[Mugen EvOlutioN]

anyone purchased it before?

recommandation? cost?

thx

[Marioo1991]

just got some about 6 months ago, went with Petcare, pay about $37/mth

I think theres about 4-5 main pet insurance providers in Canada, I narrowed my choice down to Petcare or Pet Secure, decided to go with the first

[Mugen EvOlutioN]

^

how much does it cover


when u buy insurance
wats the procedure? do u just start paying the monthly fee, or it requires taking ur dog a exam than than u start paying the insurance etc

[quasi]

I think if you took that money and set it aside you'd more likely then not be better off in the long run. My dog is 9 years old I had one thing that I probably would have had to use insurance for that cost me $500. $37 x 12 x 9 = Just shy of $4000.

I know there is a chance your dog might need an expensive surgery but there is also a good chance that the insurance will screw you around and make it almost impossible to collect. I wouldn't buy it, not worth it IMO.

[Mugen EvOlutioN]

wat worries me is i THINK my dog has a tumor (i think tats how u spell ) near his stomach

and it really really reall worries me, i cant afford his surgery, yet he just turned 6 years old. its a labordor retriever

:(:(

[godwin]

They don't need to do physical because they will just deny your claim. You do know a simple biopsy before surgery, the vet will be able to tell how long the tumour has been growing?

You better start selling your Mugen and your Evolutions.

Oh chances are you might need to pay up front for major surgeries at least a portion.. then insurance company finds out and invalidates your policy, you basically paid all the insurance all for nothing.

wat worries me is i THINK my dog has a tumor (i think tats how u spell ) near his stomach

and it really really reall worries me, i cant afford his surgery, yet he just turned 6 years old. its a labordor retriever

:(:(

[1-Slicer-1]

wat worries me is i THINK my dog has a tumor (i think tats how u spell ) near his stomach

and it really really reall worries me, i cant afford his surgery, yet he just turned 6 years old. its a labordor retriever

:(:(

Um.....What if that tumor is cancerous? Don't you think you should get that checked out?....like now....If the tumor is benign however, it may not need to be removed.

Buying insurance now does absolutely nothing for you about this 'lump' near his stomch. Go to your vet, figure out what this thing is, so you can either prevent this tumor from getting larger and thus resulting in more expensive surgery or so you can find out that it, in fact, is either benign or is not even a tumor at all and can clear your head and thus live in peace.

Run along now.

[xilley]

my two wesite has insurance, my mom takes care of it, but from what i know, it covers 95% of the fees
from sneezing to surgery etc, stay over in vet etc etc

i highly doubt they would let you insure your dog, as its already showing symptoms, they will most likely deny it
as my dogs got their insurance when they were just puppies, its cheaper and it covers more i believe

i just got a pitty today, going to get it insured soon

[Marioo1991]

^

how much does it cover


when u buy insurance
wats the procedure? do u just start paying the monthly fee, or it requires taking ur dog a exam than than u start paying the insurance etc

cant remember exactly what it covers, have to look it up. I remember I got something middle of the road.

We just started paying right away, but shortly after signing up we took him to get an exam.

[TheNewGirl]

If you think your dog has cancer you need to take him to a vet IMMEDIATELY. Most vets, if you've had a long standing relationship with them, will be willing to work out a payment arrangement for expensive treatment. You are not only responsible for but legally required to provide proper medical care for your animal, that is the responsibility you took on when you took in the dog.

First find out if it's malignant or benign. If it is an aggressive form of cancer and you are unable or unwilling to pay for the surgery you at least owe it to your animal to man up and put him or her to sleep so that he or she can die with dignity rather then enduring a slow painful death because you were unwilling to foot the bill for an exam.

[Mugen EvOlutioN]

^

for sure, thats what im gonna do today bringing him to the vet and get it looked at.


hope he is okay

:(

[Marioo1991]

I think if you took that money and set it aside you'd more likely then not be better off in the long run. My dog is 9 years old I had one thing that I probably would have had to use insurance for that cost me $500. $37 x 12 x 9 = Just shy of $4000.

