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Should I Get Pet Insurance? A Must Have For New Dog Owners Or A Waste Of Money - YouTube

Channel: How To Train A Dream Dog

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If you’re tuning into this channel, you've probably got a puppy, or maybe one on the way?

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You’re in the right place because I talk about all the great puppy topics,

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like potty training, crate training, and even pet insurance.

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Yes that’s right I’m going to be sharing my tips for picking a pet insurance

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plan that’s best for you and your pup

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It may not be something you’ve considered before but I’m here to tell you all about

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some of the things you might want to know about this important decision.

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Before we begin be sure to hit that subscribe button

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so you don’t miss when the next video goes LIVE

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Michele here with HTTADD….

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You might think pet insurance is a relatively new thing, but in fact, it’s been around awhile.

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The first pet insurance policy was written in 1890 and it focussed on horses and livestock.

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The first policy in the USA was written in 1980 and was for the dog who played Lassie on TV!

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But lately, you’ve probably heard of it a lot more.

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As people are realizing the high cost of veterinary care

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and their desire to have their pets healthy and happy for a lifetime, it just makes sense.

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It’s much more popular in other countries like Sweden and Britain,

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but here where I live, the USA, it’s starting to really become more common.

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I used to work in a vet’s office and it was heartbreaking when an animal would come in

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who needed some kind of expensive treatment to prolong his/her life.

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The owner was faced with a tough decision of whether to pay for the treatment

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or to put the dog down.

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This is a terrible choice and most people try to avoid it

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if at all possible. Insurance can really help you with that.

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We talk about vet care being expensive, but do you know HOW expensive?

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This is a good thing to know even before you decide to get a dog.

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I know what you’re thinking “Michele, we’ll be careful. I won’t let my dog get hurt”.

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Well, I’m glad to hear that,

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and I have a whole 3-part series on how to help make sure your dog stays safe.

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You can watch episode one here

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But something as simple as going down steps, or jumping off the couch,

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or even running to fetch a ball could result in an accident.

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It’s just that - an accident! And accidents DO happen. Pretty often actually.

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If a dog breaks his leg, Vetary.com says the costs could be anywhere from $1,200 to $3,000,

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but the national average is $2,000.

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The average ACL repair surgery cost for a dog will range anywhere from $1,000 to as much as $5,000.

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My vet wanted $2800 for my dog’s ACL repair.

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My friend who was going to another vet said her dog’s ACL repair was closer to $4,000.

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Cataract surgery can range anywhere from $1,400 to as much as $3,900 for both eyes.

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And you know that advice I always give about not putting bedding in the dog’s crate

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until they are well past the chewing stage?

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Well, an endoscopy - just to check to see if there’s something obstructing your dog’s

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airway - will cost you anywhere from $800 to as much as $2,000.

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That’s a lot of benjamins. And we haven’t even talked

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about how much it would cost to remove that item.

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Someone in my Facebook group Puppy Training with Michele Lennon,

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posted the other day about her dog swallowing her diamond earring.

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Now that’s TWO reasons to get that thing out of there - for

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the health of the dog AND to get the earring back.

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It showed up clearly on the x-ray and she was lucky that it passed on it’s own. But

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a student of mine was not so lucky when her dog ate her child’s pacifier

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and it had to be surgically removed for over $3000.

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So I think I got your attention there. Even with fluctuations in different regions of the country,

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vet care is just plain expensive.

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Pet insurance can cover all or part of a procedure,

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effectively saving the life of the animal and at a much lower cost to the owner.

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Needless to say, I recommend it for every pet owner,

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just like health insurance is good for humans.

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Let’s talk about where to get it. You might have tuned into

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this video to hear which company I recommend.

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Well, I’m sorry but I can’t tell you that, and here’s why.

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It will depend so much on YOU and what YOUR situation is.

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I don’t want to just tell you which one is the best because

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there are so many variables when it comes to picking the right company.

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But I have some tips for you on how you can decide which one is best for you.

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Before you start searching google for pet insurance options,

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I recommend you make two phone calls.

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First, call your vet’s office. They might have a company that they prefer,

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or one they haven’t had a great experience with.

