i have been searchin for pet insurance and the sites are talking about me paying 100percent and then possibly they will give me 80percent back!!!!that is not insurance that is reimbursement..insurance is when for example i pay a co-pay ammount and they pay the rest not me paying everything and then maybe theyll give me my money back,why i think they may try to scam me into saying "oh we cant,for some dumb reason"it sounds real scandolous to me.any opinions on this?????
2007-01-14 21:35:31 · 7 answers · asked by swirl 2 in Pets ➔ Cats
All insurance is a scam. It trades on basic fear. This is the only business i know where they sell you nothing and charge you a fortune!
Perhaps put the amount of money away that would be paid to them and reap the interest . If you do need to pay a vet you have it already in a separate account For every year you are vet bill free you have money earning interest.
2007-01-14 21:48:41 · answer #1 · answered by Shelty K 5 · 2⤊ 0⤋
My first guess as to the answer to this would be that the vets don't want to get involved with the paperwork required to bill the insurance companies. I think that it's officially insurance because if I've only paid in $35 and I have a $2000 vet bill, I still get 80% back after my deductible. That, to me, is better than one of those care credit cards or a savings account, because I'm miserable about saving.
I think you are right, though, to do your research in terms of what the individual companies will and won't cover because knowing ahead of time will help you decide what's best for your pet. Also, some companies have better reputations than others, so it's good to do your homework there, too.
For example, I've heard that VPI doesn't pay a very high percentage of the bill (between 20 and 50%, I've heard, if they don't deny the claim). We went with Pets Best because of that 80% reimbursement and have been happy so far.
The biggest complaint I've heard is from people who already have something wrong with their dog or cat and then are upset that insurance won't pay for it. But that's like me dinging up my car, getting insurance and then wanting the insurance company to fix it. Insurance is really only for things that haven't happened yet, which is why insuring puppies and kittens is much wiser than waiting until the signs of something are already there.
I'd say that if you're feeling leary about it, though, that you should stay away. They would most likely not be able to meet your expectations. Good luck!
2007-01-15 08:15:27 · answer #2 · answered by writerchick 3 · 0⤊ 0⤋
It does sound scandalous. I'd pay as you go. . .
My mom had pet-insurance once and they kept calling the cat/mom back for surgeries on his diminishing-cancerous jaw-the poor thing was starving to death as he could not even eat, when really they should have just put him down in the first place. They instructed my mom how to bottle feed, and told her that this would never change but that "Princee" still had good life in him yet (at 16yrs.). She stayed home with him for the last three weeks, trying to nurse him back to health, but it wasn't until he had whittled away to a mere two and a half pounds, that my mom finally had to give-up and take him to be put-down.
I think the vet could have spared Princee this slow, and heart-wrenching death by being more fourth-right, but some just don't care as long as they get the insurance money. And so, who do you want calling the shots for your pet, you or the vet (the one who gets your insurance)?
: )
2007-01-14 21:43:45 · answer #3 · answered by Anonymous · 0⤊ 0⤋
we've a 6 12 months previous staffie go and a cat insured with preserve your bubble who provide multipet fee reductions, not confident about the exotics, imagine you'll want to grant them a decision to communicate
2016-11-23 19:19:46 · answer #4 · answered by ? 4 · 0⤊ 0⤋
You should talk to your animals vet to recomend the right insurance, Some insurances they won't even accept because it is so bad. Report the fraud ones and must read the fine print on anything, especially anything that concernes insurance.
2007-01-14 23:58:04 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Because they make money on your monthly payments.
They know you will continue to pay, just in case you need to have your beloved pet cared for.
Any reputable Vet will take payments if there is an emergency.
2007-01-14 23:05:41 · answer #6 · answered by eyes_of_iceblue 5 · 0⤊ 0⤋
try petsmart they have a decent pet insurance through banfield hospital at their locations
2007-01-15 00:48:10 · answer #7 · answered by Anonymous · 0⤊ 0⤋