how many of have it, and if you do what company do you use? i'm thinking of doing this...
i searched for our dogs and found that vpi was the best out of the options available, but i've noticed that there are some new ones so i'm not so sure if it's the best still. we didn't end up getting pet insurance, though, because you have to pay up front and then file a claim and then the insurance company reviews it and reimburses according to the benefit schedule allowance or the invoice amount. so instead we just put a little aside here and there to pay for vet visits or anything unexpected.
gooood idea sam.i.am. thank you so much for saying that. i would say that's the best way to go. it's very expensive for the insurance (like $40 a month) and the coverage is good, but i feel like the same amount if not more could be saved over the years without it.
if you have one or two pets it's great but more than that it's almost not worth it because it's so expensive to pay month to month.
We don't have it (but wish I knew about it before all the puppy vet bills) but my FI's work offers a pet insurance through their insurance company, it is only around $15 a month. I am not sure all that it covers since we didn't know about it until after we paid all the vet bills (puppy shots, getting fixed ect) but if we get another dog we will be! As your employer or look in your handbook.
I have this thing called "Care Credit" I got it whe nI had dental work done ...and I can use it for kids , spouse , and pets
Unfortunately I cannot find a vet who will take it ... so whatever you get check with your vet first and make sure they take it
I don't have insurance, but I go to Banfield Pet Hospital (they're in Petsmart), and they have something called a wellness plan. You pay monthly for the pets basic care. It covers shots, office visits, dewormer, heartworm tests, etc. It keeps me from having to shell out a ton when I take my dog to the vet. I pay around $20 a month, and that covers a bit more too since my dog has some health problems.
care credit, like niecy said, is another idea (aside from/in addition to saving a little bit monthly ;D). it'd make bigger vet bills easier becuase it's like a credit card you use to pay the vet and then you just monthly payments to the card instead of having to pay the whole vet bill out of pocket. (that's how it was explained to me anyways.) and you can go to care credit's website and look for a vet in your area.
i use vpi, they have been really good to me.
We have VPI for our little man. I'm so glad we did. Our little guy was in our house when some idiot set it on fire! He's a little chihuahua and it doesn't take much to disrupt their respiratory system. He had really bad smoke inhalation. He even had to go in an incubator for a week! He pulled through with out a burn, just some ashed fur! We did have to pay up front, but since we kept up with all of his visits we got out money back!
We use the insurance the ASPCA has and we're really happy with it. It can pretty much be used with any vet and it covers 80% of most of our costs, from routine vaccinations to his neuturing to illnesses. One of the few limitations is that it doesn't cover "cosmetic" things - teeth cleanings or any surgery that's solely to enhance the appearance of the dog.
Our dogs and cat are on a wellness plan at Banfield (the vet hospital associated with petsmart) and the plans have saved us two times this year! You pay an amount $12.95 and up and it covers all vaccines, office visits, two comprehensive exams a year etc etc.
My dog had to have a major surgery yesterday to get a cyst that was growing on his main artery removed. The procedure would've cost us 1200 dollars, but with our plan we only paid $200
The problem we found with the insurance companies such as VPI and ASPCA, is you have to pay the entire bill up front. We don't have the cash to do that. So the banfield option was far more reasonable for us.