Maltese Dogs Forum : Spoiled Maltese Forums banner
1 - 17 of 17 Posts

·
Registered
Joined
·
2,474 Posts
Discussion Starter · #1 ·
I took Wilson to the vet yesterday. He was so very good and very brave.

He got all his shots, he has two ear infections, slight kennel cough, and the vet said Wilson has the worst teeth he has ever seen on a dog so young!!!!


He is going to need some fairly extensive dental work. Next month, once his cough and ear infections are cleared up he will go on antibiotics for a week and then he will go in for his dental work. He has to have 3-5 baby teeth pulled, not to mention the huge layers of tarter scraped off.

I know Maltese are known for having bad teeth, but this goes way beyond that. It sounds like since he got such a bad start in life that this is going to be an ongoing problem.


I am considering Pet Insurance- do any of y'all have it? Is it worth the money?

Does anyone else's baby have really bad teeth?
 

·
Registered
Joined
·
7,428 Posts
From what I've heard pet insurance isn't worth it. They only pay for some stuff, sometimes only a portion of it. What I've done is open a savings account for the girls. I have $50 a month transferred into it. I'm going to try and only use it for the really large vet bills.

Also to help prevent tartar buildup in the future you should try: Suzie's Tartar Control
Some people on here recommended it. They said it works really well. Its on my list of things to get.
 

·
Registered
Joined
·
4,035 Posts
I think okw really likes her insurance, but we don't have it. Like kristi we just have a savings account for the boys. I've never used the money in there yet, but it feels better to know it's there just in case.

I brush the boys teeth daily, it took a while to get them to agree with me doing it, but every little bit helps.
 

·
Premium Member
Joined
·
21,482 Posts
I have Veterinary Pet Insurance (VPI) and I've been pleased. I opted for the plan that pays a portion of a wellness check up. I got a check for $150-ish from them after Catcher's last check up. When I have a chance I'll post the actual bill and then what they paid.

I am not the type of person who does well with a savings plan. I am a spender, not a saver!!
So, this gives me peace of mind. I have the complete policy including cancer, etc. for both K & C. I got a couple bucks off for having two and the price is about $30 month average for each of them. So if it is $360 a year and they've already paid me $150-ish for the wellness check, it is well worth it.

BTW, they don't cover hereditary things such as luxating patella, which is often an issue with Malts.
 

·
Registered
Joined
·
2,474 Posts
Discussion Starter · #5 ·
Thanks for the suggestion for the tarter control, I will order some right away. I bought Wilson a toothbrush- a tiny electric one, and have been brushing his teeth a little bit each night. He hates it, but he will let me go for about 2 minutes now. The vet said the electric toothbrush is the way to go, especially for how bad his teeth are.

re: Savings Account: We have started doing this, and I think after doing research on pet insurance, this makes more sense.
 

·
Registered
Joined
·
17,659 Posts
Maltese are prone to dental problems, but poor Wilson! To have such problems at such a young age! I had a Siamese cat (also prone to gingivitis) who had lousy teeth from day 1. I got them cleaned regularly, sealed, etc, and she still lost teeth.

Does pet insurance cover dentals? That sounds like where your $$$ might be going in the future!

My vet recommends CET chews. They have enzyme action and are great for removing tartar. Lady is 10 and still has great teeth. I swear by those things!

http://www.revivalanimal.com/product.asp?pn=86%2D345
 

·
Registered
Joined
·
2,474 Posts
Discussion Starter · #7 ·
Thanks Marj, I will add that to my list of dental things to get for him!
 

·
Registered
Joined
·
2,319 Posts
I LOVE PETCARE. I am getting a little sick of posting about it because I feel that people don't believe me. However, its a great pet insurance. I think it works opposite of VPI in that it covers all illnesses and accidents but does not cover preventative things (like vaccinations etc). I think pet insurances are worth a try (at least ours is). We are definitely ahead of how much we have paid for insurance vs how much they have reimbursed us!! If you need more info, feel free to pm me.
 

