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Pet Insurance

post #1 of 4
Thread Starter 
Does anyone have experience using pet insurance? Is it beneficial or just a waste of money? Neither of my cats have any health issues now but you never know what might happen.

post #2 of 4
I think there was a thread on here about this. Hold on I'm going to find it and I'll provide a link for you

Ok here it is...


Check this out and if you have any more questions- feel free to post them

But me personally- No I don't have pet insurance. But it doesn't seem like a bad idea!!!
post #3 of 4
Do a forum search and you'll find lots of threads on this subject. The problem with most of the pet insurance companies is that they don't work like most of our human insurances do. You have to pay the vet first, the file the claim and get reimbursed.

I talked to my vet about Veterinary Pet Insurance (VPI). He says they pay for most things, and that most of their clients who use it like it. However, you'll always hear horror stories about the companies not reimbursing you because of "pre-existing conditions" and what not.

You can check and see if your vet works with CareCredit http://www.carecredit.com/ which is a dedicated credit card for medical expenses, including veterinary costs, that also has a pay back plan on it to make things more affordable. My vet says, however, that they no longer work with them because the people who really need it don't get approved, and those who do get approved can usually find others way to pay.

Having said that, I think pet insurance can be a really great thing if your pet gets into trouble and needs a lot of vet care. I think there are lots of pros and cons with the insurance system the way it is right now, and its just something people have to think about and decide for themselves.
post #4 of 4
Pet insurance is good in the UK and well worth having but I don't know about elsewhere. Pre-existing conditions are usually excluded, which is fair enough otherwise everyone would just wait until their pet got sick before taking out a policy. You need to read the small print and make sure you're aware of what is and isn't covered, find out whether you have to pay the vet first then claim back etc.
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