Pet Health Insurance

June 14, 2019

**THIS POST IS NOT SPONSORED BY HEALTHY PAWS. WE PURCHASED HEALTH INSURANCE FROM THIS COMPANY ON OUR OWN.

 

 

Do I need to get health insurance for my dog? What's the cost? Will they reimburse all my future claims? Is it worth it?

 

These were some of the questions I asked myself before I purchased health insurance for Anmitsu. It's important to conduct a thorough research when comparing companies. In the event of an emergency, the insurance company reimburses the cost of the veterinary care, after the deductible. Sometimes emergency can range from a few hundred dollars for a minor procedure to $13,000 (how much my cousin paid out-of pocket for her little chihuahua when he was 7 years old...now 13 years old). To this day, we tease her that she's carrying 6 Chanel handbags (she loves Chanel).

 

Anmitsu was 9-weeks old when we enrolled her with Healthy Paws (refer code included).

I had asked other dog owners what they did to ensure their dog's health and wellness. Some pet owners shared that they created a savings account for their dog in case of an emergency, others had purchased health insurance, and some just winged it. My family was part of the latter club with our first two dogs. We just winged it. Why worry about the future? We figured if something happened, we will deal with it. However, when Thunder was diagnosed with a heart condition at the age of 11...I realized that the cost of treatment quoted by several doctors was almost the same as if we had initially purchased health insurance from when he was a puppy. That finding was difficult for me to swallow. Because when you have a dog for that long (over a decade), the bond that you create is undeniable. In the end, we alleviated the pain he was in, but he did not receive the full treatment that he could have. Having been through that, I had a new outlook on pet health insurance. 

 

Regardless of the policy, insurance plans should include coverage over accidents, illnesses, diagnostic tests, hospitalization, emergency care, prescriptions, and surgery. Most pet insurance does NOT cover routine cares such as check-ups, vaccinations, and spaying/neutering.

 

Pet insurance works in much the same manner as it does for people, with a monthly fee for coverage. With healthy paws, a purebred Frenchie costs $56 a month (depending on age and other factors). A mixed/cross breed $16-30 a month. When choosing a pet insurance provider, it is always best to research each company’s specific coverage, including its limits, exclusions, waiting periods, and stipulations.

 

French bulldogs, and bulldogs in general, are notorious for health issues as they get older.The cost for some of these health issues are in the thousands. We have seen some of our favorite frenchies on instagram fundraising to cover this cost. And pet owners are unprepared when their pup becomes ill. It really does sneak up on you... my mother says dogs are some of the most "gaman" creatures, which in Japanese means enduring the seemingly unbearable with patience and dignity. They won't display pain until it's really bad. So it's a surprise to dog owners when they take their dog to a vet and discover that their pup has a fractured spine or a severe illness.  

 

If you do decide to take out an insurance plan, try and choose one for your pet as soon as you can. As they age, there is an ever-increasing risk of chronic illness or a genetic disease manifesting itself. If these should occur before the the policy’s start date, they’d be excluded from coverage. Also as your dog ages, the cost of insurance increases and this is the same for ALL pet health insurance companies. 

 

I chose Healthy Paws because it has some of the best reviews by other dog owners. I heard other insurance companies will argue with their customers when they make a claim (such as Nationwide Pet Insurance who argued that the condition was congenital and NOT covered by their policy).

 

Healthy Paws has an easy app to file all claims. There is no annual or lifetime caps on payouts, great customer service, and reasonable premium prices. I have so far been extremely happy with them. Luckily, Anmitsu is very healthy so I have NOT submitted a claim. But I am happy to know if we need to in the future, I am prepared to the best of my abilities. 

 

 

 

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