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02-11-2012, 12:41 AM | #1 |
YT Addict Join Date: Feb 2011 Location: Middlesbrough, UK
Posts: 274
| canceling pet insurance... after debating for ages and ages with my fiance we have decided to cancel... im canceling because the vets want the money straight away and then the insurance reimburse the money which we had no idea that was the case! we cant afford to pull large amounts of money out of the air so we would be in the same boat :S it just makes insurance pointless....
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Welcome Guest! | |
02-11-2012, 05:43 AM | #2 |
YT 3000 Club Member Join Date: Apr 2011 Location: NY
Posts: 6,582
| Put some money in an account for you dog every month. At least you will have something put away if something come up. Just don't let yourself touch it for any other reason. |
02-11-2012, 06:14 AM | #3 |
BANNED! Join Date: Jun 2010 Location: Washington DC
Posts: 4,183
| I have been struggling with the same decision since I got Riley 1 1/2 years ago and I got Trupanion. I'm paying $43 a month. I had to use it a couple of times and got reimbursement in about 7-days. I can't remember what I started off paying, but they raised the rates after 1-year. If they raise them again this year I am going to Seriously think about canceling. |
02-11-2012, 06:33 AM | #4 |
And Rylee Finnegan Donating Member Join Date: Apr 2007 Location: Metro Detroit, MI
Posts: 17,928
| Do what you think is best for your family. Vet offices can't be in a positin to bill insurance companies, because then as the pet insurance market grows (and it is), they would have to have a billing/collections department. The average vet office can't do that. And if they just let you file the claim and get the money back, then how would they be sure the vet is getting paid... It irritates me too, because it makes making payments to a vet less possible if you qant your refund right away. It seems that this is the only way it can be set up though. It would be good to have a credit card to charge, and then when teh refund comes in, pay the card off.
__________________ Crystal, Ellie May (RIP), Rylee Finnegan, and Gracie Boo🐶 |
02-11-2012, 08:21 AM | #5 |
Action Jackson ♥ Donating Member Join Date: Dec 2008 Location: Maryland
Posts: 17,814
| I never did insurance - wasn't sure it was even worth it. Because so many have little stipulations about what they cover and this and that. I would be the one to pay insurance monthly for 3 years and then have Jackson get something they don't cover or something lol. I don't know, just my luck. I am pretty sure I did the math once and recall that I wouldn't have really saved anything by having it. I think the only benefit would be if you are not expecting a big charge and have to do it because you have no choice, and then obviously getting reimbursed helps, but in general I added up how much I'd be paying per year and it totaled to more than what his medical bills were anyways. So yeah. I see the benefits but I've always just sucked it up and drained out my bank account which is not fun either. So I dunno. My plan is begin to begin putting some money away weekly or monthly and starting an emergency fund account.... I think this would work better for me.
__________________ ~ Brit & Lights! Camera! Jackson! CGC ETD TKP ~ Follow Jackson on Instagram: https://instagram.com/jacksontheterrier |
02-11-2012, 12:22 PM | #6 |
Hook Em! Bevo & Mack Donating Member Join Date: Feb 2011 Location: Texas
Posts: 3,752
| I love our insurance... Have it on all 4 babies.... Luckily For me, my vet would gladly hold a check for a week Or two until insurance reimbursed if I needed him to!!
__________________ Kendra Bevo and Mack & grandpups Bryleigh and Jaxon |
02-11-2012, 01:11 PM | #7 |
BANNED! Join Date: Jun 2010 Location: Washington DC
Posts: 4,183
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02-11-2012, 03:44 PM | #8 |
Senior Yorkie Talker Join Date: Nov 2010 Location: Tucson, AZ, USA
Posts: 217
| If you didn't have the money to pay upfront for a large vet bill, you could apply for the care credit. At least with the insurance you would only pay your deductable and you would get everything else reimbursed and then pay off your care credit. To me I think its worth it. A couple months ago Furgie was really sick. I have petplan, bill was @300...I paid my $50 deductible and got everything else back. If she ever has another issue with "colitis" again, I don't have to pay the deductible again and will get everything reimbursed.
__________________ Mindy and Furgie |
02-11-2012, 03:51 PM | #9 |
Katie Scarlett's Mommy Donating Member | We debated getting insurance, but have just set up a separate savings account for KS at the bank if need be. We put just a little in it each week, but it is growing. So I hope it will be enough if we ever need to dip into it. Thankfully, we have a wonderful vet who would allow us to make payments if there was no other way, but I hate to do that too. We could always put it on the credit card I guess but another thing I hate to do. So I hope putting back this money will help us if we ever need it. We put back anywhere from $10 to $30 a week. It doesn't seem like much at the time, but it will grow.
