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Pet owners, what's your medical cap ($$)?

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Old 04-18-2013, 02:10 PM   #21
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Originally Posted by Bobbb View Post
Is your pet insurance vet-billable or is it out of pocket up front then reimbursed later by insurance co? The insurances I've seen so far have all been reimburse type so I'd still have to have the coin up front for a major procedure .
Still out of pocket for the ones I know of. Pet insurance isn't like people insurance where the health care providers have worked out deals with the insurance companies and have agreements. That's why some providers don't except certain insurance companies because they can't come up with agreements. Pet insurance will reimburse you regardless of vet as long as the medical procedure is within your contract.
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Old 04-18-2013, 02:11 PM   #22
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Sorry to hear about your dog Zac808. I hope the vets can get her better soon.

Pets become a member of the family. There's a reason they call the dog 'mans best friend'.

I read an article several years ago about a dogs 'dogness'. It helped me understand when to say when, when the time comes. The article was more focused on older dogs though.

Good luck.
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Old 04-18-2013, 02:12 PM   #23
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Quote:
Originally Posted by Bobbb View Post
Is your pet insurance vet-billable or is it out of pocket up front then reimbursed later by insurance co? The insurances I've seen so far have all been reimburse type so I'd still have to have the coin up front for a major procedure.

To the OP's original question- With basic maintenance plus ongoing treatments for a back injury suffered last summer, my dog runs me $350/mo on average. I don't know where exactly I'd draw the line on a major incident, but it would probably depend on how much 'free' money I had at the time. I would spend as much as it took, so long as I had it and there was a good chance it would make a difference to him.
I don't recall, I'd have to check out policy to see how it's handled.
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Old 04-18-2013, 02:45 PM   #24
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I would spend up to $3,000 probably. I've had my german shepherd for years, and he is very protective of my wife. $3,000 is the number I just came up with that would be worth not having to train another dog that may or may not be as protective as my current one. Some people think it's nuts to spend that much on a $300 dog, but we love him.

Depending on what happened and the success rate of surgery or whatever, I might pay more than that.
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Old 04-18-2013, 02:53 PM   #25
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Quote:
Originally Posted by moondeath View Post
Still out of pocket for the ones I know of. Pet insurance isn't like people insurance where the health care providers have worked out deals with the insurance companies and have agreements. That's why some providers don't except certain insurance companies because they can't come up with agreements. Pet insurance will reimburse you regardless of vet as long as the medical procedure is within your contract.
Cool, thanks. So it sounds like that's the industry norm then.
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Old 04-18-2013, 02:57 PM   #26
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First dog I have had pet insurance for, I bought it after she broke her leg on Christmas at 6 months old. $500 on Christmas day for ER vet and then another $400 in fallow ups.

My dogs are part of my family and I will do everything within reason, I know they are still a pet. With insurance I will be able to do more.
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Old 04-18-2013, 03:02 PM   #27
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Quote:
Originally Posted by 82 yotaman View Post
I got pet insurance and I agree if the poor animal is suffering put him/her down. I had a dog that got cancer and he was suffering and at the time I couldn't afford the procedure to put him down so I just took him out hunting for the last time it was quick painless and he didn't see it coming total cost .15, I felt like complete shit after that cuz I took him to get cremated and for all you out there that think what I did was cruel tell that to the suffering animal and I used a .22 so it wasn't gross it was like he just went to sleep, I still get teary eyed thinking about him I am just glad he died doing what me and him loved to do.
We had a lab when I was younger. We had gotten him when he was about 8 weeks old, and he was only a little over 6 months old probably, when he was sleeping under my dads truck. My dad wasn't aware he was under there, and when he started the truck (powerstroke) the dog didn't get up or move. My dad ended up backing over him. The dog was still alive, but suffering and wasn't going to make it, so he did the same thing to end the suffering for him. He was even crying after too.
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Old 04-18-2013, 04:39 PM   #28
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Originally Posted by kirkofwimbo View Post
Only you can answer that question. What is her life worth to you?
Pretty damn high. Both my dogs have been there for my wife through multiple deployments and temporary duties. We don't have actual children so they are known as the "kids".

Quote:
Originally Posted by 82 yotaman View Post
I got pet insurance and I agree if the poor animal is suffering put him/her down. I had a dog that got cancer and he was suffering and at the time I couldn't afford the procedure to put him down so I just took him out hunting for the last time it was quick painless and he didn't see it coming total cost .15, I felt like complete shit after that cuz I took him to get cremated and for all you out there that think what I did was cruel tell that to the suffering animal and I used a .22 so it wasn't gross it was like he just went to sleep, I still get teary eyed thinking about him I am just glad he died doing what me and him loved to do.
That was a tear jerker.

Quote:
Originally Posted by TACO TX View Post
I would ask my vet what it could be and if there is a medication you could try first before bloodwork and test. Then if it doesnt get better fast ask there opinion of wheather or not they think its worth the money to do the test. I would hate to pay all that money just to find out that it was something terminal and they need to be put down anyway. I hope it gets better and not much more suffering and expense.
I hate asking the vets anything. I feel like they are always trying to upsell us. Really playing on emotion. We are in the process of trying to find a new vet.

Quote:
Originally Posted by Monster Coma View Post
Wouldn't set a limit. My dogs are a part of my family.. the only way they would be put down is if it would be the better option. I.e. pain and suffering.
Agree.
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Old 04-18-2013, 05:47 PM   #29
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Yea you need a vet that you can really trust that is not after your money and is more interested in the well being of your animal. I hope all works out for the best.
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Old 04-18-2013, 05:47 PM   #30
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Quote:
Originally Posted by moondeath View Post
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I pay about $16 or so a month for my dog.
Thanks. I'm going to look into it. My dog is like my child. She is spoiled rotten and has no idea that she is even a dog lol
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Old 04-18-2013, 05:52 PM   #31
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Hey, mine is too. He is my best friend no matter what.
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Old 04-18-2013, 07:37 PM   #32
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Quote:
Originally Posted by TACO TX View Post
Yea you need a vet that you can really trust that is not after your money and is more interested in the well being of your animal. I hope all works out for the best.
I agree. I have actually grown up with the folks at my vet. One lady I actually have known since 1st grade. They always take excellent care of my girl. I could write them a blank check and know that they wouldn't rip me off
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Old 04-19-2013, 03:25 AM   #33
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How much you all paying for the pet insurance?
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Old 04-19-2013, 06:36 AM   #34
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Originally Posted by coffeesnob View Post
How much you all paying for the pet insurance?
I pay about $16 a month. It's dependent on age and health. When I first got it for my dog it was about $12 per month.
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Old 04-19-2013, 07:31 AM   #35
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I pay 16 bucks a month for mine. i's through aspca I think
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Old 04-19-2013, 07:57 AM   #36
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Wife and I have Insurance on all of our pets, one of my German Shepards got tagged by a rattler a few years back, was over 8K in bills before we acquired insurance, had no issue paying it as they are worth it and as long as the vet is clear on how to fix/treat it.
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Old 04-21-2013, 02:21 PM   #37
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cant really put a price on a precious life
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