Pet Insurance - seems good to me!

[Mavis]

We have a ten-week old puppy. I've never had health or wellness insurance on any of our dogs, including our adult frenchie who just passed. I reviewed one plan, Nationwide Health and Wellness and it is $71/mo. Seems like a good deal to me, considering what it covers! Can anyone share their thoughts, experience and plans? Thank you.

 

[Rusty’s Owner]

We have a ten-week old puppy. I've never had health or wellness insurance on any of our dogs, including our adult frenchie who just passed. I reviewed one plan, Nationwide Health and Wellness and it is $71/mo. Seems like a good deal to me, considering what it covers! Can anyone share their thoughts, experience and plans? Thank you.

I have PetSecure plan 3 and pay $97 a month and it covers $5,000 per illness per year(this is my first time with pet insurance) and they have been great. 80% back they pay(no coverage for neuter or preventative care), but I take him to the vet twice a year and do bloodwork and urine check, they cover it. He also has had his soft palate surgery and nostrils opened. If you go thru them, make sure there is no notes from your vet saying he has closed nostrils or they won’t cover it.
Get the pre approval before he shows any symptoms. They will want the medical records to look for pre existing conditions.

I had to get a “pre approval” for the airway surgery, and allergy testing same thing.

They don’t cover those heart worm meds, vaccines, flea and tic meds or neuter though.

 

[CutieFrenchie]

We had NationWide Major+Wellness iirc when we got Charlie. It was their scheduled coverage and inexpensive. Like $50-60 a month. It didn't cover her spay though. Had no problems with them. Even got a cute little magnet calendar with Charlie on it I think for Christmas.

When the 1 year mark got closer, we started looking at other options. Our main concern is serious injury, such as IVDD and such. We found Embrace.

$30,000 max per year
90% reimbursement
$750 deductible
1st year with Embrace was about $78. Just renewed this month and it's gone up to $93 a month.


Our relationship started a bit rough with Embrace. We got a letter starting they would not cover any future diagnosis of lumps and/or cancer in Charlie as it's . They based this going over the Vet's reports from the previous year. They saw how she was examined for a pimple on her vulva and a bump on her rectum. It was literally a pimple. Maybe ingrown hair. Either way, cleared right up. And the "bump" we saw was just the fold of the skin of her butthole according to the vet .

Well according to Embrace, since they didn't do a biopsy, they'll just consider any growth as pre-existing and won't cover it. We had to appeal their findings. Have our vet write a followup statement on what the original diagnosis were and any current findings from the most recent exam where there were 0 issues or concerns. Fortunately they accepted and over-turned the pre-existing exemptions.

To Embrace's credit, at least they told us up front about the exemption instead of finding out the hard way.

We also have their Wellness addition. Costs comes out to $225 year for $250 in coverage. Covers flea meds and grooming. So basically free $25 a year for us guaranteed.



Now we may have stayed with Nationwide if we knew about their other plans. When we signed up, it didn't have a "Whole Pet" plan. Just Major or Major+Wellness iirc. So i thought they only had the schedule payment at the time. I just checked their website again. If you list your dog under 1 years old, no option for Whole Pet. 1 or older, it has the option. Max of only $10K @ 70% though. I believe I read somewhere if you call in, there are actually more options.

$750 is a high deductible. So we haven't been reimbursed for squat on anything this past year that wasnt part of the Wellness plan. I think we spent $400 for the year on exams or concerns. It all went towards the deductible though.

 

[Mavis]

I have PetSecure plan 3 and pay $97 a month and it covers $5,000 per illness per year(this is my first time with pet insurance) and they have been great. 80% back they pay(no coverage for neuter or preventative care), but I take him to the vet twice a year and do bloodwork and urine check, they cover it. He also has had his soft palate surgery and nostrils opened. If you go thru them, make sure there is no notes from your vet saying he has closed nostrils or they won’t cover it.
Get the pre approval before he shows any symptoms. They will want the medical records to look for pre existing conditions.

