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11-12-2006, 05:50 PM | #1 |
Yorkie Yakker Join Date: Nov 2006 Location: Australia
Posts: 73
| Pet Insurance Am considering getting pet insurance for Bailey. Does anyone have insurance for their pets? In your opinion is it worth it? |
Welcome Guest! | |
11-12-2006, 05:53 PM | #2 |
Learn Yorkie CPR! Donating Member Join Date: Dec 2005 Location: New Jersey
Posts: 6,855
| Great post! I've been pondering about getting VPI for months now. I'm very interested in up-to-date info too!
__________________ Nicole & Baby "The more men I meet, the more I love my Yorkie!" |
11-12-2006, 05:55 PM | #3 |
YT 3000 Club Member Join Date: Feb 2006 Location: Pennsauken , NJ
Posts: 4,068
| me too!
__________________ Bernadette & Romeo |
11-12-2006, 05:55 PM | #4 |
Donating YT 500 Club Member Join Date: Jan 2006 Location: San Ramon, CA
Posts: 710
| Guys I am a huge proponent of insurance. Send me a private message if you need any advice. We have VPI and it has been a godsend.
__________________ Shannon, Lola Larue, Chewbacca Joseph(aka Chewy) |
11-12-2006, 05:57 PM | #5 |
I Love My Monkeys! Join Date: Mar 2005 Location: Falling Waters, WV
Posts: 11,166
| I have VPI for both Simon and Hallie and couldn't live without it. It is totally worth it and I would recommend it to anyone! I've had it for 3 years now and LOVE LOVE LOVE it! |
11-12-2006, 05:59 PM | #6 |
Yorkie Yakker Join Date: Nov 2006 Location: Australia
Posts: 73
| Can I ask roughly how much it costs in the US? Its a pretty new thing here in Aus and its not cheap! Costs about the same as health insurance for me! |
11-12-2006, 05:59 PM | #7 |
YT 3000 Club Member Join Date: Feb 2006 Location: Pennsauken , NJ
Posts: 4,068
| is it like an hmo with a copay or do you have to submit bills to get reimbersed???
__________________ Bernadette & Romeo |
11-12-2006, 05:59 PM | #8 |
Kyle Plus 3 Donating Member Join Date: Jul 2006 Location: Washington, DC
Posts: 6,929
| I figured out the costs versus just paying my own money, and the only way I figured it would pay off is if (god forbid) something horrible happened and it costs $$$.
__________________ Kyle (me), Britney, Brooklyn, and Coral |
11-12-2006, 06:02 PM | #9 |
I Love My Monkeys! Join Date: Mar 2005 Location: Falling Waters, WV
Posts: 11,166
| I have always paid and then been reimbursed (a lot) but I know that some vet's will take payment directly from VPI. I pay $62 a month for both of them (total). It seems like a lot but it is so worth it. When Simon had surgery they paid all but $200! And I also use it for vaccinations, annual exams, emergencies. I've been really pleased. |
11-12-2006, 06:04 PM | #10 | |
YT 3000 Club Member Join Date: Feb 2006 Location: Pennsauken , NJ
Posts: 4,068
| Quote:
__________________ Bernadette & Romeo | |
11-12-2006, 06:05 PM | #11 |
Donating YT 500 Club Member Join Date: Jan 2006 Location: San Ramon, CA
Posts: 710
| I just pm'ed you guys a little note about my experience. We pay $31 a month for Lola. We pay the vet and then I send in a claim. The whole process usually takes about 1 month. I think I heard that on average, they cover 40% of visits.
__________________ Shannon, Lola Larue, Chewbacca Joseph(aka Chewy) |
11-12-2006, 06:06 PM | #12 |
Donating YT 500 Club Member Join Date: Jan 2006 Location: San Ramon, CA
Posts: 710
| I forgot to mention that most vets offer care credit. This is a credit card that you can apply for to cover vet bills. The cool thing about this is that we had no interest for a year. This made it easier to pay off after Lola had her orthopedic surgery.
__________________ Shannon, Lola Larue, Chewbacca Joseph(aka Chewy) |
11-12-2006, 06:32 PM | #13 |
Yorkie Yakker Join Date: Nov 2006 Location: Australia
Posts: 73
| Hmmm I just found one that is offered by the RSPCA (big animal welfare organisation in Australia) and 20% of your premium goes towards funding their work...definately worth it! The premium is A$45 a month |
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