He's at an Animal Hospital =[

[TheGoldenCorgi]

Originally Posted by Philbiker

I've had pet insurance and IMO it's a big rip-off. I would advocate against it. In the years we insured Newman we consistently paid out MUCH more to the insurance company than we receieved in reimbursement for veterinary services. The premiums were very high and the coverage was virtually nothing. Turnover was months between when we filed our claims and when we got our pitifully small checks. We used VPI, it's possible that just VPI is a rip-off (google "VPI"+"rip-off" and you'll get a million hits) and it's not the whole industry.

It's a racket IMO. Greedy companies preying on people who love their pets. You'll do a lot better putting the $40 or whatever per month into a savings account for vet bills.

Back to the eye thing.... I haven't had that happen to a dog, but it happened to me when I was about 4 years old. Very uncomfortable, I had to have emergency eye care. I don't think they had to cut anything but I remember I felt much better even very shortly after they removed the debris.

my vet had recommended VPI to me too. So you would totally recommend not applying for it? its about $19 a month. I didn't think it was too bad.

[KJohnson]

I was told by my vet that it is a much better investment to set up a separate savings account and just put the money you would be spending on insurance into it. That way you always know how much you have available to you and in the event you have an "emergency" you never have to worry about insurance not covering it.

[Michael Romanos]

There are only two dog insurance schemes in New Zealand and one of them is better than the other if you make very careful comparison of them, but either scheme is very good and easily endorsable. Within each insurance scheme are several options.

I believe that VPI in the USA has a good reputation and comes with recommendations from many vets.