really need yorkie owners advice on this... i want to get pet insurance. shes 6 months old and has no existing health problems. can anyone help me as to which company is good? and do all vets take puppy insurance? thanks for any advice you can offer. |
If you do a search on here for pet insurance you will come across a few threads where this was discussed and may pick up some valuable information. I don't personally have insurance but I was considering it at one time. From my understanding, it doesn't quite work like our insurance where your doctor accepts it and the insurance company covers your bills. The way it works is you pay the vet costs up front and then the insurance company reimburses you later. Some people feel it is worth it and others don't so it is probably whatever is your personal preference. Also be aware that certain policies don't cover certain things like emergency care and medication or vaccinations. Be sure to read the policy to become familiar with what you are covered for. Hope this helps!! :) |
Nikko's human is so right. The pet insurance is not what it seems. When I got my first yorkie.... I brought insurance for her right away.... then she had a LS and I found out later they don't cover many things.... I heard not even if your dog was hit by a car.... So what's the point of insurance? And if they even cover a treatment.... it is their standard of how much they will pay. I live in NY and everything is so much more expensive but they will pay according to their fee schedule.... which is always much lower. |
For the cost of the insurance, you might be better off to put that monthly payment aside in a special vet emergency fund. Then if you need it you have it. |
Insurance companies can also assign different premiums to you depending on known conditions of your dog, like age and breed. Breeds with known chronic problems or genetic dispositions can cost more to insure than a breed with minimal problems. Older dogs premiums can cost more than younger dogs because they are more prone to problems as they age. check out the following pet insurance companies: www.petinsurance.com, www.petcareinsurance.com, www.petshealthplan.com . read the terms of their policy carefully making note of what's excluded, the annual and lifetime max, and the deductibles. you need to read the policy carefully and understand exactly what you are purchasing. some people buy the cheapest policy possible then find that the policy is really limited on what it'll cover. "routine health insurance" is different from "illness and accidental insurance". some policies will reimburse 100% up to a finite dollar amount per incident. some policies will reimburse a percentage based on what the vet actually charges. some will reimburse a percentage based on the actual charge OR usual and customary rate for the treatment (kinda like a PPO for humans) whichever is less. some have annual deductibles. some have a deductible per incident. some are tied to a specific network of vets and facilities and some are not. i don't find that to be the fault of the insurance company. it's their responsibility to provide you with the information you need to make an informed decision. but it's your responsibility to understand what you've purchased. but from my research, pet insurance that actually covers EVERYTHING (minus genetic and congential defects, and pre-existing conditions) costs a premium. i was previously quoted $50 a month for my yorkie. |
interesting article on pet insurance: http://moneycentral.msn.com/content/...nce/P76008.asp |
thank you all for the info. i was even thinking about what jeanie said about putting money away every month for an emergency. thanks again |
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