TheCatSite.com › Forums › Our Feline Companions › Cat Health › Pet insurance!?
New Posts  All Forums:Forum Nav:

Pet insurance!?

post #1 of 22
Thread Starter 
Hi! I have 5 cats, 3 adults 1 male(11yrs) 2 females 4 yrs and 2 yrs and one just had kittens (7 weeks ago) and I am wondering about Pet insurance do alot of people get that? It is available here in Canada and it can cost 20- 50 a month, the 20.00 something package covers up to 2000.00 per incident accident or illness. I found this out from an emergency vet visit lastnite,,,my one little kitten who I was thinking about getting this for has a heart murmur grade3/4. And the insurance wouldn't cover anything already diagnosis, so I am not sure what to think or do.

Thanks for any imput,
Pepperjack
Elmo 11yrs
Willow 4 yrs
Yazzi 2yrs, mama to (female orange)kitty a.k.a "honey" and (male black) lil' bear(the sick one).
post #2 of 22
some places offer discount for insuring multiple pets. shop around and see what coverage suits you best and make sure you get the best price.

i got insurance for my pets as if they got hit by a car or anything i wouldnt have to worry about the costs over saving their lives. my friends cat got sick recently (cant remember what happened to be honest) and she had to pay 800pounds to have her treated
post #3 of 22
I have insurance through http://www.petshealthplan.com and I'm satisfied with it.
post #4 of 22
http://www.petplan.com/index.aspx
One of the fine people on this site suggested this plan as I live in canada too. If I were to go on a plan (indeed, if I had more than one cat I'd consider it) this is the company I'd go from.
post #5 of 22
you guys are lucky to have a choice here in Ireland we only have 1 company that offers pet insurance so there's no choice
post #6 of 22
Quote:
Originally Posted by Sylorna
http://www.petplan.com/index.aspx
One of the fine people on this site suggested this plan as I live in canada too. If I were to go on a plan (indeed, if I had more than one cat I'd consider it) this is the company I'd go from.
That would be me! We are very happy with our plan and it was the one recommended to us by our truly wonderful vet.
post #7 of 22
Quote:
Originally Posted by coaster
I have insurance through http://www.petshealthplan.com and I'm satisfied with it.
Let me get this straight.

100$ per year for the insurance? Thats 8$ a month, or am I reading it incorrectly?
post #8 of 22
My insurance starts at $10 per month for the first cat, then there is a discount for multiple cats. For three cats I pay $26.50 per month.
post #9 of 22
I dont have pet insurance. What i did was set up a seperate savings account and have $10 from every pay check put automaticly into it. I find this works good enough.
post #10 of 22
Quote:
Originally Posted by kittylea
I dont have pet insurance. What i did was set up a seperate savings account and have $10 from every pay check put automaticly into it. I find this works good enough.
If that's $10 weekly into the account you still have only $520 per year saved and often a serious vet problem can eat that up pretty quickly.
post #11 of 22
Quote:
Originally Posted by Zoggy
Let me get this straight.

100$ per year for the insurance? Thats 8$ a month, or am I reading it incorrectly?
Below is a link to another thread about pet insurance. My post #4 explains everything our policy covers. You might want to compare.

It is wise to read the fine print when selecting your pet insurance - they definitely are not all equal and some are less than useless. Be very careful.


http://www.thecatsite.com/forums/sho...=Pet+Insurance
post #12 of 22
Does it actually work?
Or do you sign up, go to the vet, and he tells you he doesn't except it or whatever?
post #13 of 22
With most vets you have to pay the bill upfront out of pocket, and then submit the claim to the insurance company. If your deductible for the year has been met, then you'll be reimbursed per the policy terms.

I got my new policies for the next year today, and the premium for the renewal went up 12%. So take the figure I quoted in my previous post and add 12%. The good part is that they told me they also increased the "Usual and Customary" fee schedule to more accurately reflect what vets are now charging for their services. We'll see, I guess.
post #14 of 22
I'm considering Pet Insurance now too.

I've found the following company

www.petcareinsure.com
www.vetinsurance.com
http://www.pcinsurance.ca/ROCEN/PI.asp

and pet plan as mentioned above.

