The AKC policy does cover one yearly dental, flea treatment etc. Also titre testing now.I'm looking into insurance at the moment & boy, what a job!! I'm going cross eyed reading all the fine print! It seems that the policy premiums here in Au go up based on the age of the dog - for example, one policy I looked at would be $51.53 per month for Harley, and $45.86 per month for Dakota - there is a 2 year, 2 month age difference between them. This policy covers EMERGENCY and ILLNESS only of up to $12,000 per year (it basically says it will pay 80% of costs).
I'm also a bit disappointed to see (so far) that preventative treatments such as dentals are NOT included in any of the policies I have looked at so far. One policy did included preventative treatment, but at an additional cost of $9.50 per month, and in the case of a dental, would only cover the first $50 - yeah, its something, but given the cost of their last dental, it barley scratches the surface.
I'm not being 'tight', but at close to $1200 per year to insure both of my darlings, I have to ask myself if this is of real benefit to us. But, as you say Pam, do I have $3000 sitting around in case of emergency??? Right now, yes. I could cover a $3000 emergency - but only once & it would be a considerable financial 'hit'
Both H & D are due a dental in the coming months - I'm guessing thats going to be around $500 + .... but even if I had the insurance - I haven't found a policy yet that covers such 'preventative' treatment ..... frustrating!
Yes, I do have PetPlan insurance for Bailey. I got it as soon as I adopted him, to ensure that if there were any accidents or major illnesses, then I would be covered, at least somewhat. When Bailey got sick recently, between all the tests, medicines, hospitalization, surgery, etc, I spent somewhere around $3,500. We're still not in the clear yet because we don't have a diagnosis on him STILL :w00t: and no idea what could have caused his stomach to look/act like it had a blockage. Anyways, $3,500 is not an amount I could come up with easily (especially since I have a 12 year old cat who was just diagnosed with cancer and I have spent thousands of dollars in the last six months trying to get to this diagnosis). I'm glad I have PetPlan, although I have been having some issues with them (they recently switched underwriters, whatever that means) so I'm still trying to figure out how much they will actually cover.It is good to see this posted again in light of all the sick dogs we have had here lately. Some have insurance (like Bailys Mom Nida) and some do not. I cannot recommend it enough to everyone. I know that people say they will save money for vet visits. But I think everyone should have at least a policy that cover for catastrophic events. I think you need to ask yourself, can I come up with $3000.00 quickly and easily? That is the amount that most surgical or medical emergencies cost.
I really like my AKC plan, but they do not cover some hereditary problems. And with our dogs honestly, that could pose a problem. However now for me, changing carrieres is not an option, as now Lola has a pre exsisting condition.
But I was very happy to see in their latest newsletter, they are now paying for vaccine titre testing! That is a really good thing.