My dog just turned 8 and her insurance with Pets Best doubled. Where I’m at financially is not great; I’m just able to get by with my existing bills. Part of why I have pet insurance is for the chance something terrible happens, like a broken tooth or torn tendon or whatever may happen. She’s healthy, has allergies, but they’re not on her med record as far as I know. I’m just trying to debate if I should set the money aside each month for an emergency fund for her, rather than pay the insurance fee. My fear is something will happen before I have a good savings, though I usually try to have $1000 emergency money for pet or car stuff. I’m not quite there yet at the moment. I have decent credit, so if something happens I’m sure I can do a payment plan of some sort. IDK, I’m just wondering if it’s worth it anymore at the price they’re expecting. My 3-year-old dog is clumsy as hell, so I’m keeping his insurance. I just know there’s going to be a day he falls the wrong way and tears a tendon or something, haha! Any advice is really welcome; I’m just so broke these days and I really want to find the best option that ensures my pup can get the treatment she may need in an emergency.
It’s tough when insurance costs keep rising. Have you thought about looking into other insurance providers? Sometimes switching can lead to better rates.
Luca said:
It’s tough when insurance costs keep rising. Have you thought about looking into other insurance providers? Sometimes switching can lead to better rates.
I haven’t really looked into other providers yet. I guess I should start comparing options.
Setting up an emergency fund sounds like a solid plan. Just make sure you can access those funds quickly if needed. Maybe try to save a little each month?
Charlie said:
Setting up an emergency fund sounds like a solid plan. Just make sure you can access those funds quickly if needed. Maybe try to save a little each month?
Yeah, that’s what I was thinking. I just worry about not having enough saved up in time.
@Reagan
Totally get that. Maybe aim for a smaller goal first, like $500, and build from there?
Have you considered looking into local veterinary clinics? Some may offer payment plans or discounts for loyal customers. It might ease your worries if something does happen.
Vesper said:
Have you considered looking into local veterinary clinics? Some may offer payment plans or discounts for loyal customers. It might ease your worries if something does happen.
That’s a good idea. I’ll ask my vet if they have any options like that.
I had a similar issue. I switched to a less expensive plan that still covers the essentials. Insurance isn’t always the best route as pets age.
Cruz said:
I had a similar issue. I switched to a less expensive plan that still covers the essentials. Insurance isn’t always the best route as pets age.
I’ll definitely look into that. I want to make sure she’s covered without breaking the bank.
I get it; my dog is also a bit of a klutz. Maybe keep the insurance for your clumsy pup and just set aside what you can for the older dog. It’s a balance.
Tate said:
I get it; my dog is also a bit of a klutz. Maybe keep the insurance for your clumsy pup and just set aside what you can for the older dog. It’s a balance.
That makes sense. Keeping both options open might be the way to go.