I had to get a “pre approval” for the airway surgery, and allergy testing same thing.

They don’t cover those heart worm meds, vaccines, flea and tic meds or neuter though.

Thank you. I am a little confused about his nare and palate surgery. They covered it when he wasn't diagnosed as needing it? Did they consider it preventative? Thank you.

 

[Mavis]

We had NationWide Major+Wellness iirc when we got Charlie. It was their scheduled coverage and inexpensive. Like $50-60 a month. It didn't cover her spay though. Had no problems with them. Even got a cute little magnet calendar with Charlie on it I think for Christmas.

When the 1 year mark got closer, we started looking at other options. Our main concern is serious injury, such as IVDD and such. We found Embrace.

$30,000 max per year
90% reimbursement
$750 deductible
1st year with Embrace was about $78. Just renewed this month and it's gone up to $93 a month.


Our relationship started a bit rough with Embrace. We got a letter starting they would not cover any future diagnosis of lumps and/or cancer in Charlie as it's . They based this going over the Vet's reports from the previous year. They saw how she was examined for a pimple on her vulva and a bump on her rectum. It was literally a pimple. Maybe ingrown hair. Either way, cleared right up. And the "bump" we saw was just the fold of the skin of her butthole according to the vet .

Well according to Embrace, since they didn't do a biopsy, they'll just consider any growth as pre-existing and won't cover it. We had to appeal their findings. Have our vet write a followup statement on what the original diagnosis were and any current findings from the most recent exam where there were 0 issues or concerns. Fortunately they accepted and over-turned the pre-existing exemptions.

To Embrace's credit, at least they told us up front about the exemption instead of finding out the hard way.

We also have their Wellness addition. Costs comes out to $225 year for $250 in coverage. Covers flea meds and grooming. So basically free $25 a year for us guaranteed.



Now we may have stayed with Nationwide if we knew about their other plans. When we signed up, it didn't have a "Whole Pet" plan. Just Major or Major+Wellness iirc. So i thought they only had the schedule payment at the time. I just checked their website again. If you list your dog under 1 years old, no option for Whole Pet. 1 or older, it has the option. Max of only $10K @ 70% though. I believe I read somewhere if you call in, there are actually more options.

$750 is a high deductible. So we haven't been reimbursed for squat on anything this past year that wasnt part of the Wellness plan. I think we spent $400 for the year on exams or concerns. It all went towards the deductible though.

Insurance can be a crap shoot. So many variables. I think I'll capture all of my questions and give them a call.

 

[Rusty’s Owner]

Thank you. I am a little confused about his nare and palate surgery. They covered it when he wasn't diagnosed as needing it? Did they consider it preventative? Thank you.

So he actually came home from the breeder with the pet insurance trial, which when the 6 week trial was done, I continued and chose plan 3. $100 deductible a year I forgot to mention.

Rusty was checked at the breeders vet and the day I took him home, had to get a vet exam(this is a policy for a lot of breeders to make sure they have no health issues).

So since there was no pre existing conditions they cover whatever health issues come up. For example he had allergies at 5 months and he is 3 still with allergies and that was not a pre existing conditions so they covered it, I did have to call asking if they would cover cost for him seeing a dermatologist and the immunotherapy injections to help allergies.

For the Soft Palate and nares:

Vet did the neuter surgery and took photo of throat, palate was longer than it should be, this was at 6 months old, not pre existing because his nostrils we’re fine and no symptoms yet if needing surgery on palate.
About a year old and he needed another surgery for viral growth, he was showing signs of needing surgery, I asked them to please take photos of palate as he is showing symptoms.
About age 2 years old, nostrils a bit narrower, but not closed and he was showing ALL the signs of needing surgery for palate. I called pet insurance asked for a pre approval, the questions they asked were:
When did he first show signs of needing it
When will surgery be
What clinic is doing it
Will the surgery help
And what is the approximate cost.

