound and hoped he found a home away from chickens.
that closest animal shelter is in the county seat of the next county over. basically where I live now.
south east oklahoma is still very rural.
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Well I ain't first class
But I ain't white trash
I'm wild and a little crazy too
I have seen a lot of things in my life time.
That is why I walk the line I walk.
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TickyAtack
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Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
The time and energy, countless hours of training as well as probably hundreds of miles of running and other types of conditioning, I've put into my dog are worth a few thousand to me at least.
And that's not even counting in the fact that I love him.
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Natoli
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Honestly, you're better off putting whatever you'd spend on a premium and putting it into a savings account that you earmark only for vet emergencies. Yeah, it won't help if the animal gets in trouble next week, but you figure at $50 a month, you've got $600 in a year. Add any extra that you can. The thing with insurance policies is that they're only good for the one pet. If your pet dies never needing the insurance, you're out a ton of money. If you put it in a savings account, your next pet can benefit from that money.
As to all of you saying that it's easier just to put an animal down, you've obviously never had one that was like family...
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purplehugmonkey
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Yeah, if you can have the self-control to just have a separate account for it and put money in every month, that's probably your best bet if you don't expect any health issues in the near future.
Even assuming you do get screwed with a big bill and have to put it on the CC, it's probably still cheaper to just pay it off.
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TickyAtack
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purplehugmonkey posted:
Yeah, if you can have the self-control to just have a separate account for it and put money in every month, that's probably your best bet if you don't expect any health issues in the near future.
Even assuming you do get screwed with a big bill and have to put it on the CC, it's probably still cheaper to just pay it off.
Thats what I'm doing, but I took self control out of it and set up my bank acct to automatically transfer it every month.
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Gildash
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Honestly, I was hoping it would be worth in monetarily.
I guess not...
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myxomatosis8
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Like with people stuff, have to watch out for pre-existing. Usually they're honestly only worth it for the accident coverage ones, by which I mean foreign body ingestion, hit by cars, that sort of thing. Not recurring eye, ear, skin stuff etc.
Also usually the best deals to be found when they're puppies.
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Onslaught.
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TickyAtack posted:
Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
The time and energy, countless hours of training as well as probably hundreds of miles of running and other types of conditioning, I've put into my dog are worth a few thousand to me at least.
And that's not even counting in the fact that I love him.
Gotta remember... Sith only keeps dogs so that he has entertainment as they rip apart a squirrel after he plunks it out of a tree with a bb gun. That's his version of "countless hours of training".
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Onslaught.
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Natoli posted:
Honestly, you're better off putting whatever you'd spend on a premium and putting it into a savings account that you earmark only for vet emergencies. Yeah, it won't help if the animal gets in trouble next week, but you figure at $50 a month, you've got $600 in a year. Add any extra that you can. The thing with insurance policies is that they're only good for the one pet. If your pet dies never needing the insurance, you're out a ton of money. If you put it in a savings account, your next pet can benefit from that money.
As to all of you saying that it's easier just to put an animal down, you've obviously never had one that was like family...
This is true for car insurance, medical insurance and life insurance... *shrug*
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Natoli
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Onslaught. posted:
Natoli posted:
Honestly, you're better off putting whatever you'd spend on a premium and putting it into a savings account that you earmark only for vet emergencies. Yeah, it won't help if the animal gets in trouble next week, but you figure at $50 a month, you've got $600 in a year. Add any extra that you can. The thing with insurance policies is that they're only good for the one pet. If your pet dies never needing the insurance, you're out a ton of money. If you put it in a savings account, your next pet can benefit from that money.
As to all of you saying that it's easier just to put an animal down, you've obviously never had one that was like family...
This is true for car insurance, medical insurance and life insurance... *shrug*
True, but most of those things will cost you MORE than a pet, in terms of medical bills, or repairs after a crash.
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The problem with the gene pool is that there is no lifeguard.
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FineYoungCannibals
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Sith_Mauler posted:
I grew up on a farm I remember seeing my dad shoot my first dog that I remember having when I was 6 or 7 because the bastard wouldn't stop killing chickens.
I learned that chicken killing dogs dont live long in the country.
lol
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I have a CARE credit card for the pets
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Cuttlery
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Natoli posted:
Honestly, you're better off putting whatever you'd spend on a premium and putting it into a savings account that you earmark only for vet emergencies. Yeah, it won't help if the animal gets in trouble next week, but you figure at $50 a month, you've got $600 in a year. Add any extra that you can. The thing with insurance policies is that they're only good for the one pet. If your pet dies never needing the insurance, you're out a ton of money. If you put it in a savings account, your next pet can benefit from that money.
As to all of you saying that it's easier just to put an animal down, you've obviously never had one that was like family...
This, Pet insurance is a massive waste of money. There is tons of fine print in those policies as well
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deadcactus
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Onslaught. posted:
This is true for car insurance, medical insurance and life insurance... *shrug*
The difference is that the average person is unlikely to be able to withstand the financial hit if a catastrophe occurs to their car, home, health, etc before they've had a chance to build up that savings. Most people can tolerate a few grand for a pet or the $50 to put a pet down...
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jonus156
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Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
Same here. i dont mind a few hundred to take care of minor stuff but more than that its an animal if i can buy a car for what it would take to "fix" the health issue ill pay to put the dog to sleep and go adopt a new one for the shelter. ( and the only money id spend on a cat is the cost of a bullet)
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This thread begs the question: do the "women" of ACF use a funnel to get that much sand in their vagina or do they just slide around the beach like an angry Roomba? -deadcactus-
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Varece
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My daughter has Banfields pet insurance on all the dogs, not sure about the cats.
Like any insurance, you may or may not need it. 
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I am no longer young enough to know everything Knowledge is Free  America's Libraries "You embrace that which defines you" "If you tell the truth, you don't need a good memory" We're not perfect...we're parents
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Sith_Mauler
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jonus156 posted:
Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
Same here. i dont mind a few hundred to take care of minor stuff but more than that its an animal if i can buy a car for what it would take to "fix" the health issue ill pay to put the dog to sleep and go adopt a new one for the shelter. ( and the only money id spend on a cat is the cost of a bullet)
Trust me I feel bad after putting down a pet, especially dogs.
I wont even look a dog in the eyes anymore before I put them down. I made that mistake once and the look of that dog looking up to me still loyal to the end still haunts me.
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Well I ain't first class
But I ain't white trash
I'm wild and a little crazy too
I have seen a lot of things in my life time.
That is why I walk the line I walk.
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jonus156
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Sith_Mauler posted:
jonus156 posted:
Sith_Mauler posted:
People think I am wrong for this but I have no issues with putting down a pet.
Same here. i dont mind a few hundred to take care of minor stuff but more than that its an animal if i can buy a car for what it would take to "fix" the health issue ill pay to put the dog to sleep and go adopt a new one for the shelter. ( and the only money id spend on a cat is the cost of a bullet)
Trust me I feel bad after putting down a pet, especially dogs.
I wont even look a dog in the eyes anymore before I put them down. I made that mistake once and the look of that dog looking up to me still loyal to the end still haunts me.
Oh it wrecks me emotionally for dogs. but I still do it. And im not sure why i hate cats so much i just know i hate them to the point of almost being a sociopath about wanting them all to die.
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This thread begs the question: do the "women" of ACF use a funnel to get that much sand in their vagina or do they just slide around the beach like an angry Roomba? -deadcactus-
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Varece
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Some people just aren't emotionally capable of raising pets.
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I am no longer young enough to know everything Knowledge is Free America's Libraries "You embrace that which defines you" "If you tell the truth, you don't need a good memory" We're not perfect...we're parents
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