The petplan and PC ones doesn’t really fit my needs and now I’m mainly thinking about petcare and vetinsurance. (btw I’m from canada too)
For the PC one, not only it has deductible, it also only cover 80% and cover even less as ur pet ages. Kinda sucks.

For Petcare, they have a lot of different plans.
I’m leaning towards the mastercare plans (only avaialbe to canadians) instead of quickcare plans (avail to US and canadians) as the mastercare plans could cover up to 100%. Illness is divided into 12 different categories in this company. (i.e. cardiovascular and respiritory system, nervous system) and there’s a LIFETIME limit on each category. $2500 for the chepast plan ($26 / month), $4500 for the next cheapest plan($35/ month) and $6000 for the most expensive plan($39/month). There’s no deductible for illness, $75 deductible for accidents

For Vetinsurance
It works quite differently. It’s $20 / month and has a lifetime limit of $15,000, including all kind of illness and accidents. However, they only cover up to 90% and you have to pay the exam fee for each visit to the vet. (they say on their website that it’s around $60, I check with my vet, he charges $45 for exam fee). So it’s really the nice way of saying a $60 deductible.

This is what I think:

Petcare
Pros:
-cover 100%
-no deductible
-if you go to their affiliated vets, you don’t have to pay upfront.
-Seems to be more well-known, I’ve seen their flyers at lots of shelter and vets office and a lot of online artilces recommanded them.

Cons:
I’m really not certain if the $2500 LIFETIME limit is enough, Since they divided the illness in different categories, during my pets’life or 15-20 years, she might have lots of different disease under a certain category (ie cardiovascular and respiritory system) and thus go over the limit.

Vet insurace

Pros:
-Lifetime limit of $15,000, no worries about going over the limit
-cheapter (only $20 / month if you enroll b4 age of 1)

Cons:
-you have to pay exam fee everytime
-only covers up to 90%
-I’ve never read anything / heard anything about his company, it’s relatively new company i believe

I’m still considering which one to go for, but I’m more for Vetinsurance.
Anyone has any experience with these companies? Please advise and share ur experience.

Thanks in advance!!!

*note* any existing conditions and any illness preventable by vaccinations won't be covered wtih ANY of these companies. so be prepared to give ur baby all the vaccines b4 u enroll.
post #15 of 22
Certainly looks like you've done your homework!! Petcareinsurance is the only company I'm familiar with, and it looks like the plans offered in Canada, as well as the underwriter, are completely different than offered in the states. So can't really comment, except to say that I would be more comfortable with an established company with a track record.
post #16 of 22
Quote:
Originally Posted by kittylea
I dont have pet insurance. What i did was set up a seperate savings account and have $10 from every pay check put automaticly into it. I find this works good enough.
I do the same thing, except I put away more than $10/week
post #17 of 22
I have a cat who is 11 years old and has inflamitory bowel disease. Is there insurance that would cover her?
post #18 of 22
The insurance plans I'm familiar with have a one-year exclusion for pre-existing conditions.
post #19 of 22
Quote:
Originally Posted by coaster
The insurance plans I'm familiar with have a one-year exclusion for pre-existing conditions.
Can anyone recommend what they think the best insurance company would be for someone in my situation? Thanks!
post #20 of 22
Matt
If your cat has a pre-existing condition, it is possible you may not be able to get a decent insurance plan at an affordable price and may be better off putting money aside weekly.
post #21 of 22
Quote:
Originally Posted by matttt
I have a cat who is 11 years old and has inflamitory bowel disease. Is there insurance that would cover her?
i've read the fine prints of all 4 companies available in canada (president choice, vetinsurance, petplan, petcare) non cover existing conditions. i'm not sure if it's the same case in the states. if yes, i guess ur best bet is to save money monthly.
post #22 of 22
got mine through www.sheltercare.com
it was suggested by the adoption people and you get one free month for adopting............we decided on the "indoor only" cat package for like $10 a month...................
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Cat Health
TheCatSite.com › Forums › Our Feline Companions › Cat Health › Pet insurance!?