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post #1 of 19 (permalink) Old 01-16-2007, 08:24 PM Thread Starter
 
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Question Health Insurance

OK. I searched this entire website and never saw any mention of health insurance for dogs. I was originally looking at Cavalier King Charles Spaniels (don't be mad at me) and I changed my mind when I discovered the large amount of health problems they had. They scared me off because everyone on their forum said you pretty much need pet insurance.

Every breed has health problems, put compared to other smaller breeds the Havanese seem OK. (Plus, I love my sister-in-laws Havanese. He loves me too )

Do a lot of you Havanese owners have health insurance for your dogs? Which type (accident only or the premium that covers hereditary problems)?Do you recommend any companies that sell this?
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post #2 of 19 (permalink) Old 01-17-2007, 09:50 AM
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Hi Rita, my Oreo was automatically put on insurance by the breeder. For the first 6 weeks its free, and in the meantime we are responsible for signing him up.. Our breeder said it was up to us if we wanted to continue or not, but my hubby and I did have the discussion about it and we are planning on signing him up for it. I find that at the vet there are so many little extras that really add up, so we think its worth it - we never know when we are going to need it. We only have him, so for us its worth it. We got the one by Petplan. The are a few out there, but we went with the company my parents are on for their cat I am sure others know of other plans, if they use them...
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post #3 of 19 (permalink) Old 01-26-2007, 05:12 PM
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We've looked into getting pet insurance since Ricky came home with us and still haven't done it. BUT we will! I just got a note from a friend with a Hav who recommended Pet Plan so we're going to go with them. We're in Canada, but I think they also cover in the U.S.

You just never know! My dad's Jack Russell got into some paint, ate the stuff up and was so sick he almost died! He was on IV for 2 days and the whole thing cost about $1500. He was only a year old!! Accidents happen and if you have the insurance and it means the difference between going ahead with a procedure that is costly or maybe having to put the dog down because we can't come up with the cash, then.... I'd much rather be covered. I mean, I know we'd find the money if we had to do something to save Ricky, but this way it won't be a huge stress. Since the Hav can live up to 15 years or more, I figure the odds are that it just might come in handy one day. lol

This site allows you to compare plans and make your decisions accordingly..... http://www.vetinsurance.com/index.html




Hello. My name is marj and I have MHS.




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post #4 of 19 (permalink) Old 01-26-2007, 05:27 PM Thread Starter
 
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Thanks Marj. I was leaning towards getting insurance but have to do my research. My sister in law highly recommends it after having a binky incident with her Hav that cost $$$$$$$. I figured I would ask my vet what plan if any she recommends.

Last edited by Rita; 01-26-2007 at 07:25 PM.
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post #5 of 19 (permalink) Old 01-26-2007, 06:33 PM
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I have the insurance thru the AKC, but it is expensive. Now with 2 dogs, I might have to rethink my plan and do some research on other plans.
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post #6 of 19 (permalink) Old 01-26-2007, 07:26 PM Thread Starter
 
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Does AKC give you a discount on more than one dog? I think I looked at one plan that did. I will let you know what I find out.
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post #7 of 19 (permalink) Old 01-26-2007, 07:50 PM Thread Starter
 
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Here is a link I found on health insurance. I think there are soooooooo many plans it is crazy. I think the best bet is ask your vets office what they use a lot. Also, which insurance has been around for a long time. I would hate to pay in to some insurance and then find out that they go bankrupt and no longer fulfill their policies.

http://vetmedicine.about.com/cs/insu...althinsura.htm

If you scroll down to the bottom of that site they have additional reading. Choosing Right Pet Insurance is a good article. She even does a pet health insurance comparison at the bottom of it. She did all the legwork...........interesting............ Use caution because some only go up to 8 years. It seems like in their info Petsbest is unlimited.

Last edited by Rita; 01-26-2007 at 08:07 PM.
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post #8 of 19 (permalink) Old 01-29-2007, 05:07 PM
 
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Health Insurance

When I first took Darby to his first vet appointment, one day after brining him home (9/19/06), I picked up an insurance brochure. I sincerely intended to get him insurance but did not act on it. Then Darby's liver shunt was discovered the day after Thanksgiving. My question is even though there is no more liver shunt because of his recent surgery, would an insurance company turn him down because of this past ailment?
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post #9 of 19 (permalink) Old 01-29-2007, 07:00 PM Thread Starter
 
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I think most of them are like our health insurance. They will not cover pre-existing conditions. So any other problems that deal with his liver probably won't be covered. That doesn't mean you cannot get insurance. You can get the insurance to cover other things.

In the previous area I listed, they had this info. Petshealthplan covers prexisting conditions after 90 days. But it is only for 9 years (that stinks) I don't know too much about it because I am still looking into health insurance myself. You will have to check into the insurance that you were planning to get.

http://personalinsure.about.com/cs/p...a051103a_2.htm

Did you vet recommend any?

Last edited by Rita; 01-29-2007 at 07:03 PM.
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post #10 of 19 (permalink) Old 01-30-2007, 02:58 PM
 
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Health Insurance

Darby's vet and I have not discussed this subject yet, but he does keep a brochure on pet insurance in the reception area. I can't recall at the moment what the name of the company is, but will try to remember to dig up the one I picked up in September. After this costly experience, it is something I am serious about looking into. Thanks for your information!
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