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Originally Posted by gemy  That sounds interesting. Catastrophic what is the definition per the policy? Would cancer count? Or do they mean things like car accidents or some such? |
Catastrophic meaning that I won't use it for most things. I chose a $1,000 annual deductible, 80% reimbursement, $5,000 annual policy limit and no drug coverage (drugs administered in hospital are still covered though). The cost of the plan is essentially paid for with the gain I'll have on the wellness package. So the $95/ year per dog drops to $89 for two dogs this year and then next year it will pay for itself when i choose the wellness plus. I have savings and access to credit, and really wanted it for bills over $1,000 a year. I'm using the term catastrophic but the policy covers genetic and breed issues, illness, accidents unless pre-existing condition. This means most things are out for teddy like epilepsy or his ortho issues but Winston will only have a patellar luxation which is a grade 1 anyway and unlikely to ever need surgery.