 You Never Know If You'll Need It...
I have VPI (Veterinary Pet Insurance). The policy has paid for it's self many time over for me. Not only does it cover rutine care like vaccinations, check-up and dental. It also covers blood work, micro chipping and veterinary visits to specialists.
Jewel was perfectly healthy until May. Her illness came on suddenly and we had MRI and Spinal Tap done on Jewel. The bill was over $3,000.00 and we received a check from VPI for over $ 1,600.00. In the course of trying to find out what was wrong with Jewel we must have spent close to $4,000.00. I don't know how I could have paid all my bills with out it.
I pay $32.00 per month for her coverage.
The amout of the claim reimbursement depends on the treatment. They do not cover medications.
The premium does get higher as the pet ages but they do give mutiple policy discounts.
They do exclude any pre-exitsting conditions so get on the plan early in your babies life. It really pays for new puppies needing vaccinations and spay/neuter.
Only draw back is YOU have to do all the work. Get the doctor to sign the claim form, fax or mail the claim with a copy of the bill, keep records of the claims you made and follow up on claims that takes a bit longer. We have had claims declined but got them resolved with a phone call.
Hope this helps you. Sorry I got a little carried away! But my experiance with Jewel has made me a 100% backer of insurance. You never know if you are REALLY going to need it! |