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Bailey's Mummy 11-12-2006 05:50 PM
Pet Insurance
 
Am considering getting pet insurance for Bailey. Does anyone have insurance for their pets?

In your opinion is it worth it?

BabyFidgette 11-12-2006 05:53 PM
Great post! I've been pondering about getting VPI for months now. I'm very interested in up-to-date info too! :D

romeos mommy 11-12-2006 05:55 PM
me too!

Lola LaRue 11-12-2006 05:55 PM
Guys I am a huge proponent of insurance. Send me a private message if you need any advice. We have VPI and it has been a godsend.

simonandhallie 11-12-2006 05:57 PM
I have VPI for both Simon and Hallie and couldn't live without it. It is totally worth it and I would recommend it to anyone! I've had it for 3 years now and LOVE LOVE LOVE it!

Bailey's Mummy 11-12-2006 05:59 PM
Can I ask roughly how much it costs in the US?

Its a pretty new thing here in Aus and its not cheap! Costs about the same as health insurance for me!

romeos mommy 11-12-2006 05:59 PM
is it like an hmo with a copay or do you have to submit bills to get reimbersed???

BubblPopElectrc 11-12-2006 05:59 PM
I figured out the costs versus just paying my own money, and the only way I figured it would pay off is if (god forbid) something horrible happened and it costs $$$.

simonandhallie 11-12-2006 06:02 PM
I have always paid and then been reimbursed (a lot) but I know that some vet's will take payment directly from VPI.

I pay $62 a month for both of them (total). It seems like a lot but it is so worth it. When Simon had surgery they paid all but $200! And I also use it for vaccinations, annual exams, emergencies. I've been really pleased.

romeos mommy 11-12-2006 06:04 PM
Quote:
Originally Posted by simonandhallie
I have always paid and then been reimbursed (a lot) but I know that some vet's will take payment directly from VPI.

I pay $62 a month for both of them (total). It seems like a lot but it is so worth it. When Simon had surgery they paid all but $200! And I also use it for vaccinations, annual exams, emergencies. I've been really pleased.
i'm going to look into it. i'd like to find a vet that takes direct payment. thanks.

Lola LaRue 11-12-2006 06:05 PM
I just pm'ed you guys a little note about my experience. We pay $31 a month for Lola. We pay the vet and then I send in a claim. The whole process usually takes about 1 month. I think I heard that on average, they cover 40% of visits.

Lola LaRue 11-12-2006 06:06 PM
I forgot to mention that most vets offer care credit. This is a credit card that you can apply for to cover vet bills. The cool thing about this is that we had no interest for a year. This made it easier to pay off after Lola had her orthopedic surgery.

Bailey's Mummy 11-12-2006 06:32 PM
Hmmm I just found one that is offered by the RSPCA (big animal welfare organisation in Australia) and 20% of your premium goes towards funding their work...definately worth it!

The premium is A$45 a month


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