I know there is a chance your dog might need an expensive surgery but there is also a good chance that the insurance will screw you around and make it almost impossible to collect. I wouldn't buy it, not worth it IMO.

+1 with putting money aside. The problem with this is that not many people can diligently put $37 a month aside and not touch it.

I also think it depends on the breed of dog you have. Seems like smaller & pure bred dogs are more prone to injuries/issues. One of my friends has spent probably close to 10k in the last year with surgery, etc.

[TheNewGirl]

+1 with putting money aside. The problem with this is that not many people can diligently put $37 a month aside and not touch it.

I also think it depends on the breed of dog you have. Seems like smaller & pure bred dogs are more prone to injuries/issues. One of my friends has spent probably close to 10k in the last year with surgery, etc.

One of the best ways to do it is with a change/cash jar. When I first started keeping animals that required an exotic vet, but had very low limit credit cards, I would dump all my change every night and any $5s I had into a jar. You'd be amazed how much money would collect in there and because it was mostly just change it never seemed like money I was 'missing'.

It came in major handy when my cat got maulled by a raccoon and I had to go to an emergancy vet in the middle of the night (which costs like $200 just to walk into the clinic pretty much).

[InvisibleSoul]

i highly doubt they would let you insure your dog, as its already showing symptoms, they will most likely deny it
Yeah... basically that's like buying car insurance after you've already gotten into an accident. Not going to work.

But yeah, for most people, it'll be cheaper in the long run to pay for the expenses out of pocket instead of for an insurance plan.

We got insurance for our chihuahua for the first year we had her, and we were able to make some claims, but it still would have cost less if we paid out of our own pocket.

[godwin]

The insurance company will happily take your money. they will just deny your claim and keep your money (that's the best scenario).. As you are required to declare that the dog is in good health. Worst case scenario, they get the lawyers involved.

Basically the OP is thinking about committing insurance fraud.


i highly doubt they would let you insure your dog, as its already showing symptoms, they will most likely deny it

[quasi]

wat worries me is i THINK my dog has a tumor (i think tats how u spell ) near his stomach

and it really really reall worries me, i cant afford his surgery, yet he just turned 6 years old. its a labordor retriever

:(:(

My dog had a big lump as well and of course the first thing I though was tumour. Had the biopsy done and it turned out to be just a fat lump.

Get it checked out, the biopsy wasn't that expensive either. It might be something or it might be nothing. I was expecting the worst but was suprised for the good.

[1-Slicer-1]

OP, give up some update when you can.

[Mugen EvOlutioN]

thx guys, ya not gonna bother buying insurance.

strictly looking for a vet


NOw i took him today, apparently the previous vet shop closed down :(

Any vets you guys had good experience with? passion for dog, friendly and most important REASONABLE price? hoping an asian doctor ( iknow its rare)

IN coquitlam/burnaby area


thx a lot

not everyone can afford a huge bill for dog, my boss's dog had cancer, spent $4-5g in a month or so, end up putting it down couple months later. Its really unfortunate watching man's best friend go like that. Especially mine is still fairaly young, just got to 6 years in his life.

thx for the help tho

[xilley]

theres a taiwanese vet on kingsway near ramada hotel

[Mugen EvOlutioN]

^

cool thx a lot

do you know the shop name? i wonna go before they close. but wont be home from work usually until 5ish


http://maps.google.ca/maps?hl=en&biw=1280&bih=713&um=1&ie=UTF-8&q=animal+hospital+on+kingsway&fb=1&gl=ca&hq=animal+hospital+on+kingsway&hnear=Vancouver,+BC&ei=jmz-TNLBMJSksQPG0OSwCw&sa=X&oi=local_group&ct=image&resnum=1&ved=0CAQQtgMwAA&iwloc=161161564620860569

it aint that one, yet it seems to be the closest vet near ramada hotel

[xilley]

NVM, my mom said dont go there as we brought our dog there before for shots and the service was over priced and shit, and she said she has heard bad feedbacks, and it has killed a dog during surgery before..
so No good !

