*Loan,banking and credit>>>dog insurance

What Pet health insurance is best and is it worth it i have a 7mth old puppy and a 8yr old dog?

the puppy has not been spayed yet and i was wondering if i didn;t get them a health plan where would i go to get them there shots each year for low cost?

I have VPI for both of my dogs. My vet recommended it after my 9 mo puppy got into some medication a week after I adopted her. Vets do not get paid anything by the insurance companies, so he has no reason to push it. Also a coworker of mine had a sister who was a vet. My coworker also had insurance and her sister also recommended it. I pay $25/month for each. If I did the savings account route, I better pray nothing happens to them while I'm trying to save up. With the insurance if something happens, and I have to pay $2500 (which is a cheap number depending on what's wrong) for surgery I don't have to worry about whether I have enough in my savings account. BTW at $25/month into a savings account it would take over 8 years to have that much.

We use VPI Pet Insurance. We have 5 dogs and a cat.

http://www.petinsurance.com/
health insurance for pets?? oh you got to be kidding me. just another way to milk your money. did you chip your pets too? just another ploy for your money. less than 1% of pets ever run away, there is no plague of pets running away to need to chip animals.
pet owner for life
I'd actually skip the insurance. Most of the insurance companies require you to pay up front anyway.

I looked into pet insurance, and then decided that opening a savings account for them was a better option. Every month I put what I would have spent on insurance premiums into this account. Sometimes I'll add more. To me this has a few different benefits. I can set the amount I pay into this savings every month, if the money isn't used, its not just "gone", in fact I earn money back.

If the dogs ever need something, the money is there for it.

As far as low cost spay, you can go to http://www.spayuse.org they can put you in touch with low cost clinics. I believe Petco and PetSmart also have low cost vaccination clinics. I know in my area every summer vets around here will do vaccine clinics where shots and worming is discounted.

Skip the insurance, and get a savings account instead.
http://tiaspetplace.com/forum/index.php?...
It is definitely worth it for the puppy. The 8 year old dog is another matter, however. The older the dog is when you start the insurance, the more expensive it will be. You can get quotes online to tell exactly how much.