Pet insurance - opinions and avice requested
Does anyone else already have pet insurance? Why or why not? I'll get the link as soon as I can. It may not happen until tonight as I'm at work right now and for some reason they like to see me do 'work stuff' while I'm here... Thanks, Vance |
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| I talked to my Vet, here in Florida, about pet insurance and she did tell me that you have to pay the Vet and then submit the bill to the insurance company for reimbursement. That is all I know so far. |
| Having spent close to $4000.00 since March for Rosie and I will have to buy expensive medication and have her periodically tested for the rest of her life...I quickly bought Maggie who is 2 pet insurance from AKC...it's expensive but it covers 1 dental a year, all heart and flea medicines, pet exams, medications, surgery etc...she broke a big tooth recently and I had a dental cleaning when they put her under to remove tooth...with medications I have already been paid back this years premiums...my deductible was 125.00 and yes, you pay vet first and submit claims...very fast...I received payment within 2 weeks of giving paperwork to vet to signoff. Rosie is 11 and could (we hope) live years with this medication even though she has Cushings...when I had to make choices if I do an ultrasound, MRI, etc...it was painful as all are expensive and there was a chance she had a large brain tumor in which they wouldn't have been able to do anything for her...really tough decision...spend big $$$ or do nothing...nothing would have meant she died sooner as it turned out she didn't have a large tumor and can take the Cushing medication. I very happily signed Maggie up...I won't feel the pressure with her when deciding how to treat her. |
| I tried it for 4 months. with 3 dogs and a cat, and they don't cover 'maternity' issues...They don't pay for them. I couldnt afford $350.00 a month for AKC insurance. |
| I've never had pet insurance so know very little about it. Thought I'd look into for Butchy but we go to a country vet and she doesn't accept any pet insurance. |
| The vet doesn't accept it...they just sign off on claim forms and they mail the check to you...you have to pay the vet up front and they just verify charges for services/medicines etc...When you have to come up with thousands of dollars or let your pet die it's a tough decision...mine was easy when my husband told me what we had to pay to have decks pressured washed and stained...the same as having Rosie's MRI...she's worth more than having the decks stained! However, there would have been times we just didn't have that kind of money for anything...the two weeks it takes to get your money back you can charge it on a credit card and not be without any money. I know what Ali meant...not sure I could afford the same for both dogs but then I look at what I spend every visit to the vet...never get out under 200.00 with two dogs and that's for routine things...AKC has several plans that made it easier to pay monthly...I pay 76.00 a month for everything...It's June and I have already recouped costs on Maggie because of the broken tooth, dental, heart meds, flea/tic medication and shots. |
| After all of the health issues we had with Quincy, I bought insurance for Oscar when he was 10 weeks old. We have VPI, and my experience is very similar to Linda's (Ihall15). It costs a little over $400 per year, and for the last 7 years, it has paid for itself. Laurie and Oscar |
| For Zoey, I'll be looking at $330 annually which is any two visits to the vet and is already sounding smart. I'll post the coverages tonight for sure. Vance |
| Here's the items covered and not covered. If those who know medical terms could download it and take a look. Is this a good plan as far as what is covered? http://www.violentlee.com/oes/MMP.pdf Thanks, Vance |
| I'm no expert, but I would take this plan in a heartbeat! We have VPI insurance as well, but our plan is nothing like this, much like the difference between being able to buy into a group health plan, as opposed to individual insurance (for two-leggeds). Oscar's plan is more like individual insurance, which is more expensive and doesn't cover a quarter of this stuff. When I looked at dog insurance, I looked at a couple of different things. The most important thing to me was coverage of big ticket items, like cancer treatment or a joint surgery. That was really my priority. I also looked at coverage for routine things as well, such as yearly vaccines and bloodwork, as well as medications. I will say this about VPI. Once they receive your claim, they pay quickly. (I signed off on a bunch of claim forms, and my vet fills them out and faxes them in for me.) I think I want a job where you work!!!!!  Laurie and Oscar |
that is great coverage on that plan.  With all the health issues and surgeries discussed these past few days it seems that this plan would have paid on all of them. It might not have covered the cost completely for some of the surgeries, I was thinking of the pyometra case, but it seems it would have put a good dent in the fees. It is definitely worth it. Seems like it would pay for itself with dentals and any unexpected events. I even noticed it covered toenail issues which it seems happened a few times to some pups a year or so ago. |
| VPI is a popular insurance. I personally have the AKC Pet partners insurance and I can tell you, it has paid me back ten times what I pay in premiums! I also have to pay the vet first and then send in a claim form to get reimbursed. But it is all done rather quickly. I recommend pet insurance HIGHLY! I ahve coverage for emergencies and illness only, not for preventative care. But with AKC pet partners, there are a few choices of plans and coverages for different premiums. I say, get the insurance and rest easy knowing if you ever need it, you will be helped for a huge medical bill! |
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