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Author Topic: Clarity sought for pet health insurance programs VIN  (Read 4060 times)
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3catkidneyfailure
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« on: July 27, 2010, 05:57:18 PM »

http://news.vin.com/VINNews.aspx?articleId=16272
Clarity sought for pet health insurance programs 
July 23, 2010
By: Jennifer Fiala
For The VIN News Service



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Geff
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« Reply #1 on: August 17, 2010, 09:15:04 PM »

Since there doesn't appear to be an insurance thread & I have no clue what board to put it on anyways........

here's another in my recent barrage of questions:

Is there any pet insurance company/plan that those here recommend?

Ideally, I'd like to find a catastrophic plan (no pun intended, I swear!) like they used to have for humans back in the old old pre-profit is everything days: low premium & the only thing it covers is serious incidents. I can afford routine vet trips, but major multi thousand dollar issues would be a problem at this time.

I also can't afford much of a premium; I don't have health insurance for me.

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catbird
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« Reply #2 on: August 18, 2010, 05:31:24 AM »

From what I've read, most pet insurance is no bargain.  I have looked into it, and most of the plans don't cover the sorts of things you would want the pet insurance for, and have a cap on the amount they will pay out.  In most cases, I think a person would be better off just putting aside the amount of the premium each month in a savings account, and building that up as an emergency pet fund.
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3catkidneyfailure
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« Reply #3 on: August 18, 2010, 08:37:10 AM »

I don't know, Geff, as I never bought pet insurance. I read many complaints about
coverage from purchasers, though. So if anyone has good things to say, please, do.

With three cats with kidney failure, and two still under treatment, I am one small car
down the road and used savings and jewelry sales to finance it.
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3catkidneyfailure
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« Reply #4 on: August 18, 2010, 10:16:32 AM »

http://www.dailymail.co.uk/money/article-1303961/Its-dogs-life-soaring-premiums-force-owners-abandon-vet-insurance.html?ito=feeds-newsxml

It's a dogs life as soaring premiums force owners to abandon vet insurance


one British pound sterling equals about 1.5 U.S. dollars currently according to Google
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Geff
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« Reply #5 on: August 18, 2010, 04:35:35 PM »

From what I've read, most pet insurance is no bargain.  I have looked into it, and most of the plans don't cover the sorts of things you would want the pet insurance for, and have a cap on the amount they will pay out.  In most cases, I think a person would be better off just putting aside the amount of the premium each month in a savings account, and building that up as an emergency pet fund.

Historically that's been my experience also. My vet was pushing for it yesterday.
I was hoping something had changed in the last year, sounds like it hasn't.
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lesliek
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« Reply #6 on: August 18, 2010, 04:43:26 PM »

I think if you get it for young healthy animals, the premiums stay reasonable [as reasonable as insurance can be ]. They almost all exclude any pre existing problems ,but can be a wallet saver if a major health issue happens. I don't have it, but wished I did when the Remrat had to be hospitalized at U of Penn. My youngest is 10, so its not in the budget for us.
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JJ
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« Reply #7 on: August 18, 2010, 07:41:13 PM »

Years back if I had had insurance it would have covered $1,700.00 of over $9,500.00 for radiation treatments for my former love Lady.

catbird has a good suggestion to put away a certain amount each month towards paying for any type of huge vet bills should the need arise.
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Vyaavi
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« Reply #8 on: August 18, 2010, 08:02:16 PM »

I've been looking at getting insurance through the ASPCA, recommended by my vet. They have a yearly deductible instead of a per-visit deductible, they cover injury and illness, and they have an option for long-term care (for things like diabetes or cancer that need ongoing care for more than a year). I'd still need to pay for everything relating to Nostalgia's paralysis myself since that's a preexisting/congenital condition, but having the insurance to cushion against sudden bills would be wonderful. Since she's so young, I'd be paying about $20 a month. I know with older cats it goes up.
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Geff
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« Reply #9 on: August 18, 2010, 10:47:12 PM »

I just checked ASPCA. While their home page shows 4 tiers of care, all they would offer my 100% healthy kittens on a quote is a $7 per cat per month accident only or a $78!! PER CAT per month top plan. For unstated reasons, my guys don't qualify for "level 2" or "level 3" coverage/ Wonder if there's a bug in there web site??
« Last Edit: August 19, 2010, 07:34:27 PM by Geff » Logged
JJ
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« Reply #10 on: August 19, 2010, 07:01:07 PM »

Just remembered hearing that some people insurance companies now offer pet insurance. Maybe someone on here knows which companies offer the pet insurance?
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Geff
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« Reply #11 on: August 19, 2010, 07:35:20 PM »

I also emailed ASPCA yesterday asking for a clarification. So far no reply.
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3catkidneyfailure
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« Reply #12 on: August 19, 2010, 08:00:45 PM »

And while we're mentioning plans, do vets get any part of the premiums, like they do on foods? I'm just asking if anybody knows.
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lesliek
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« Reply #13 on: August 19, 2010, 08:02:55 PM »

Not that I'm aware of. There are insurances that are by some large vet companies though, like Banfield & VCA.
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Mandycat
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« Reply #14 on: August 19, 2010, 10:20:12 PM »

An alternative to pet insurance for expensive procedures could also be using CareCredit.  Many vets, and especially specialty practices that do the expensive surgeries and procedures, offer CareCredit.  You can then pay off the bill over a period of time and even avoid paying any interest depending on the arrangements you make.  I've never used it for pets, but my daughter did use it for an unexpected expensive dental procedure and it worked very well to pay the bill off over a year instead of immediately.  The vet or doctor gets paid immediately by CareCredit, so they have nothing to lose by participating in the program.
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