[Mugen EvOlutioN]

^

thx for letting me know



i was just busy googling all morning.
:thumbsup:

[Mugen EvOlutioN]

took him to north road animal hospital, after googling all morning and read decent reviews about this one

TOtal bil was $270 after taxes

he had one ear infection, some rabbies and annual shots

Most likely just a chunk of fat, but we still gonna take samples and send it to the lab


took him in for grooming, he is a happy dog now

:blushsmile:

[optiblue]

I recommend buying pet insurance. My coworkers told me of some medical procedures they had to pay out of their own pocket and they were not cheap. $2000 for swallowing a sock, and $3000 for fixing a leg.

[1-Slicer-1]

took him to north road animal hospital, after googling all morning and read decent reviews about this one

TOtal bil was $270 after taxes

he had one ear infection, some rabbies and annual shots

Most likely just a chunk of fat, but we still gonna take samples and send it to the lab


took him in for grooming, he is a happy dog now

:blushsmile:

Good on you.

[Mugen EvOlutioN]

I recommend buying pet insurance. My coworkers told me of some medical procedures they had to pay out of their own pocket and they were not cheap. $2000 for swallowing a sock, and $3000 for fixing a leg.



test result came back it was just some weird fat so im glad to hear


now dog insurance would it be worth it, i mean $50 bux x 12 = $600 a year

x 5 years , 3000 already

hmm
now we can get back to the original question. WHich original insurance company covers the most with illness etc for a decent reasonable rate

[xilley]

glad to hear, just head down to the vet any vet really
and grab the insurance bouchures
i dont remember myself

[babycake]

I'm with Trupanion. They cover 90% of vet bills (no limit on pay-outs and no illness categories as many other insurance companies have) excluding exam fees and preventative health care like routine dental cleaning, grooming, nail trim, etc.

So far, I have been very happy with them, but I am paying around $80/month for my senior Chihuahua. Having said that, I am actually saving money thanks to this policy because she is quite problematic.

I started looking into pet insurance after she ingested some soft plastic and I ended up with close to a $3000 vet bill. That incident put into perspective how a simple procedure could cost thousands out of my pocket and I really wish I started insurance way earlier.

[xilley]

my 2 westies are also with Trupanion, with 0 deductiables
they starts around 45 each, but they raised us 3 times, everytime we moved they would raise the price per month, now we re at 55, none the less still a pretty good deal

i m going to give pet secure a call, and see how Their insurance works

let you know soon

[Mugen EvOlutioN]

$40-50 bux sounds fairly reasonable

but when you get to $80-100 damn...


$1200 a year is pretty expensive


i guess owning a pet is definitely a luxury

[babycake]

$40-50 bux sounds fairly reasonable

but when you get to $80-100 damn...


$1200 a year is pretty expensive


i guess owning a pet is definitely a luxury
Definitely. When I started my policy in early 2008, it was only 40 something dollars per month. Trupanion supposedly doesn't penalize and increase premiums if you claim a lot, but over the course of almost 3 years, they sent letters out to everyone (3x) stating that they would need to increase the premiums due to increasing vet costs.

At one point in time, I was considering canceling our policy because $80 *is* quite a bit to pay monthly, but if you have a problematic dog like I do, sometimes it might still be worth it. Depends on your dog. As I mentioned, I'm still saving lots of money with insurance...that speaks volumes about just how often my dog sees the vet, lol.

[TheNewGirl]

In the future I highly recommend Eagle Ridge Animal Hospital, though they do cost a bit more than average (probably cause they have a couple of exotic animal vets on staff) but they're worth it.

In general I think you're better off banking that $1000/year then giving it to the insurance company. You can put it aside and then if in your pet's life time you don't use it you'll have a nice little savings towards a down payment on a condo. :P