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Cat Forum / General Topics / February 2006Pet insurance
>From Forbes.com: Do the math on pet insurance According to a 2003 report by Consumer Reports, the considerable costs (deductibles, premiums and unreimbursed portion) and exclusions (wellness care, hereditary and pre-existing conditions) make pet insurance rarely worth the price. Unless your animal suffers some major accident or health problem during its lifetime, you'll end up spending more on vet costs than you would without insurance. O'Keefe says the plans that are most worth it are those that cover well-care (such as basic health costs and preventative measures) as part of the package. To figure out if you'd benefit, talk to your vet about common costs for procedures, and compare those annual expenses with what you'd pay under insurance. An alternative that both Consumer Reports and Peterson recommend is starting a savings account for pet expenses. That way, you'll have funds in case of an emergency - but it will be money saved rather than spent should your pet remain healthy. > >From Forbes.com: > [quoted text clipped - 16 lines] > funds in case of an emergency - but it will be money saved rather > than spent should your pet remain healthy. I totally agree with the alternative of putting money aside in a separate account. I have been doing this for years and it's worked out well. This person is a fake >>From Forbes.com: > [quoted text clipped - 5 lines] >accident or health problem during its lifetime, you'll end up spending >more on vet costs than you would without insurance. The whole point of insurance is to allow for people to cover emergencies. ***Of course*** pet insurance [or any other sort of insurance] costs more than not having it, otherwise insurance companies would speedily go out of business.  SignatureDavid Stevenson Storypage: http://blakjak.com/sty_menu.htm Liverpool, England, UK <cat2@blakjak.com> Emails welcome Nanki Poo: SI O+W B 12 Y L+ W++ C+ I T+ A- E H++ V- F Q P+ B+ PA+ PL SC Minke: SI W+Cp B 3 Y L W+ C++ I T A- E H++ V++ F- Q- P B PA+ PL+ SC- On Mon 27 Feb 2006 04:02:44a, Thus Spake Zarathustra, or was it David Stevenson? >>>From Forbes.com: >> [quoted text clipped - 10 lines] > insurance] costs more than not having it, otherwise insurance companies > would speedily go out of business. But most pet health insurances covers very little, and often does not cover treatement at emergency vets, that I would still have to take a loan out to pay the bill. When they start paying 80/20 like most human health insurance does, I would definitely consider it again. SignatureWayne Boatwright o¿o ____________________ BIOYA >On Mon 27 Feb 2006 04:02:44a, Thus Spake Zarathustra, or was it David >Stevenson? [quoted text clipped - 13 lines] >> insurance] costs more than not having it, otherwise insurance companies >> would speedily go out of business. >But most pet health insurances covers very little, and often does not cover >treatement at emergency vets, that I would still have to take a loan out to >pay the bill. When they start paying 80/20 like most human health >insurance does, I would definitely consider it again. I would not know about bad insurance. My pet insurance covers all emergencies. SignatureDavid Stevenson Storypage: http://blakjak.com/sty_menu.htm Liverpool, England, UK <cat2@blakjak.com> Emails welcome Nanki Poo: SI O+W B 12 Y L+ W++ C+ I T+ A- E H++ V- F Q P+ B+ PA+ PL SC Minke: SI W+Cp B 3 Y L W+ C++ I T A- E H++ V++ F- Q- P B PA+ PL+ SC- On Mon 27 Feb 2006 10:42:28a, Thus Spake Zarathustra, or was it David Stevenson? >>On Mon 27 Feb 2006 04:02:44a, Thus Spake Zarathustra, or was it David >>Stevenson? [quoted text clipped - 21 lines] > I would not know about bad insurance. My pet insurance covers all > emergencies. It's probably just another of the differences between the UK and the US. I haven't seen a policy in the US yet that offers really good coverage. SignatureWayne Boatwright o¿o ____________________ BIOYA
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