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Cat Forum / General Topics / January 2004Pet Insurance Works!
A month or so ago Isis fell down some steps and conked her head. She had some seizures immediately thereafter. All is well and the seizures were temporary and a result of the fall. She had an exam, a blood workup, and x-rays as well as drugs. The good news is that I just got a check from my pet insurance guys. The vet bill was $361.62. They sent me a check for $247.11. I pay about $17.00 a month. www.petinsurance.com - it worked for me! Mike in Illinois At $25/month or $750/ yr - I'll take my chances. Granted, last year the animal vet bills were alot more than that for my cat and dog, but that was because of' 1. I found the dog abandoned and she had to have all vaccines as well as Spaying 2. The cat had her leg amputated due to cancer 3. The dog had a series of UTI problem But - all said and done, the cats amputation and meds were covered and she only cost me about $200 in annual visits and xrays for the precancer treatment. The dog cost about $500 in her costs. So still, it came out less than the insurance. II think I'll stick with my vet and her care than insurance. > A month or so ago Isis fell down some steps and conked her head. She had > some seizures immediately thereafter. [quoted text clipped - 8 lines] > > Mike in Illinois My annual insurance costs are $17.00 x 12 = $204.00. If I had two animals at $34.00 a month the total yearly cost would be $34.00 x 12 = $408.00. I like the concept because it is an inexpensive way to avoid the knotty problem of having to choice between an expensive course of treatment and euthanasia. Mike in Illinois > At $25/month or $750/ yr - I'll take my chances. > [quoted text clipped - 26 lines] > > > > Mike in Illinois >My annual insurance costs are $17.00 x 12 = $204.00. If I had two animals at >$34.00 a month the total yearly cost would be $34.00 x 12 = $408.00. [quoted text clipped - 4 lines] > >Mike in Illinois Remember the way insurance works. Insurance companies don't make money paying claims, they make money NOT paying claims. If a company is writing pet insurance somehow they are taking in more money than they are paying out. Maybe they are declining to pay the claim, maybe you are paying alot more in premiums than they are paying in claims, I have doubts about whether pet insurance is worth the investment. -------------------------------------------- "It took us 15 years to McGyver this thing." -------------------------Carter on Stargate To send me e-mail exorcise NO Spam from my e-mail address. You know, guys, I think you should look at this company. They have an exhaustive list of conditions they will pay out for. My vet reviewed the list and remarked that it was just about everything. I have been reimbursed $250.00 for $360.00 in emergency services. In other words, I just broke even for fourteen months' of premiums. I don't want to "win" on this policy because winning means I have a sick cat. But if this knuckleheaded cat of mine develops a serious disease or goes flopping down some steps and breaks a leg it's nice to know that a chunk of my costs will be reimbursed. Sometimes people come out here complaining about the high cost of medical care for their cats in emergency situations. Yes, veterinary care is expensive. I'm very happy to pay $17.00 a month just for the peace of mind I have knowing that I will be able to manage in a situation where Isis gets ill or seriously hurt. It takes a lot of pressure off me when it comes time to make decisions. To each his own but if you look at the list of conditions that petinsurance.com covers you'll see it's quite comprehensive. Here's a portion of their reimbursement schedule. If my wacky cat swallows a safety pin I can get $1,363 in reimbursement for surgery, etc., etc. I have a client who just incurred over $1,000 in medical costs for her ferret. I don't know if these guys cover ferrets, but the point is vet bills go up rather quickly. This minimal monthly payment works well for me. Mike in Illinois 1222 Gastritis $357 1224 Gastric Torsion $1,993 1243 Intestinal Foreign Body (Surgical) $1,363 1290 Liver Disease $409 1303 Lacerations $501 1306 Abscess $378 1447 Pneumonia $588 1802 Bladder Infection $270 2019 Feline Leukemia / FIV virus infection $519 1802 Bladder Infection $270 2020 Fever (unknown origin) $278 2107 Conjunctivitis $172 2205 Epilepsy $326 2206 Disc Disease $371 > >My annual insurance costs are $17.00 x 12 = $204.00. If I had two animals at > >$34.00 a month the total yearly cost would be $34.00 x 12 = $408.00. [quoted text clipped - 20 lines] > To send me e-mail exorcise NO Spam from > my e-mail address. >To each his own but if you look at the list of conditions that >petinsurance.com covers you'll see it's quite comprehensive. Here's a >portion of their reimbursement schedule. If my wacky cat swallows a safety >pin I can get $1,363 in reimbursement for surgery, etc., etc. And then your premiums the following year will go up if it's not cancelled outright. Insurance companies don't like paying claims or loosing money. -------------------------------------------- "It took us 15 years to McGyver this thing." -------------------------Carter on Stargate To send me e-mail exorcise NO Spam from my e-mail address. > My annual insurance costs are $17.00 x 12 = $204.00. If I had two animals at > $34.00 a month the total yearly cost would be $34.00 x 12 = $408.00. [quoted text clipped - 4 lines] > > Mike in Illinois I considered insurance, but the policies I looked at all had defects such as specific lists of covered problems (which left out quite a number of possibilities) or limited lifetime coverage. I opted to self-insure by setting up a savings plan for my two. I have deposits made to that account automatically, and it is only for emergencies or fairly expensive procedures -- not for routine exams or even minimal-cost health problems. MaryL |
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