Pet insurance?
- Thread starter Buddy'sParents
- Start date
I use www.petinsurance.com it is VPI. I pay $25/month, and a $50 deductable per "event" They cover a lot of things (except for preventative meds). I like it so far. it is a little bit of a hassle as everything is out of pocket, and they re-imburse you. I would highly suggest it. I wish that I would have gotted it b4 Thor got mange, as they do not cover pre-existing conditions.
I don't have insurance, but an "emergency fund" into which I put money and also a credit card that I only use for minor purchases and keep paid off. It's a $5,000 cushion in case I ever should need it.
This way I don't actually have to pay money on a month-to-month basis for insurance that I may not even need.
This way I don't actually have to pay money on a month-to-month basis for insurance that I may not even need.
I'm with you Mordy . If it's something major, I can always sell on E bay and pay off. I have 2 cards with high limits.....so my dog comes first....example : tomorrow I have to buy heartworm meds ( I'm out and Chip was due today ) .... my SS doesn't come in until the 3rd........bless my credit card ! It will be paid off , I just need the extra time line.
after paying for a whole year of VPI premiums, i felt i was giving my dog a peace of mind in case anything should happen to him. a couple months ago he wasn't able to walk after our stroll in the park and i took him to a vet.
turns out it he sprained his back. well, VPI has it pretty much figured out how they didn't have to cover any of the $200 vet bill. for a sprain, they only cover $46 and the deductible was $50. their rep kept saying that if i had upgraded to their superior plan, it would have covered a lot more. i insisted on their doing the math, and it turns out it would have paid out a whopping $20.
so, save your premiums, as it would have covered the vet bill in my case. but what i really hate is how they advertise themselves as giving petowners a peace of mind with comprehensive coverage for unexpected illnesses and accidents. it's just false advertising.
turns out it he sprained his back. well, VPI has it pretty much figured out how they didn't have to cover any of the $200 vet bill. for a sprain, they only cover $46 and the deductible was $50. their rep kept saying that if i had upgraded to their superior plan, it would have covered a lot more. i insisted on their doing the math, and it turns out it would have paid out a whopping $20.
so, save your premiums, as it would have covered the vet bill in my case. but what i really hate is how they advertise themselves as giving petowners a peace of mind with comprehensive coverage for unexpected illnesses and accidents. it's just false advertising.
I have http://www.petcareinsurance.com/us/dog/index.asp for Luke. But we go into some pretty rough terrain that he could get hurt in. I haven't had to file any claims with them, but I've heard good reports if I ever do. We'll see. I hope it never happens though.
VPI lets you use any vet. you pay up front, and then submit receipts for re-embursements.
The reason that I decide to get VPI is the mange mites that Thor has. I have paid out almost $2000 in dips and shots to cure it, and I think that VPI would have helped a substancial amount with that. While yeah, I may never need to use it, it would take 7 or 8 years of premiums to cover that amount. I pay 26 or 27 dollars a month for it. seems like a decent way to hedge my bets.
The reason that I decide to get VPI is the mange mites that Thor has. I have paid out almost $2000 in dips and shots to cure it, and I think that VPI would have helped a substancial amount with that. While yeah, I may never need to use it, it would take 7 or 8 years of premiums to cover that amount. I pay 26 or 27 dollars a month for it. seems like a decent way to hedge my bets.