·
Registered
Joined
·
17,045 Posts
Originally posted by Kallie/Catcher's Mom@Nov 8 2005, 10:04 AM
I have Veterinary Pet Insurance (VPI) and I've been pleased. I opted for the plan that pays a portion of a wellness check up. I got a check for $150-ish  from them after Catcher's last check up. When I have a chance I'll post the actual bill and then what they paid.

I am not the type of person who does well with a savings plan. I am a spender, not a saver!! 
  So, this gives me peace of mind. I have the complete policy including cancer, etc. for both K & C. I got a couple bucks off for having two and the price is about $30 month average for each of them. So if it is $360 a year and they've already paid me $150-ish for the wellness check, it is well worth it.

BTW, they don't cover hereditary things such as luxating patella, which is often an issue with Malts.
<div align="right">index.php?act=findpost&pid=117898
[/QUOTE]


I wonder if they pay for Patella surgery if it is caused from an accident?
 

·
Registered
Joined
·
1,597 Posts
K & C, and OKW,

Could you please tell a bit more on each of your insurance. I did go to both sites and it seems that K&C is the cheaper one but, I notice you said it does not include heriditary items...would it cover something like Liver Shunt. I am concerned that my area has higher prices than other areas and so will not be reimbursed any where near what I am paying in my area. OKW on your insurance site it does not say it does not cover vacines so I am confused.

I would really appriciate the help, as I am going to purchase one of these so that while I am out of work I don't have any surprises that I can't handle.

Thanks guys....really do appriciate it.

S
 

·
Registered
Joined
·
2,319 Posts
Originally posted by Teddyandme@Nov 9 2005, 05:14 PM
K & C, and OKW,

Could you please tell a bit more on each of your insurance.  I did go to both sites and it seems that K&C is the cheaper one but, I notice you said it does not include heriditary items...would it cover something like Liver Shunt. I am concerned that my area has higher prices than other areas and so will not be reimbursed any where near what I am paying in my area.    OKW on your insurance site it does not say it does not cover vacines so I am confused.

I would really appriciate the help, as I am going to purchase one of these so that while I am out of work I don't have any surprises that I can't handle.

Thanks guys....really do appriciate it.

S
<div align="right">index.php?act=findpost&pid=118451
[/QUOTE]

Susan,

Petcare has different plans and we have the petcare Goldcare I think. It was the most comprehensive one and we pay about $30 per month. I am pretty sure it doesn't care preventative things like vaccines but it coves accidents and illnesses. Here is a list of things that have been covered 100% for us and we have gone to different vets so vet prices don't seem to matter at all:

Ear infection (very long lasting one which required 3 different visits and antibiotics)
UTI (urine culture, antibitics, everything was covered multiple times)
Skin rash, skin infection
Allergies
Conjunctivites
Torn off nail (emergency vet visit)
Being bitten by a bee (emergency vet visit)

You can see how badly we needed this pet insurance. It gives us a peace of mind and we don't hesitate in going to the vet any time we need to. It will not cover pre-existing conditions that were diagnosed before getting the insurance (which the luxating patellas were for us) but I think it will cover genetic conditions. We think its AWESOME!! The insurance has well paid for inself. I highly recommend it.
 

·
Premium Member
Joined
·
21,482 Posts
Originally posted by Sassy's mommy+Nov 9 2005, 02:59 PM-->
<!--QuoteBegin-Kallie/Catcher's Mom
@Nov 8 2005, 10:04 AM
I have Veterinary Pet Insurance (VPI) and I've been pleased. I opted for the plan that pays a portion of a wellness check up. I got a check for $150-ish  from them after Catcher's last check up. When I have a chance I'll post the actual bill and then what they paid.