They asked for medical records, vet sent it, they said it’s NOT considered pre existing because I had the pet insurance BEFORE he showed any signs, so they will cover it.
We were quoted $6,000 which was fine.

The vet told us to wait until spring as he just turned 2 but after a month things went sideways and he literally could NOT play for 5 minutes or go for a 5 minute walk, he tried to play with my other dogs and got overheated pretty much and he fell over on his side(he never does this). Coughing/choking after eating and drinking and walking around constantly panting and reverse sneezing, he snored SO loud waking me up cause it was so loud. He has never snored before.
I took him to my vet(they have a lot of Frenchie and bulldogs that come to them), I took him in and told them the situation she said you need to book him in for surgery ASAP cause this palate has suddenly caused a issue and he can’t breathe properly, don’t let him play or anything no walks still.
They said the surgeon was very busy and can’t get him in until the following year(this was in October), they said take him to a specialist, board certified and have overnight care. This place couldn’t get him in any sooner either.

I dog sit for a different vet and I asked her and said no one can get him in, he needs surgery. She got him in in 3 weeks cause there is a board certified vet specialist that comes to their clinic(actually one of the surgeons that worked at the over night care place he was referred to).
Surgeon was great, they took before and after photo, they opened his nostrils more, took out the everted largneal saccules that were also blocking his airway. But the palate was so long it was getting stuck in his throat that they had to lift it up to intubate him.

Came home that night, they said they never had a dog do this well with this surgery. Cost was $1,900 which is much better than the $6,000 at the other place.

He can breathe so much better, no snoring, no choking, nostrils are better, can race around the house again and play with the other dogs and go for walks!

So yes he was diagnosed as needing the surgery. It was not considered preventative because he was showing signs. They paid 80% of the bill.

If the dog shows signs of needing it, or if it has closed nose like your pup, make sure there is no notes from vet of him having closed nostrils. When you get him neutered, you can say he showing signs of needing the nostrils opened just to have your vet do it when he gets neutered and take photo of soft palate. Get those nostrils open if you can when he gets neutered and check the palate so you have an idea if it’s too long for the age or not.

If he shows signs, and your vet says he needs surgery, get a prescription approval if you have the insurance already, or do get pre approval 3 months before the scheduled neuter date so they know for the nostrils. My vet and 2 other vets consider it RARE for a Frenchie to NOT need the palate and nostrils surgery!

 

[Rusty’s Owner]

Thank you. I am a little confused about his nare and palate surgery. They covered it when he wasn't diagnosed as needing it? Did they consider it preventative? Thank you.

Oh I forgot to mention, well Rusty is 3 years and he has had so many Heath issues, i have sent in 60 claims since I got him due to health issues and still send claims in because of dermatologist and topical treatments are expensive. They have paid just over $12,500 since the day I got him.

But because of the high amount of claims, and the amount of vet bills I have had with him, they cut my coverage from 80% down to 50%. It can go up back to 80% coverage but depends on the amount of claims and the cost. Not complaining cause 50% is better than nothing.
They review claims and cost every 6 months apparently and they decide then if they will increase the coverage % or not. When I called about the coverage for them only covering 50% they said that is the lowest they pay and 50% is the most I will have to pay and to continue as normal with sending in claims.

I’m hoping it will go back to 80% coverage but I don’t know when.

Even with the % drop, the pet insurance was the best thing I did. I’m still really happy they are paying 50% of the vet bills.

But if the pup doesn’t have tons of health issues and lots of claims, there shouldn’t be any coverage drop for you.

Rusty is like a lemon for health issues but I think he is improving. I had 30 vet bills last year, the year before that (2019 I had 29 vet bills),I have only took him to vet 1 time this year and other than that, just urine check every 2 months(he kept getting crystals and we were told to continue bringing his urine in to get checked every 2 months to check for those crystals). But I still send the claim in and get 50% back.

