Originally Posted by
Woofie
Oh, believe me, I've been searching for days, reading this & that. I'm pretty sure I'm going to go with Embrace; they seem to really "care" about these older guys.
Price point in Pet plan, I can't imagine any owner of a new pet wanting to enroll on their newly offered plans, they're horribly expensive - like $27/mnth for only $1k annual payout - I mean, come on, why would you bother??
My dogs are not your typical house pets, we lead a VERY active life, camping, hiking, & play extremely rough, also like to swim - so I'm very paranoid of being without insurance. Never know when an injury could happen to one or both dogs simply by playing.
Our vet costs around here are not going to go down any time in the future either. I'm not in a hugely expensive area - but a shattered leg could easily run into the upper $5k range. Case in point is our 1yr old pomeranian - from a reputable breeder - didn't show any signs of luxating patella issues until just recently.
We put her on insurance immediately after getting her at 10wks of age, so she should be covered 100% - the cost for just ONE leg is $3k dollars. And there is no way around it, she has to have surgery for quality of life issues - she wants to be just as active as the 2 older pups & cries because she can't hardly move.
But yes, I agree, it's one of those - now that you have it - you're paranoid to go without!!