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Cat Forum / Health and Behavior / May 2007Online Pet Insurance ?
please check out this web site and look into protecting your most loyal companions with our fast online calculator. Its affordable and is absolutely needed by every single cat owner out there. Thanks, http://www.globalpetinsurance.com ---MIKE--- >>In the White Mountains of New Hampshire >> (44° 15' N - Elevation 1580') > please check out this web site and look into protecting your most > loyal companions with our fast online calculator. Its affordable and [quoted text clipped - 3 lines] > > http://www.globalpetinsurance.com -------- Yup, and after you make me pay for $100 worth of blood work (had to have been done within the six months preceding the application)and after you ask me to provide you with copies of my cats' medical records, and after you accept my check for $300, you'll regret to inform me that my 10-year-old cat doesn't qualify because she's too old and even if she weren't too old, there's a whole list of medical conditions that aren't covered and require special riders. Then, I'll have to hold my breath and hope that you refund my $300 (the check had already been cashed, but at least you did mail me a refund - you didn't reimburse me for all the unnecessary blood work I had done, even though you knew from the outset the cat was 10 years old).Been there, done that, no thanks. Best regards, ---Cindy S. > Yup, and after you make me pay for $100 worth of blood work (had > to have been done within the six months preceding the [quoted text clipped - 9 lines] > though you knew from the outset the cat was 10 years old).Been > there, done that, no thanks. Bummer!! :( I bought a policy for Shamrock, my allergy case. Since he'd already been diagnosed prior to the policy, they would cover anything bug allergies. One day I had to bring him to the vet for an eye injury caused by one of my other cats by playing. Rhett hooked his claw in Shamrock's eye and it got infected. Vet bill including antibiotics was something like $120 and the insurance payout was like $15. Not worth it. I just budget for vet bills; normal and emergency. I know a lot of people can't do that, and that is why insurance seems so desirable.  SignatureCheryl > Since he'd already > been diagnosed prior to the policy, they would cover anything bug > allergies. LOL! Need to correct my typo and add something. I meant to write "anything BUT allergies". I realize that insurance is meant for bills more than just an eye injury, like a cancer diagnosis or something else serious. But the amount of the payout compared to the actual bill indicated to me that even with a serious diagnosis I'd end up paying more out of pocket than what is put into the premiums. Premiums for one cat was something like $18 per month for one cat. This for a young cat; older cats would be more. SignatureCheryl >> Since he'd already >> been diagnosed prior to the policy, they would cover anything bug >> allergies. > > LOL! Need to correct my typo and add something. I meant to write > "anything BUT allergies". I knew what you meant. > I realize that insurance is meant for bills more than just an eye > injury, like a cancer diagnosis or something else serious. If I wanted cancer coverage, I would have had to purchase an additional rider. > But the > amount of the payout compared to the actual bill indicated to me that > even with a serious diagnosis I'd end up paying more out of pocket > than what is put into the premiums. There was a maximum amount the insurance would cover in the case of serious illness. I think it was $1500, but I can't remember for sure. >Premiums for one cat was > something like $18 per month for one cat. This for a young cat; older > cats would be more. Exactly. I figured out that the amount I would have paid out was the same or more than if I simply paid out of pocket for routine exam and vaccinations. It was a question of do you want to pay now or later? The bottom line is that the only way you ever win with pet insurance is if you have a very young cat who develops a catastrophic illness, i.e., the only way to "win" is to lose :-( Best regards, ---Cindy S. |
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