 

[Mavis]

So he actually came home from the breeder with the pet insurance trial, which when the 6 week trial was done, I continued and chose plan 3. $100 deductible a year I forgot to mention.

Rusty was checked at the breeders vet and the day I took him home, had to get a vet exam(this is a policy for a lot of breeders to make sure they have no health issues).

So since there was no pre existing conditions they cover whatever health issues come up. For example he had allergies at 5 months and he is 3 still with allergies and that was not a pre existing conditions so they covered it, I did have to call asking if they would cover cost for him seeing a dermatologist and the immunotherapy injections to help allergies.

For the Soft Palate and nares:

Vet did the neuter surgery and took photo of throat, palate was longer than it should be, this was at 6 months old, not pre existing because his nostrils we’re fine and no symptoms yet if needing surgery on palate.
About a year old and he needed another surgery for viral growth, he was showing signs of needing surgery, I asked them to please take photos of palate as he is showing symptoms.
About age 2 years old, nostrils a bit narrower, but not closed and he was showing ALL the signs of needing surgery for palate. I called pet insurance asked for a pre approval, the questions they asked were:
When did he first show signs of needing it
When will surgery be
What clinic is doing it
Will the surgery help
And what is the approximate cost.

They asked for medical records, vet sent it, they said it’s NOT considered pre existing because I had the pet insurance BEFORE he showed any signs, so they will cover it.
We were quoted $6,000 which was fine.

The vet told us to wait until spring as he just turned 2 but after a month things went sideways and he literally could NOT play for 5 minutes or go for a 5 minute walk, he tried to play with my other dogs and got overheated pretty much and he fell over on his side(he never does this). Coughing/choking after eating and drinking and walking around constantly panting and reverse sneezing, he snored SO loud waking me up cause it was so loud. He has never snored before.
I took him to my vet(they have a lot of Frenchie and bulldogs that come to them), I took him in and told them the situation she said you need to book him in for surgery ASAP cause this palate has suddenly caused a issue and he can’t breathe properly, don’t let him play or anything no walks still.
They said the surgeon was very busy and can’t get him in until the following year(this was in October), they said take him to a specialist, board certified and have overnight care. This place couldn’t get him in any sooner either.

I dog sit for a different vet and I asked her and said no one can get him in, he needs surgery. She got him in in 3 weeks cause there is a board certified vet specialist that comes to their clinic(actually one of the surgeons that worked at the over night care place he was referred to).
Surgeon was great, they took before and after photo, they opened his nostrils more, took out the everted largneal saccules that were also blocking his airway. But the palate was so long it was getting stuck in his throat that they had to lift it up to intubate him.

Came home that night, they said they never had a dog do this well with this surgery. Cost was $1,900 which is much better than the $6,000 at the other place.

He can breathe so much better, no snoring, no choking, nostrils are better, can race around the house again and play with the other dogs and go for walks!

So yes he was diagnosed as needing the surgery. It was not considered preventative because he was showing signs. They paid 80% of the bill.

If the dog shows signs of needing it, or if it has closed nose like your pup, make sure there is no notes from vet of him having closed nostrils. When you get him neutered, you can say he showing signs of needing the nostrils opened just to have your vet do it when he gets neutered and take photo of soft palate. Get those nostrils open if you can when he gets neutered and check the palate so you have an idea if it’s too long for the age or not.

If he shows signs, and your vet says he needs surgery, get a prescription approval if you have the insurance already, or do get pre approval 3 months before the scheduled neuter date so they know for the nostrils. My vet and 2 other vets consider it RARE for a Frenchie to NOT need the palate and nostrils surgery!

