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Author Topic: Pet Insurance  (Read 3159 times)
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Einstein
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« on: October 04, 2007, 08:35:01 AM »

Hello all,
My first post in the forum  Grin
I am looking to purchase basic plan pet insurance for our lit' mutt from the pound. Anyone here has any experience, knowledge or suggestions regarding ASPCA pet health insurance?
TiA
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shibadiva
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« Reply #1 on: October 04, 2007, 09:32:06 AM »

Einstein Don't know about ASPCA's insurance, but I have had PetCare for my two dogs since I got them. Good for you for planning ahead. It will give you peace of mind.
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Einstein
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« Reply #2 on: October 04, 2007, 01:37:02 PM »

ShibaDiva,
If you don't mind, how much does it cost per month for a basic plan with your pet insurance co.?
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kittylyda
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« Reply #3 on: October 04, 2007, 02:33:38 PM »

I have heard that the Humane Society offers very reasonable pet insurance.  Most veterinary offices have information on it or you can try going to HSUS.org.
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shibadiva
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« Reply #4 on: October 05, 2007, 08:31:31 AM »

Einstein It is about $30 (Canadian) per month for each dog. They have a MasterCare plan which is not the top-end plan, but is close to it. There are also insurance options for senior pets, indoor pets, emergency coverage for lost pets. It comes out of my chequing account every month so I don't even see the expenditure.

There are limitations with some policies (not just PetCare) of, say, $3,000 per illness category. I've read that there are companies (I think Vetinsurance is one) that has a total cap, not a limitation per category, so if your pet has recurring musculo-skeletal or digestive or cardiovascular problems, you are covered.

My senior cats are not covered. I rescued a 10 year old last year, and the senior plans just don't have much in them. She as some issues, unfortunately, and her recent surgery for cancer in her ear canal was several thousand dollars. She is also hyperthyroid and the radio-active iodine treatment that she will be getting at the end of this month will also be about $2,000. That is elective; the cancer was not.

I think it is 6-of-one; half-dozen of the other when it comes to insurance. If you put aside money in a savings account religiously, you can have a few thousand dollars socked away for an emergency.

In mid-September, this story was in the local Georgia news, and it brings home the message about being prepared, and understanding that having a pet doesn't mean just buying a bag of kibble occasionally. Fortunately, the story had a happy ending.

http://redstarcafe.blogspot.com/2007/09/kindness-of-stranger.html

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JanC
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« Reply #5 on: October 05, 2007, 04:54:57 PM »

I have VPI.....it's $36/mo for the whole thing, including wellness & cancer coverage.  There are limits but at least you won't be stuck with huge bills, at least I certainly hope not.  They only cover a certain percentage but it sure is better than nothing.  As for wellness visits, they really pay a very small amount for that but I have it more for the biggies.....emergencies, surgery or something awful like cancer.

I'm sure all of them got burned during the pf recall so they may require a vet exam before they'll sign any animal up.....I don't know that for sure, I'm just thinking they might.  My dog was just a year old so she didn't need an exam plus it was well before the recalls.

I agree with shibadiva......if you are good about saving, just put that money away.  I'm not so I went with pet insurance.  There are several out there so look around..... Cheesy

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dingbat
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« Reply #6 on: October 05, 2007, 05:03:47 PM »

Quote
If you don't mind, how much does it cost per month for a basic plan with your pet insurance co.?

Einstein

Typically pet insurance is based on the age of the dog, it usually will NOT cover pre-existing conditions. We looked into it and for the young ones it was between 30-35 per month. It is quite affordable if you have one or two pets, if we tried to insure all of ours, even just the ones under 5 it would be cost prohibitive. Some require an exam some don't. Look them up on the internet, many to choose from

db
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shibadiva
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« Reply #7 on: October 06, 2007, 06:10:33 AM »

The other thing to consider, as db knows, is that if you do have the occasional high-priced emergency and you are eligible, there is Care Credit financing (eg. MediCard) - a loan that is paid to the vet directly. This could supplement any savings you put aside.
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