Is ‘Pet Insurance’ Really A Good Idea?


I say YES, pet insurance is a good idea! As the owner of 3 dogs, I’ll tell you why…

Elvis with sister & baby

Priscilla, Elvis & the newest ‘fur-baby’ Miracle

It’s hard to imagine the ‘unexpected things’ that can happen to our pets when we first bring home that healthy and adorable little puppy or kitten. But just like us humans, ‘things happen.’

 

Linda Lee's Yorkie "Elvis"

Linda Lee’s Yorkie “Elvis”

I actually have only 2 dogs now, after losing the first dog I ever had in my adult life, my boy Elvis who lost his battle with an intestinal tumor a couple of months ago.  Prior to that, I am guessing that we spent close to $5000 over his 12 years here on earth. He had a seizure at 8 weeks of age, and required medication to treat that for the rest of his life. When Elvis was 8 years old, our neighbors Pit Bull hopped our fence and got into a fight with tiny little Elvis, who ended up with several puncture wounds  and ended up blind in one eye too. Two years ago Elvis injured his blind eye, and required a surgical procedure that cost over $1000 by a ‘doggie ophthalmologist!’  That’s just ‘some’ of the things that happened to Elvis requiring expensive veterinary care.

Linda's little "Priscilla"

Linda’s little “Priscilla”

Our 10-year-old Yorkie Priscilla is getting her SECOND dental surgery to remove rotten teeth and clean the remaining teeth tomorrow. The estimate that we were given for this procedure which requires anesthesia is between $700-900. That’s in addition to the $100 we had to pay on Monday for routine shots and blood work needed before her surgery!

Veterinary care is SUPER EXPENSIVE and I sure wish I had purchased pet insurance BEFORE my dogs had these ‘pre-existing conditions.’ I really think in the long run that chances are that it will pay for itself eventually. Just one single and expensive medical treatment could be more than all the premiums you will pay over the life of the policy!

The lucrative pet insurance industry has hit an all-time high as new research reveals dogs are much more likely to be insured by their owners than cats.

The old adage that dogs are a man’s best friend would appear to ring true as one in four dogs are covered by insurance against unforeseen medical problems and traffic injuries. By comparison, only one in six cats are the subject of an insurance policy.
Pet insurance gives you peace of mind that you won’t have to deny your pet life-saving treatment because the veterinary bills are too expensive.

One of our listeners called in and told us about a policy she recommends from Banfield Pet Hospital, which are located inside select PetSmart locations. Here is what they offer:

Optimum Wellness Plans are not pet insurance… they’re better!

Banfield Pet Hospital offers its clients affordable, comprehensive wellness plans for their pets. They believe proactive preventive care not only improves the quality of your pet’s life, it will add years to it. That’s why Banfield developed wellness plans to help make caring for your pet simple and affordable through every stage of your pet’s health.

Unlike the average veterinary pet insurance where you pay for coverage you may never use, Optimum Wellness Plans always provide the services you pay for. Banfield wellness plans provide affordably priced healthcare plans that spread the cost, conveniently over 12 months. Optimum Wellness Plans promote disease prevention and early diagnosis and are not intended to treat injury or illness. Think of them as discounted, bundled preventive care plans. They include free office visits and discounts all year!

  • Unlimited free office visits & physical exams with convenient hours
  • Comprehensive exams by a licensed veterinarian
  • High-quality vaccines
  • Early screening for serious illnesses
  • Convenient drop-offs and evening & weekend hours
  • Discounts on most other Banfield products & services
  • Affordable monthly payments
  • Special offers on Royal Canin® Veterinary Diets

Why do you (or don’t you) have insurance for your pet?

More from Linda Lee
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