Very helpful! Thank you for such detailed information. Our last frenchie, Bambi, came to us as an adult. This is our first frenchie puppy (and only second puppy). When Bambi was having labored breathing and we took her to the Emergency Clinic, we discussed nare surgery (which was somewhat dismaying after the fact as I told my husband, because we had to take her back that night and have her put to rest, that's how grave she was. When we took her in, I didn't think she was in mortal condition and thought, "oh, they'll just give her something to make her better."). Anyway, they gave her some gabapentin, I believe, to "calm" her, but it made her too logey for me and she still had trouble while on it. I was also surprised that we discussed nare surgery as she was ten and obviously struggling. They could "try it" for $7,000 - a lot for sure, but that was at the emergency clinic. I don't know what our vet would be. I said no because I was not going to put her through a major surgery and recovery at her age, when her breathing was so grave, and she had other health issues as well. It was clear that she had declined over the past six months. Anyway, it's hard to trust that anyone at our vet is a french expert, although we go to one of the biggest vets in the more prominent part of town. I have seen several other frenchies there. I've called several vets and even the emergency clinic to ask them if they know of a local vet who has a lot of experience with frenchies, and they virtually scoff at me, like I am being elitist or something. Like, they are trained and equipped to "handle any dog." I live in Rochester, NY, which is a larger
city with a ton of vets.

Wow, your insurance plan sounds really good. Can you tell me which company you are with? Also, sounds like you found a great breeder and a great vet!!!!

 

[Rusty’s Owner]

Very helpful! Thank you for such detailed information. Our last frenchie, Bambi, came to us as an adult. This is our first frenchie puppy (and only second puppy). When Bambi was having labored breathing and we took her to the Emergency Clinic, we discussed nare surgery (which was somewhat dismaying after the fact as I told my husband, because we had to take her back that night and have her put to rest, that's how grave she was. When we took her in, I didn't think she was in mortal condition and thought, "oh, they'll just give her something to make her better."). Anyway, they gave her some gabapentin, I believe, to "calm" her, but it made her too logey for me and she still had trouble while on it. I was also surprised that we discussed nare surgery as she was ten and obviously struggling. They could "try it" for $7,000 - a lot for sure, but that was at the emergency clinic. I don't know what our vet would be. I said no because I was not going to put her through a major surgery and recovery at her age, when her breathing was so grave, and she had other health issues as well. It was clear that she had declined over the past six months. Anyway, it's hard to trust that anyone at our vet is a french expert, although we go to one of the biggest vets in the more prominent part of town. I have seen several other frenchies there. I've called several vets and even the emergency clinic to ask them if they know of a local vet who has a lot of experience with frenchies, and they virtually scoff at me, like I am being elitist or something. Like, they are trained and equipped to "handle any dog." I live in Rochester, NY, which is a larger
city with a ton of vets.

Wow, your insurance plan sounds really good. Can you tell me which company you are with? Also, sounds like you found a great breeder and a great vet!!!!

That’s so sad about Bambi!

If his Nostrils are closed or partially closed, get them done when he gets neutered, and check the palate as you can only see it when they are sedated.


The Pet insurance I have is PetSecure, I have plan 3, costs $97/month with $100 deductible yearly. They cover 80% of the vet bills and surgeries($5,000 per thing/illness per year). That was one of the best things I could have done!


If you get a pet insurance(any company), it can NOT say in the medical records of your pup that he has closed nostrils, if it does say that it will be considered “pre existing” because it showed up BEFORE you got pet insurance.
Then after a couple months of having pet insurance, get a pre approval saying they will cover the surgery for the nostrils/palate.

As long as he isn’t showing any symptoms and there are no notes about nostrils in the vet records then they will cover it.

If you wait too long for the nostrils, palate surgery it will be chronic symptoms of it and he sooner it’s surgically corrected the better the recovery. So make sure when you get him neutered, ask for photo of soft palate while he is under anesthesia and then say the nostrils NEED to be done so your vet does it.

Definitely find a Bulldog/Frenchie vet and if soft palate surgery is needed(even later on after he grows) then make sure it’s board certified surgeon as this is a major surgery and has to be done good(most regular vets don’t do this surgery).

 

[Mavis]

That’s so sad about Bambi!