I am not the type of person who does well with a savings plan. I am a spender, not a saver!!  
  So, this gives me peace of mind. I have the complete policy including cancer, etc. for both K & C. I got a couple bucks off for having two and the price is about $30 month average for each of them. So if it is $360 a year and they've already paid me $150-ish for the wellness check, it is well worth it.

BTW, they don't cover hereditary things such as luxating patella, which is often an issue with Malts.
<div align="right">index.php?act=findpost&pid=117898

I wonder if they pay for Patella surgery if it is caused from an accident?
<div align="right">index.php?act=findpost&pid=118349
[/B][/QUOTE]

Hmmm, that's a good question. I'm not sure.
 

·
Registered
Joined
·
2,319 Posts
Originally posted by Sassy's mommy+Nov 9 2005, 11:59 AM-->
<!--QuoteBegin-Kallie/Catcher's Mom
@Nov 8 2005, 10:04 AM
I have Veterinary Pet Insurance (VPI) and I've been pleased. I opted for the plan that pays a portion of a wellness check up. I got a check for $150-ish  from them after Catcher's last check up. When I have a chance I'll post the actual bill and then what they paid.

I am not the type of person who does well with a savings plan. I am a spender, not a saver!!  
  So, this gives me peace of mind. I have the complete policy including cancer, etc. for both K & C. I got a couple bucks off for having two and the price is about $30 month average for each of them. So if it is $360 a year and they've already paid me $150-ish for the wellness check, it is well worth it.

BTW, they don't cover hereditary things such as luxating patella, which is often an issue with Malts.
<div align="right">index.php?act=findpost&pid=117898

I wonder if they pay for Patella surgery if it is caused from an accident?
<div align="right">index.php?act=findpost&pid=118349
[/B][/QUOTE]

I think that Petcare would cover it but prior to enrolling the dog they request vet records from the time that the dog was a puppy. I am not sure what they do if you just adopted a dog?? But either way, if the regular vet you were seeing never documented a luxating patella then our insurance would cover it. Unfortunately for us we decided to get the insurance after miko was diagnosed. We could have still gone to another surgeon since the regular vet didn't know about his knees
but I wanted the first surgeon we saw since they were well known specialists in the area (nothing but the best for our baby
).
 

·
Registered
Joined
·
7,486 Posts
Olga,
You can go to any vet? So far Sadie and Sassy haven't been diagnosed with anything, so I guess it wouldn't be too late to enroll them....
 

·
Registered
Joined
·
2,319 Posts
Originally posted by msmagnolia@Nov 9 2005, 10:14 PM
Olga,
You can go to any vet?  So far Sadie and Sassy haven't been diagnosed with anything, so I guess it wouldn't be too late to enroll them....
<div align="right">index.php?act=findpost&pid=118535
[/QUOTE]

Susan,

We have been to different vets in Nashville, Los Angeles, Santa Barbara and Palo Alto and they have all been covered. You do need to fill out a very simple claim form for each visit but its definitely worth the hassle for me since our funds are very limited at this time in our lives.
 

·
Registered
Joined
·
1,597 Posts
Olga,

Thanks for the information - in doing research it seems that you and KC have the best plans and I just wanted to see the difference between them. I did a price quote on both plans and PetCare Gold is priced at 35.95 for 100% coverage up to $3000 per Catagory - they do have a bigger policy that covers up to $6000 per category and I am torn on getting this because it seems that some things may be more than the $3000.

VPI Insurance is $31.95 per month but I would also be able to get a multiple pet discount of $8.10 if I include my daughter's dog. This price includes Cancer Care as well. But and this is my question to KC - it only covers 90% of the pre-determined value of a test or procedure. I wonder if this is lower than it should be or is actually around the amount of the procedure's the doctor actually charges.

Thanks for your help with this - I truly appriciate it.
 
1 - 17 of 17 Posts
This is an older thread, you may not receive a response, and could be reviving an old thread. Please consider creating a new thread.
Top