pet insurance?

Question

I was thinking about getting pet insurance.... i just took in a 3 month old kitten and with the cost of neutering and vaccines and boosters i thought it would be a good idea to get insurance... WHAT DO YOU GUYS THINK ABOUT PETSHEALTHPLAN.COM????? I'm looking for pet insurance that will cover routine stuff like dewormer and vaccines and this is the only one ive found.....

Answer 1

I have 2 Siberian Huskies and I have them both on an insurance plan through PetSmart. It costs about $50 a month ($25.00 per dog) to have both dogs insured. It covers just about everything - physicals, routine exams, shots, any necessary lab work, etc. at no additional cost. Plus I can take my dogs in whenever (and as many times as I want) I have a problem or concern with one of them at no additional cost. So far (I've had the pet insurance for a little over a year) the insurance has saved me about $1,300 just an physicals, routine exams, shots, lab work, (one of my dogs was anemic, and needed lab work done) etc. The only thing it doesn't cover is spaying or neutering, but you do get a discount on these procedures with the insurance. There are a lot of different pet insurance plans, so do some checking around before you decide which one to go with. Hope this helps. Good luck with your new pet!

Answer 2

Pets are an expense; when you take one in, you should figure that there's going to be a vet bill or two a year. To that extent, the "throw the money in the jar" idea isn't a bad one.

That being said, my brother has a cat that has horrible digestive problems and is on 3 medications a day. There was a period where the cat spent more time at the vet than at home. My brother has had to take out several small loans to pay his vet bills. In his case, pet insurance would have been great.

I have pet insurance, but it basically just covers acute illnesses and accidents. Vaccines and check-ups are not covered. The cost is reasonable (less than $20 a month), and it's peace of mind to know that if my dear pet gets very sick, I won't go bankrupt.

But the other posters are right: in most cases vets don't bill insurance companies the way doctors do. You will have to pay up front and then submit the bill to your insurance company.

I've not done business with the company you mention; I would definitely do a lot of homework. But, like I said, it could just get you out of a tight spot if something happens. I have no regrets about my purchase.

Answer 3

There are a number of different insurance programs for you pet. Some will only cover emergency care (like if it got hit by a car) but others will cover the cost of regular care.

I'm not sure how I feel about it though. You'll pay your typical monthly premium (which various for each program). Then when the animal is seen at the clinic, you will actually pay 100% of the cost and then file a claim with the insurance who will then decide if they want to reimburse you for the expense.

So I don't know. If you've got the kind of money like this and/or live on a heavily traveled road, then it may be a good idea. But otherwise, I'm not sure I'd go for it. Vet fees are usually pretty decent and with the spay/neuter clinics that are country-wide making the price less expensive or even free, there's no use for insurance.

Answer 4

I'm a Pets Best fan, too. They have really great straight-forward plans that cut out a lot of the confusing insurance jargon (i.e. benefits schedules). For a little extra you can add the wellness/routine care option that will cover the cost of routine things like spaying, vaccinations, etc. A good investment, I think!! Good luck!

Answer 5

i'm no longer a pug proprietor, yet a canines proprietor with puppy coverage. we've VPI. the ingredient to bear in mind is that with any plan, you pays finished fee up front and then positioned up a declare for reimbursement. I pay around $30 a month for finished coverage. VPI does have a set volume of money that they pay for each technique, vaccine, and so on. so as that they only pay component to the finished invoice. I merely had annual photos completed, and that i paid $a hundred and fifty. VPI will probable reimburse me $seventy 5 or $80. That reported, final year my canines superior a foul bacterial an infection and had to circulate to the Emergency Vet. I walked out with a invoice of on the edge of $1500. i exchange into reimbursed $1200 of that. I had had the coverage for a year at that factor, so $30 x 12 is $360.00. you may locate that I made out, massive time. All in all, i could advise it. merely verify you examine the advantageous print and get a coverage which will artwork for you.

Answer 6

I don't know anything about this specific company, but in general I think pet insurance is just not worth it. Just saving the money you would have spent on the premiums in a jar, then using that money when a medical expense arises, would be more worth your while. You'd end up paying more for the premiums than you would just paying the vet bill yourself.

Answer 7

I suppose it is alright. with the increasing cost of vet bills nowadays.. it might be best.. I do not know the cost and have never investigated the cost so I would have to calculate the cost of the insurance to the estimated costs of vaccinations, etc.

Answer 8

Your best bet is to find a vet more interested in healing animals than paying off his school loans. Look for someone over 50 and you won't need pet insurance.

Answer 9

My personal experience with this is dont do it, they find so many ways to not pay for things and ways to exclude certain common problems, I dont trust it never have and never will. some of them even limit the vets you may use and in the case of an emergency and you see the on call vet or something you will still get stuck paying for every thing. Just read the fine print and ask lots of questions!

Answer 10

go to www.petsbest.com
they have a really great health insurance for cats. it covers a great deal of stuff and you should be able to use it anywhere in the world. it covers up to 80% of fees. i wish i had it when my cat got sick last year. she cost us about $7000. PetsBest would have covered a good portion of that.