If his Nostrils are closed or partially closed, get them done when he gets neutered, and check the palate as you can only see it when they are sedated.


The Pet insurance I have is PetSecure, I have plan 3, costs $97/month with $100 deductible yearly. They cover 80% of the vet bills and surgeries($5,000 per thing/illness per year). That was one of the best things I could have done!


If you get a pet insurance(any company), it can NOT say in the medical records of your pup that he has closed nostrils, if it does say that it will be considered “pre existing” because it showed up BEFORE you got pet insurance.
Then after a couple months of having pet insurance, get a pre approval saying they will cover the surgery for the nostrils/palate.

As long as he isn’t showing any symptoms and there are no notes about nostrils in the vet records then they will cover it.

If you wait too long for the nostrils, palate surgery it will be chronic symptoms of it and he sooner it’s surgically corrected the better the recovery. So make sure when you get him neutered, ask for photo of soft palate while he is under anesthesia and then say the nostrils NEED to be done so your vet does it.

Definitely find a Bulldog/Frenchie vet and if soft palate surgery is needed(even later on after he grows) then make sure it’s board certified surgeon as this is a major surgery and has to be done good(most regular vets don’t do this surgery).

Thank you. At what age did you have Rusty neutered? Breeder said 4-6 months, but on here I've read closer to a year. Am I checking for a board certified surgeon in general or board certified surgeon specifically in palate reduction?

 

[Mavis]

That’s so sad about Bambi!

If his Nostrils are closed or partially closed, get them done when he gets neutered, and check the palate as you can only see it when they are sedated.


The Pet insurance I have is PetSecure, I have plan 3, costs $97/month with $100 deductible yearly. They cover 80% of the vet bills and surgeries($5,000 per thing/illness per year). That was one of the best things I could have done!


If you get a pet insurance(any company), it can NOT say in the medical records of your pup that he has closed nostrils, if it does say that it will be considered “pre existing” because it showed up BEFORE you got pet insurance.
Then after a couple months of having pet insurance, get a pre approval saying they will cover the surgery for the nostrils/palate.

As long as he isn’t showing any symptoms and there are no notes about nostrils in the vet records then they will cover it.

If you wait too long for the nostrils, palate surgery it will be chronic symptoms of it and he sooner it’s surgically corrected the better the recovery. So make sure when you get him neutered, ask for photo of soft palate while he is under anesthesia and then say the nostrils NEED to be done so your vet does it.

Definitely find a Bulldog/Frenchie vet and if soft palate surgery is needed(even later on after he grows) then make sure it’s board certified surgeon as this is a major surgery and has to be done good(most regular vets don’t do this surgery).

I see PetSecure is in Canada; is that where you live? I don't know if they would cover the U.S.

 

[Rusty’s Owner]

Thank you. At what age did you have Rusty neutered? Breeder said 4-6 months, but on here I've read closer to a year. Am I checking for a board certified surgeon in general or board certified surgeon specifically in palate reduction?

Rusty got neutered at 6 months of age(only because I worked at a doggy daycare that required it for him to come to work with me). I would have waited longer, I was hoping for 8-12 months to neuter.

Yes if you can get him Neutered closer to a year that is best for growth reasons, but sometimes you can’t wait(situations where either dog becomes agressive/ being rude around other dogs which I have seen) and neuter earlier is needed. But try for 8-12 months if it’s closer to a year then that’s best.
No dog should ever have to be neutered before 6 months unless it’s a serious condition. My vets say no earlier than 6 months.

I had a regular vet do the neuter and that’s the vet that took a photo of soft palate as well, to neuter it’s not required a board certified vet surgeon. Same with the nostrils, a regular vet can do it. Just make sure they are good with Frenchies and anesthesia for the surgery.