__________________ Aymee & Katie Scarlett |
04-10-2012, 11:43 AM | #10 |
BANNED! Join Date: Jun 2010 Location: Washington DC
Posts: 4,183
| Well, I ended up cancelling Trupanion 2-months ago... Now I just have that $43.77 a month put into a Savings Account, which earns interest, which I have set aside for him. I also add $100.00 a month to that account… and he has his own Mastercard, so we should be okay in the event anything were to happen. |
04-10-2012, 11:57 AM | #11 | |
and Khloe Mae's too! Donating Member Join Date: Feb 2009 Location: Eastern Washington
Posts: 14,732
| Quote:
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04-10-2012, 11:58 AM | #12 | |
I ♥ Joey & Ralphie! Donating Member | Quote:
__________________ NancyJoey Proud members of the CrAzYcLuB and YAP! ** Just Say No to Puppymills – Join YAP! Yorkshire Terrier Club of America – Breeder Referrals | |
04-10-2012, 12:04 PM | #13 |
YT 2000 Club Donating Member | That sounds like a good plan. But just as an example how quickly things can add up: Zoey who is not even 4yrs old has cancer; to date over the past two wks we have spent $1500, her first six months of treatment are forecasted to cost $5000, and that is baring unforeseen emergencies. Magic's b ack injurie sustained 3yrs ago, has cost about $10K and last year I stopped counting. Karma the cat is the cheapest so far his medical condition has put as back only about $1k. Razzle has no medical conditions; but all his pre breeding tests are ~$1K. We have recently reviewed our doggy account(s) and have decided to add another $250 a month. I am seriously considering with my next puppy to buy a good insurance plan; but it would have to cover a whole slew of things. Also as a further note: We will be doing titering on our oldest dog and that will be another $400 or so. I don't want if I can help it give him another vaccine over his lifetime. He is entering his mid/late years. So just regular vet care can go up. Razzle: gets all his shots separately and that bumps the bill up by an additional vet visit each time. Zoey: I have no idea what we shall do with vs a vs vaccines and most particularly heartworm. I have to talk with the oncologist about the heartworm meds.
__________________ Razzle and Dara. Our clan. RIP Karma Dec 24th 2004-July 14 2013 RIP Zoey Jun9 th 2008-May 12 2012. RIP Magic,Mar 26 2006July 1st 2018 |
04-10-2012, 12:27 PM | #14 | |
BANNED! Join Date: Jun 2010 Location: Washington DC
Posts: 4,183
| Quote:
Yikes!! Yeah, they can add up quickly... just the yearly check-up alone with blood work is a few hundred.... and then the heartgard and frontline plus. This is another reason I only have one. The main reason being I live right in the middle of the city, and he comes pretty much everywhere with me. It's easier, for me, to travel with only one. But we get out just about every other weekend for our Yorkie Meet-ups and other small breed meet-ups. Re: Razzle... they charge you a vet visit per shot?? my old vet used to do that....[It would be $70 a pop just for walking through the door...].... but I confirmed with my new vet if I want to separate his shots in a few different visits, they will just charge for the shot and not an additional visit. | |
04-10-2012, 12:32 PM | #15 | |
Donating YT 500 Club Member Join Date: Sep 2009 Location: Long Island, New York
Posts: 5,891
| Quote:
I have never had pet insurance, but there is so much more that can be done medically today than in the past. I believe strongly in getting insurance when a pup is younger and has no or few pre-existing conditions. I have read many threads on YT about insurance and have been saving information on my computer about it. I think gemy makes an excellent point about medical expenses mounting up quickly. Ann started a thread a couple of years ago about health insurance that I found very valuable. Dr. Paula Terifaj, a vet in California, was researching health insurance for her own pup. The links below are the thread that Ann started and the result of Dr. Terifaj, DVM's search for pet insurance. It may take a while to get reimbursed, but the fact is, you are reimbursed if you have a good plan. Make 2010 The Year Of Affordable Pet Health Care! http://www.yorkietalk.com/forums/die...rifaj-dvm.html
__________________ Lisa and Katie Ashley 6/10, Gracie 2/04, Kiwi 10/03, and Jolie 7/93 . | |
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