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We are getting a Labrador puppy soon and are wondering if pet insurance is a worthwhile investment. Our last Lab lived to 14 and thankfully didn’t have major health issues until the very end. However, with a new puppy, we’re considering being more prepared for unexpected vet bills. For those of you who have pet insurance, especially for Labs or puppies, has it been a good financial decision for you?
I had Spot for my cat and had a $1200 vet bill in December. I submitted a claim and received my reimbursement within two weeks. Being specific about why I brought my pet to the vet and how it wasn’t preventative care seemed to help with the process.
I have Healthy Paws for my little skipper who has bone cancer. We’ve submitted around $28,000 to $29,000 in claims, and they have paid back roughly 73%, which is close to the 80% reimbursement I’m supposed to get after the deductible. It’s been a significant help with his ongoing treatment.
I tried Spot for my puppy’s spay, which cost $750, and they only covered $150. Also, a lot of standard vaccines weren’t covered under my plan. Based on this experience, I found their coverage to be inadequate for routine care.
I have Healthy Paws for my Lab, and he gets allergy shots every 7 weeks. We have a $250 deductible, and Healthy Paws reimburses us 80% after that. It also came in handy when he had gas and minor pancreas issues.
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