Quote:
|
Originally Posted by hunniebunnie pet insurance is the same as human insurance. you pay a monthly fee and you'll receive medical services at no additional charge or at a discount. Banfield's insurance is an HMO-like plan, kinda like Kaiser for humans. services are only covered if you go to Banfield. but it's cost effective and they have pretty decent coverage for typical care.
insurance companies like VPI are more PPO-like plans for humans. you can go to vets of your choice but the overall cost of coverage is a little more expensive for that flexibility. you get reimbursed for the amount you spend up to your coverage max which is usually a % of what you actually spend. |
What a simple yet terrific way to describe the difference! Kudos to you!