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But the other thing to ask your vet is about any puppy wellness plans they offer.

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Sometimes a vet clinic has a plan for new puppies that includes all vaccinations,

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maybe a number of office visits,

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sometimes a few lab tests and even a discount on spay or neuter surgery.

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Every vet’s office will be different but most of the time this puppy package is a great deal!

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It might be something that you use in addition to pet insurance,

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or maybe you use the vet’s plan first and then the pet insurance comes later.

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That’s all part of the research process you’ll want to do when you are faced with this decision.

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The next call I suggest you make is to your insurance agent you use for your home or your car.

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Yes, you heard me - your normal insurance agent might be able to help you with this decision!

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They might have a company they recommend or even a discount if you bundle this

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insurance with your car or home or renter’s insurance.

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And sometimes having an advocate like an agent who can work on your behalf

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can help in the event of a disagreement about a claim.

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This may not be the case in your area, but it’s worth a try.

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Ok, now that you’ve done that research, it’s time to dig into the research on the actual companies.

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A quick google search will give you some results on the big companies, like Trupanion,

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Embrace or Pumpkin.

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Take some time to fill out some of their preliminary info.

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In order for them to give you a quote, you’re going to have to tell them about the age,

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breed, gender of your pup, and any kind of pre-existing conditions that they may not cover.

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Just note almost all of them will not cover pre-existing conditions.

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In all my research I didn’t find one that did.

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When you get your quote from the different companies, you’ll want to evaluate a few

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different things to determine which one works best for your situation.

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All pet insurance plans have a deductible - but some of

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them are per year and others are per incident.

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That can affect the monthly cost,

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so evaluate those figures and your own budget to see what is the best fit.

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The other thing to figure out is the billing.

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Some companies will reimburse you for what you have already paid to your vet.

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That might mean you have to pay several thousand dollars or more FIRST and then get reimbursed.

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Will that work with your budget? If so, that might make your monthly cost cheaper.

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Other insurance companies might pay your vet directly,

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which means you pay the deductible and the vet and the insurance take care of the rest.

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Maybe with your budget,

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that’s a better fit. It’s an important difference so evaluate that carefully.

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Finally, look at the cost of the insurance

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per month or per quarter and see what works best for you.

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So you see, there are a lot of factors that go into pet insurance and figuring out which

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one is right for you. I hope I’ve made this decision just a little bit easier for you.

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Now before I share my last tip with you be sure to hit

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that subscribe button so you never miss when another lesson goes LIVE

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OK, You know what insurance won’t help you with? The cost of puppy supplies - and training!

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There are a lot of costs associated with having a new puppy and you’ll want to

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be well prepared before you get one, if you don’t already have him or her!

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Check out this video for some great ideas on what you might need and once that furball comes

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home and he starts acting in ways that you don’t understand… well I’ve got you covered there too.

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After all, training can really help you reduce the number of vet visits.

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You heard me say earlier that when your dog eats something

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they shouldn’t it can cost you into the thousands.

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Training your puppy not to jump on people or soar

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off the couch and tear an ACL can also save you thousands.

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Believe me I see this happen way too often!

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My online puppy training program - 30 Days to Puppy Perfection - will guide you through

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all those tough times and help you train your puppy to have good manners on a leash,

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How to meet and greet guests nicely,

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bite the appropriate object, go potty outside AND so much more.

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When you know the tips to successfully train your puppy you can rest assured they will come

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when called instead of running off into the road where danger comes screaming by on 4 wheels.

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I can’t tell you the number of people who have called me over the last 20 years as a trainer

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desperately needing their pup to come on cue because they snuck out the front door

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They raced down the street and some even told me about

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past dogs that got hit by cars and didn’t make it

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They wanted their new pup to have better manners and reliability than their last pup

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So you’re definitely going to want to check out more information about the

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online course I offer in the description below.

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Because ultimately it can save you on emergency

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vet visits or even keep your house from getting chewed up!

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In the comments below, tell me if you already have your puppy or

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if you’re just researching for the future.

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And tell me where you’re tuning in from! I always love to see where our viewers are watching from!!

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