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post #1 of 7 (permalink) Old 09-11-2011, 09:34 AM Thread Starter
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which insurance

I am researching the health insurances like trupanion and petsecure and though i have been adviced to get both it is kinda hard to afford it. What are your thoughts?
I know trupanion has the advantage that their is not limit and it doesn't matter how old my doggie gets, her premiums won't go up.
So far i haven't had to use it, and sometimes i wonder whether it would be best to just have one or save the money i would pay for insurance in an account so that i only use that money for Uli's health related costs.

"If you have men who will exclude any of God's creatures from the shelter of compassion and pity, you will have men who will deal likewise with their fellow men." Francis of Assisi
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post #2 of 7 (permalink) Old 09-11-2011, 05:39 PM
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hi fluffball ,what's your first name. ? This is one of those things you never know about til it happens. I had insurance for three years. and never used it. Decided to start a 35 dollar a month auto transfer into special account for a rainy day. Now if get hit with a $2000 bill (which isn't hard to do) I might wish I had insurance. But at this rate, I will have that amount in less than five years so I told molly no accidents for five years. lol

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post #3 of 7 (permalink) Old 09-11-2011, 06:02 PM
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Insurance is a gamble. I had all 3 of my guys with Petplan. I cancelled their plans after 10 months because they denied a Lyme disease claim. It made me wonder if they looks for reasons not to pay the claims and only pay when theY run out of reasons. For three dogs I figured it would have cost me over 16,000 dollars in premiums alone. That doesn't cover copayment , deductible or denied claims! I decided to invest the money and hope my guys stay healthy and safe.
I heard trupanion had a huge rate increase because they were having trouble paying claims since they have no maximum. Some people policies were raised 400%!





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post #4 of 7 (permalink) Old 09-16-2011, 03:45 PM Thread Starter
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RATZZZ... i have been with petsecure for at least 6 months and trupanion 3 months, however paying two insurances for her and mine is a great burden at the end of the month. Between the two i would like to just keep one and what i would pay for the other one i would put i an account.
So you guys think that is more reliable to have a bank account for emergencies or keep insurance?

"If you have men who will exclude any of God's creatures from the shelter of compassion and pity, you will have men who will deal likewise with their fellow men." Francis of Assisi
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post #5 of 7 (permalink) Old 09-16-2011, 06:33 PM
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I think insurance is good if you don't have the money should something horrible happen. If a 5000.00 surgery would set you back, insurance is a good idea. I stopped my insurance because they refused to pay a claim. It just put a bad taste in my mouth. When I added up what I would be paying in premiums for the next 9-10 years, it was over 16,000, if you factor in yearly increases. That does not count any denied claims or copays. For me it's just not worth it. If my dogs need a surgery, I have the money to pay for it.





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post #6 of 7 (permalink) Old 09-16-2011, 06:44 PM
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Quote:
Originally Posted by Fluffball View Post
RATZZZ... i have been with petsecure for at least 6 months and trupanion 3 months, however paying two insurances for her and mine is a great burden at the end of the month. Between the two i would like to just keep one and what i would pay for the other one i would put i an account.
So you guys think that is more reliable to have a bank account for emergencies or keep insurance?
I agree with Linda, but this is your choice, its always a gamble with insurance. I hold my breath until I get Molly's account up to three thousand. LOL

Dave and Molly
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post #7 of 7 (permalink) Old 09-16-2011, 07:22 PM Thread Starter
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True that... you never know what the future may bring. I guess i will just check what is better and keep just one: either trupanion or petsecure.

"If you have men who will exclude any of God's creatures from the shelter of compassion and pity, you will have men who will deal likewise with their fellow men." Francis of Assisi
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