For the Soft palate surgery, definitely the board certified vet surgeon as it’s not something regular vets do because you have to do it right, because it’s such a major surgery in the throat, having a board certified vet surgeon that has done this surgery in the past will be the best option for this surgery as they know there can be more swelling and bleeding if not done correctly. Swelling/bleeding Wasn’t a issue when Rusty had his surgery and the board certified vet surgeon has done a lot of these surgeries on Frenchies.

 

[Rusty’s Owner]

I see PetSecure is in Canada; is that where you live? I don't know if they would cover the U.S.

Yes Petsecure is in Canada.

I am in Canada, I am not sure if they would cover US, I recommend calling them and asking if you can get it in U.S.

 

[Mavis]

Yes Petsecure is in Canada.

I am in Canada, I am not sure if they would cover US, I recommend calling them and asking if you can get it in U.S.

I read more about Nationwide and wrote down all of my questions and called them. The rep. has a pug and said that Frenchies are the most popular breed they insure, which I don't doubt. I felt reassured and subscribed. Coverage doesn't start until April 28 and we have a vet appointment on April 20 (one shot is required at that time). The rep advised me to have them only do the shot and then schedule a subsequent appointment for maybe exam, flea/tick and heartworm, microchip, etc., and much of that would apply toward the $250 deductible. It's $71/mo. and I feel better for having it as who knows what's down the line. Did your vet tell you Cheli needed nare and palate surgery?

 

[Rusty’s Owner]

I read more about Nationwide and wrote down all of my questions and called them. The rep. has a pug and said that Frenchies are the most popular breed they insure, which I don't doubt. I felt reassured and subscribed. Coverage doesn't start until April 28 and we have a vet appointment on April 20 (one shot is required at that time). The rep advised me to have them only do the shot and then schedule a subsequent appointment for maybe exam, flea/tick and heartworm, microchip, etc., and much of that would apply toward the $250 deductible. It's $71/mo. and I feel better for having it as who knows what's down the line. Did your vet tell you Cheli needed nare and palate surgery?

That’s very good you now have pet insurance!

for Rusty needing palate surgery,
The vet took photo of plate while he was under anesthesia for the neuter and showed us and said this is too long for his age but not yet blocking airway and try to wait until 2 years as it can grow back when they grow and potentially need it done again. Rusty was 2 1/2 years when he had it done.
The symptoms he was showing, I knew from research, and the vet has frenchies and said yes it’s time get him in, don’t wait!


Also with the neuter time/signs of needing to be neutered,
I wasn’t saying they all get aggressive, some dogs do but some don’t, Rusty was not aggressive when he needed to be neutered but I knew it was time as he started to not like any intact male and another intact male picked a fight with Rusty because he also didn’t like any males, so all because of needing neuter some dogs picked a fight(unfortunately the other dog decided to pick a fight with Rusty, thankfully no one was hurt).

and he was being ‘rude’ around/on top of the female dogs in the doggy daycare and at home with my 2 other dogs.

Some dogs that really needed the neuter actually would constantly mark the territory, and some would lift the leg on the staff members at the doggy daycare I worked at. Rusty has never lifted his leg.

Since he got neutered it takes about 2 weeks after the surgery to see improvement in the behaviour. Rusty was not rude anymore, not snappy anymore, doesn’t care if he meets another male , behaviour has greatly improved 2 weeks after the neuter.

 

[2bullymama]

I read more about Nationwide and wrote down all of my questions and called them. The rep. has a pug and said that Frenchies are the most popular breed they insure, which I don't doubt. I felt reassured and subscribed. Coverage doesn't start until April 28 and we have a vet appointment on April 20 (one shot is required at that time). The rep advised me to have them only do the shot and then schedule a subsequent appointment for maybe exam, flea/tick and heartworm, microchip, etc., and much of that would apply toward the $250 deductible. It's $71/mo. and I feel better for having it as who knows what's down the line. Did your vet tell you Cheli needed nare and palate surgery?

@Cbrugs … you have Nationwide for Jax, right?

 

[Cbrugs]

@Cbrugs … you have Nationwide for Jax, right?

Yes!