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I have a 6 month old and am looking to add one more. I have never had health insurance for the cats but wondered if this might not be a good time. Who uses what and what does it cover?
You can review plans at petinsurancereview.comI have a 6 month old and am looking to add one more. I have never had health insurance for the cats but wondered if this might not be a good time. Who uses what and what does it cover?
Thanks. Our oldest is having issues and it occurs to us to insure our other two while they are younger.
You can review plans at petinsurancereview.com
Sure thing. None cover pre-existing, obama care hasn't come to pets yet. Plan costs will differ by location not only due to vet costs being different but different underwriters by state. We waited a few years to insure when they were young as a hedge, saved a bunch of years in premiums, costs go up as they age of course. You may not recoup your premiums but it does make it easier than paying 1000's upfront. Our latest cat was adopted at age 10, put on insurance, got very sick and we got 1000's back. Note you still have to front the money and then you get reimbursed so you need a credit card or similar with plenty of credit on it for insurance to work. Look at petplan, healthypaws, trupanion. Figo has good reviews and mixed reviews, cheaper and is VERY NEW, not much of a track record.
Thanks. Our oldest is having issues and it occurs to us to insure our other two while they are younger.
Yep, my vet has the forms for all my critters on file. They fill out everything for me and send it to the insurance.We have a basic policy with Embrace. 500 deductible no frills we pay all regular vet bills and dentals. It would offset the cost of a major illness. We're paying about 15 dollars per month for each cat.
I have used it once and Embrace tried to deny coverage because they said Mercy had a pre-existing condition of diarrhea and that dental wasn't covered.
Story here we took her in because she was acting like her back, hips, rear end were causing her pain. We never got a diagnosis despite blood work and exams they did end up expressing her anal glands. During the exam the vet noted she had some bad gum issues and she needed oral surgery. Lesson learned that you need to make sure the veterinarian knows you have insurance and they need to specify the reason you brought your cat to the vet. Probably includes the front desk since they'll likely have your forms on file. They did correct the paperwork.
We already budget for regular vet care so the lower premium for emergency visits and accidents made more sense.Yep, my vet has the forms for all my critters on file. They fill out everything for me and send it to the insurance.
I use VPI (Nationwide). I have no complaints thus far. I have the comprehensive plan for four of them, and wellness only for my two old critters. I think wellness only is better with a dog than a cat in my case, because my cat doesn't get year vaccinations at this point, but my dog does because it's the law. I didn't realize the other day that they covered the heart worm test - that was a nice surprise!
I have to budget for 8 regular vet trips a year, which in itself is fine. But then when something breaks down, that ends up getting eaten up. My car along cost me a few grand last year in repairs. I still need new tires. So yeah, this might be more expensive in the long run, but it's less thinking I have to do and more peace of mind. I'm just thankful I can pay for it (that wasn't always the case, otherwise my older ones would have had it a long time ago). Actually, what I couldn't afford at the time was the regular visits that the insurance required.We already budget for regular vet care so the lower premium for emergency visits and accidents made more sense.
I buy a separate accident insurance and long term disability plan. It was also my reason for buying the best health care plan for us so that even though it cost more we were covered when the poo hit the fan. I ran the costs on a lot of plans for the cats and decided this was one that would benefit us.I have to budget for 8 regular vet trips a year, which in itself is fine. But then when something breaks down, that ends up getting eaten up. My car along cost me a few grand last year in repairs. I still need new tires. So yeah, this might be more expensive in the long run, but it's less thinking I have to do and more peace of mind. I'm just thankful I can pay for it (that wasn't always the case, otherwise my older ones would have had it a long time ago). Actually, what I couldn't afford at the time was the regular visits that the insurance required.
Absolutely, everyone has to pick the best one for them.I buy a separate accident insurance and long term disability plan. It was also my reason for buying the best health care plan for us so that even though it cost more we were covered when the poo hit the fan. I ran the costs on a lot of plans for the cats and decided this was one that would benefit us.
No insurance plan is a good buy if you drop it after a year because it eats into your budget.