Pet insurance

Talked to my wife and we use ASPCA. They offer several different plans. Ours is $56/month with a $500 deductible. After the deductible they pay 90%, with max yearly out of pocket of $10k. Our plan does not cover checkups, but does cover his monthly allergy shots which total over $500/year. Rates go up annually based on join date, not on calendar year.
 
I’m guessing you have a lab also based on your picture.

If you take insurance at your practice, is there any companies that you would recommend or ones that you would stay away from.

Also, in your opinion, what would you recommend as a safe amount for an emergency fund?
Insurance is to reimburse you, they don’t take it in the same way medical would.
 
Curious if anyone here has ever tried feeding their dogs a fresh cooked simple diet their entire life? I'm wondering if it's a money saver to do that instead of pet insurance.

It is a lot of time but I don't have kids so I can make it work so far. Our hope is that it extends their life and lowers medical bills. So far it definitely eliminated itching/allergies from the first six months when they were constnatly itchy, eye goobers, running nose eating regular dry and wet dog foods of which we tried several.

Our base is usually quinoa/rice grains, some squash, table spoon of bone meal, table spoon of vitamin/joint health compound, mix in some veg that are dog safe like carrots/broccoli sometimes. Then we add about half protein rotating between ground beef, roast chicken and cod/salmon whichever we can find better deals on. No seasoning on any meat. For snacks I make batches of dried sweet potatoes and give them chicken organs/necks or for training tiny pieces of bacon (only takes a spec). They probably eat healthier than I do.

The time is a pain, no lie, and if I was taking care of young kids or had my old 2-3 hour commute I couldn't do it. It costs a lot more than kibble but really not much more than the higher end wet dog food which we were already buying trying to keep their allergies in check unsuccessfully...which is why we said we might as well try making their food.

I've had the two dogs (husky german shepherd mix) about two years now and they are very healthy and I'm on the fence over pet insurance myself and probably going to quote the companies people mentioned here.
My brother in law has given his dogs a steady diet of fresh cooked food (not sure if it is every meal). Mainly chicken and rice. His two previous dogs both lived to about the average age for their breeds.
 
I ended up going with nationwide pet insurance and their $100 annual deductible and 80% coinsurance for $73.78/month premium.

Does anyone know if theses insurance companies have a set fee schedule for the vet cpt procedures?
 
my dog is so picky with his food, I have been giving him an egg a day. Usually scrambled. Sometimes hard boiled. Also he loves sweet potatoes.
 
Just found out our golden tore an ACL. **** me
That seems like a common injury for a lot of dogs, and interestingly enough a lot of insurance companies are vague on whether they cover it. My nationwide policy doesn’t cover it unless I upgrade to the top tier plan and pay out the nose for monthly premiums.