Puppy Wellness Plan

Discussion in 'English Mastiff' started by Zee, Sep 14, 2020.

  1. Zee

    Zee New Member

    Hello all! I'm brand new here with my first EM arriving in a week. I wanted to see who everyone is using for their puppies for wellness plans. Did new owners carry both wellness plans and pet insurance? Perhaps there's advice for one over another. I've been researching and it always says its up to me but I wanted to ask the general community. Its a pure bred pup with clear health from the parents as well... any advice is appreciated!
  2. Loverboy Skyline

    Loverboy Skyline Well-Known Member

    When I completed the owner's registration for my puppy, I noticed the AKC website directed me to their puppy health plans. They looked reasonable, but I declined. My experience has been that vet bills are always lower than medical doctors bills because they aren't nearly as regulated as the healthcare system we have now, which is another topic of heavy debate in recent years. You also have other options with dogs. The truth is if your dog is 9 years old and has cancer or something, putting him down is probably the most prudent option. If you want to pay for chemo, that's your choice, and I won't argue with that one bit.

    For general wellness, your choice of vets is important. Personally, I have a holistic vet because I believe most vets give too many shots and every time you come in for something they sell you some meds whether or not it's necessary. Not everyone thinks this way, and if you ask the same question to 10 different vets you might get 10 different answers. You should find a vet whose philosophy aligns with yours.
    onyxbfly likes this.
  3. Smokeycat

    Smokeycat Well-Known Member

    I do have pet insurance for Kryten and it has been a god send. He has elbow dysplasia and what the insurance has saved me on his vet bills has far exceeded the premiums for both him and my other dog. You will hear that people think that insurance is a waste of money and should put the money in a savings account instead but to be honest you WANT all insurance to be like that. It means everything is good. And a savings account only works if the money is already there. For me the piece of mind is why I chose to keep the introductory policy my vet gave with the new puppy package.
  4. Bailey's Mom

    Bailey's Mom Super Moderator Super Moderator

    Well, for us, it was the teaching moments of my daughter's struggles with her Rottweiler. Both hips went...two operations. I helped with the first one, covered costs they couldn't. After that, she bought insurance, but there was still limited insurance for the second occurrence. Her second dog was fully covered with a premium package.

    These large dogs are VERY EXPENSIVE when things go wrong...AND, they always go wrong. So, unless you are a VERY DISCIPLINED INVESTOR, I would avoid the savings plan. Most people aren't that disciplined, and, as Smokeycat pointed out, having a savings plan that isn't built up prior to injury, is just a waste of time.

    I met an individual in my city who has two Great Danes, and she and her husband, both very disciplined investors, have VESTED a TFSA account with a substantial amount of money to offset any potential medical bills. BUT, they started with money, they didn't have to save it up. And as she told me, they get to keep the interest from that investment, and they get to keep the money when and if the dogs pass on or if they don't replace their dogs. So...it's nice to be wealthy! Most of us aren't, and insurance is a Godsend.

    There is nothing worse when standing in front of your Vet and the news is dire...your emotions are running high, and suddenly you have to weigh whether you can save your beloved pets life or pay the mortgage. Credit cards are wonderful, but, unless backed up by insurance they can become a millstone around your neck.

    When Bailey became ill, the Emergency Vet came and talked with us, laying out the possibilities and what they could do. I had a rush of relief to say, "We are insured...do everything. Run every test. No limits." It Was Very Empowering.

    I never invested in a Wellness Package, and I know very little about them. Just another bill for me to pay, I guess. And we had our regular visits, vaccines, etc., It just felt over the top.... But Insurance...especially one with high values (the cost of hip and elbow operations or chemo), so worth it. Don't wait for a problem to come up and then bolt the door. No, get coverage from the start.

    Word to the Wise: We rewrote our coverage to increase it, and all Bailey's previous problems then became exempt from coverage for a number of years. She had an impacted nipple from her heat cycles, and we had them cleaned out twice. We had her spayed at just over two years, and the problem never reoccurred, but, anything to do with her reproductive organs...including her nipples and surrounding tissues were exempt from coverage for over two years. And then we had to apply t0 have those restrictions removed.
  5. sjdavenport

    sjdavenport Well-Known Member

    Get the insurance, and get it now while your pup is still young with no pre-existing conditions that will be excluded from your coverage. These are expensive dogs, and when they have a health issue, it gets expensive quickly. I'm a vet, and even with my discounts, I still pay a small fortune for specialty vet care.

    For my 3 year old female cane corso, I have Trupanion with a $500 deductible and 90% coverage. They paid $3400 out of a $4000 bill for shoulder OCD surgery, $2500 out of a $3200 for a TPLO (knee surgery), $1500 out of $2900 for a combo spay/gastropexy/vulvoplasty (only the vulvoplasty portion was covered, the others were considered elective), and $2800 out of $3500 for TPLO #2. They also covered her rehab, supplements, and ongoing medications. So I'm happy.

    For my 6 year old male corso, I have Petplan, and all told, they have reimbursed me for almost 12,000 dollars in the past 2 years for various issues. He is also on about 10 dollars worth of medication per day, which is covered.

    So yes, I recommend insurance!

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