MY QUESTION is...
The above is not covered, coursing would not and could not be grouped in with pointing birds could it?Conditions caused by racing, coursing, commercial guarding or organized fighting
The above is not covered, coursing would not and could not be grouped in with pointing birds could it?Conditions caused by racing, coursing, commercial guarding or organized fighting
I'd call and ask...isonychia wrote:4 months ago I looked into pet insurance, not with all my research finding a good accident plan and thinking 28 bucks a month was just too much, I opted out. Then 2 months ago we had an accident that cost me $500, and having now found a good accident plan from petsbest at $10 a month, I knoiw if I had fond the same plan 4 months ago I would have bought it. I got a promo email for some plan through petsbest today that had the accident only on there, they sure did hide it!
MY QUESTION is...
The above is not covered, coursing would not and could not be grouped in with pointing birds could it?Conditions caused by racing, coursing, commercial guarding or organized fighting
Just think how lucky you are to know someone that knows everything. Most of us have never had that happen.But then again, Ezzy knows everything, so I probably shouldn't even be questioning his advice.
User avatar
displaced_texan Rank: 4X Champion Posts: 696Joined: 17 Aug 2007, 23:57Location: Mobilehoma
Top
--------------------------------------------------------------------------------
I really am very lucky!ezzy333 wrote:Just think how lucky you are to know someone that knows everything. Most of us have never had that happen.But then again, Ezzy knows everything, so I probably shouldn't even be questioning his advice.
User avatar
displaced_texan Rank: 4X Champion Posts: 696Joined: 17 Aug 2007, 23:57Location: Mobilehoma
Top
--------------------------------------------------------------------------------
Ezzy
isonychia wrote:MY QUESTION is...
The above is not covered, coursing would not and could not be grouped in with pointing birds could it?Conditions caused by racing, coursing, commercial guarding or organized fighting
BINGO!!Hattrick wrote:So basically they cover nothing
rinker wrote: ...
Here is where this post is going to get unpopular. Know what your dog is worth. If one of my dogs was in a situation where there were only two options, spend a couple of thousand dollars for treatment, or the dog will die. I would realize that the dog has had a good life, tell him good bye, and say a little prayer for his soul. I would then buy a puppy or young dog for a fraction of the cost of the treatment.
...
The best advice I've seen in a long time for 120 dollars I could treat about 50 snake bites but now my old vet is gone and the ones I've found lately are all about money not animalsrinker wrote:I am employed in the insurance industry. I am not 'anit-insurance', but I would not buy pet insurance and I would not recommend that any one else buy pet insurance. I will try to give you a few tips to keep your vet bills down.
Find someone that is experienced with dogs or animals in general that you trust. When you have a minor concern discuss it with that person before going to the vet. It may be nothing, or it may be something that you can deal with easily if you know how.
Find a down to earth country vet. Do not use a vet who caters to wealthy women and their french poodles.
Here is where this post is going to get unpopular. Know what your dog is worth. If one of my dogs was in a situation where there were only two options, spend a couple of thousand dollars for treatment, or the dog will die. I would realize that the dog has had a good life, tell him good bye, and say a little prayer for his soul. I would then buy a puppy or young dog for a fraction of the cost of the treatment.
I have had 5 to 10 dogs at all times for the past 25 years. I have had two dogs put down, and both were very old. I have taken care of a lot of minor health issues my self.
I need the name of your Vet. I just had a male collected and that bill was $400.ezzy333 wrote:I have had somewhere near 5 dogs on average for 60 years. At 10 per month for each that would be 600 per year and then for 60 years it would be 36000 in my pocket rather than the insurance companies pocket. In that time I have had one instance of a bill over 300 dollars. I would guess my total expense would be some where near 6000 so you can see where I would stand.
Ezzy
And you are not even considering the interest that should be added over 60 years. The $36,000 is more likely well over 100 grand.ezzy333 wrote:I have had somewhere near 5 dogs on average for 60 years. At 10 per month for each that would be 600 per year and then for 60 years it would be 36000 in my pocket rather than the insurance companies pocket. In that time I have had one instance of a bill over 300 dollars. I would guess my total expense would be some where near 6000 so you can see where I would stand.
Ezzy
isonychia wrote:I agree with everyone about saving insead of insurance. I would take that approach if i myself had a steady income. For now $10that a month os worthwhile. I looked through the fine print, just the fact that it covers snake bites makes it worth the nominal monthly premium! If they do pull a fast one on me... at least its only a 120little dolllar a year gamble. Thats 2 tanks of gas.
That all depends are where you live and what you do with your dogs. 2 rattlesnake bites in the past 5 years and you may change your story.Vision wrote:The statistical odds of ever needing insurance because of a snake bite are miniscule.isonychia wrote:I agree with everyone about saving insead of insurance. I would take that approach if i myself had a steady income. For now $10that a month os worthwhile. I looked through the fine print, just the fact that it covers snake bites makes it worth the nominal monthly premium! If they do pull a fast one on me... at least its only a 120little dolllar a year gamble. Thats 2 tanks of gas.
I live in copperhead country, and spend a good amount of time in rattlesnake country.Vision wrote:
The statistical odds of ever needing insurance because of a snake bite are miniscule.
Years ago, we had pet insurance and made some claims on it. We were extremely disappointed in the results. While the insurance advertised that they covered whatever % of the vet costs for certain claims, you have to search in the very fine print to see what they mean. What they mean is that they pay whatever % of costs as defined by their "schedule" of reasonable costs. Well, our mutt - a dachshund with crushed discs - had very pricey surgery, and the insurance informed us that the fees charged by the surgeon were excessive compared to their "schedule of fees," so they paid the 60% or whatever it was, of the "schedule" amount which ended up being far less than we were expecting. Needless to say, we cancelled and haven't considered it since.Hattrick wrote:This a helpfull thread. It would be nice if we could here from sum folks that have had claims with insurance. If there is anyone floating around.
I spend a bit more on vet bills than Ezzy but I do agree with his premise.ezzy333 wrote:I have had somewhere near 5 dogs on average for 60 years. At 10 per month for each that would be 600 per year and then for 60 years it would be 36000 in my pocket rather than the insurance companies pocket. In that time I have had one instance of a bill over 300 dollars. I would guess my total expense would be some where near 6000 so you can see where I would stand.
Ezzy