I found a russian blue cat 3 days ago. I took her to the vet and she is going to have some expensive treatments soon. I want to get her health insurance, My vet office recomand VPI PET INSURANCE. PLEASE LET ME KNOW IF YOU EVER DEAL WITH VPI PET INSURANCE AND HOW YOU RATE THEME. Thank you all for shering your experience with me.
2007-08-02 15:57:57 · 12 answers · asked by nooni 2 in Pets ➔ Cats
We handle VPI pet insurance at the vet hospital where I work.
Like most insurance, it only covers part of regular checkups, vaccinations, and well-animal routine vet care. But when an animal is seriously sick, injured, or needs expensive care, it pays quite well.
If your cat has a pre-existing condition, find out what their policy is on that before you sign up. Some insurance companies exclude a pre-existing condition forever, and some will start covering it after six months. It might be that you would be better off opening a savings account devoted to your cat's care and making regular deposits to it to cover her vet care, rather than taking out an insurance policy that won't cover what her problem is.
By the way, thank you for taking in a homeless cat and being willing to pay for its care.
2007-08-02 16:05:26 · answer #1 · answered by Kayty 6 · 3⤊ 0⤋
Hi there,
Unfortunately no pet insurance company will pay for treatment that relates to an existing condition (or conditions). However, Pet Plan (which I use) and many others will still insure the cat for any future injuries or illnesses. With Pet Plan (and most others) you have to pay an excess of £40 towards treatment for each new injury/illness. You should also read the terms and conditions very careful and be sure that you know what the protection covers.
I suggest that you call both VPI and Pet Plan and also Google 'pet insurance' for more companies, then give them a call. To be honest, all the major companies have pretty similar policies. Oh, I do know that Pet Plan are doing an offer at the moment where you can get the first two months free if you buy online.
xx Emmie
2007-08-03 10:21:41 · answer #2 · answered by Sparklepop 6 · 0⤊ 0⤋
Kayty's advice is good.
I don't know VPI (maybe they don't have it in England) but just read the small print carefully, or phone them and ask questions before taking out a policy. You really want something that covers lifetime conditions in animals, not one of the rubbish cheap policies that will only pay out for each condition once.
Generally the more expensive the policy, the better the cover. Pet Plan is the best one I know.
Your cat won't be covered for the illnesses/injuries she currently has, but hopefully they're not lifelong and insurance will then pay out for any other illnesses or injuries in the future. You won't be able to get help for your current bill I'm afraid though - no insurance company will let you claim for illnesses/injuries presenting within two weeks of taking the policy out.
The only other thing is insurance companies won't insure cats and dogs over a certain age, so unless the vet says it's very obvious the cat is under 8 (the usual limit) they won't insure.
Chalice
2007-08-03 05:55:14 · answer #3 · answered by Chalice 7 · 0⤊ 0⤋
I haven't dealt with VPI pet insurance, I use Tesco's, but I thought I should warn you that most insurance companies won't cover anything within the first four weeks so if they're urgent treatments you will have to either wait or pay for it yourself
Hope this helps.
2007-08-04 06:57:44 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I don't have pet insurance because it was all too expensive and didn't cover enough things
If you just found this cat 3 days ago she may simply be lost and the owner could turn up still. If you get the treatment, you may be out the money when an owner tries to claim her. Just something to be aware of.
2007-08-02 16:04:22 · answer #5 · answered by MissWong 7 · 1⤊ 0⤋
They probably won't insure your cat considering it has pre existing conditions... Also most pet insurance places suck. We've dealt with them alot and there are alot of loopholes in their contracts. Try something like Care Credit, you can see if you vet accepts it. It's kinda like a credit line that will pay the vet bill for you then you have to pay them back. (since most vets won't set up a payment plan any more). It's a pretty neat program with a very low interest rate
2007-08-02 16:03:27 · answer #6 · answered by Anonymous · 3⤊ 0⤋
Try asking the vet for advice on insurence companies.
2007-08-02 23:52:53 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I have Pet Plan insurance for my cats.
2007-08-03 03:05:19 · answer #8 · answered by Terri B 4 · 0⤊ 0⤋
ok go to google n check them out, also you can look up horse health insurence cuz some of them will insure dogs n cats too
2007-08-02 16:05:47 · answer #9 · answered by Anonymous · 1⤊ 0⤋
wow never knew you could get health insurance on an animal...huh
2007-08-02 16:01:18 · answer #10 · answered by rapid57702 4 · 0⤊ 5⤋