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12-01-2006, 02:24 PM | #1 |
Donating YT 1000 Club Member Join Date: Nov 2006 Location: wasco/bakersfield
Posts: 1,244
| Pet Insurance Hi I Was Wondering If Anyone Her Has Pet Insurance And If You Guys Think Its Neccesary? I Was Going To Pick Up A Poilicy For Me Pup And A Friend Of Mine Said I Was Crazy But Yorkies Arnt Your Typical Dog And They Do Have The Chance To Run Up A Vet Bill But Those Of You Who Do Have It Can You Tell Me A Little More About It? Thanks |
Welcome Guest! | |
12-01-2006, 03:37 PM | #2 |
YT 500 Club Member Join Date: Mar 2006 Location: Philadelphia, PA
Posts: 695
| I have it I have VPI for my pet insurance. It's about $20/month. My policy is the Superior Plan. It covers accidents, hospitalizations and other emergency items like that. If you go to this link it will give you a quote for your dog: http://petinsurance.com/ I've never had to use it (thankfully!), but I like knowing I have it. If Howie ever broke a leg or something I would have a hard time coming up with $2,000 on the spot. For me, it's worth it to pay the $20 every month and not worry.
__________________ Howie & Sarah Check us out on dogster: http://www.dogster.com/?327817 |
12-08-2006, 05:45 PM | #3 |
Senior Yorkie Talker Join Date: Jan 2006 Location: Tennessee
Posts: 214
| i have vpi pet insurance for LillyBelle. i pay it via payroll deduction from my work ha! just like my family's insurance. When I had LillyBelle spayed-they paid 70.00 of it, and when she had some shots and tests done a while back, they paid another 23.00. They pay part of her annual vaccinations as well, also part of the heartguard and i think a little on advantix, and covers routine shots. I just fill out their form, have the dr sign it, i fax it along with my bill to them. Within 24hr they usually send me an email saying they received the fax and they send me a reimbursement check in the mail. I figure it comes out about even through the year, cost vs what it pays for, and then if anything major ever happens it will cover some of that. You can go to their website and you can read the exact coverages/cost. I have been very happy thus far. |
12-14-2006, 09:53 PM | #4 |
Donating YT 3000 Club Member Join Date: Dec 2006 Location: Louisiana
Posts: 3,933
| Well I am thinking about it my quote was 16.25 for the Superior Plan and if I had the routine visits and vaccinations (which I want) it will bump up to 26.50 still thinking on it......
__________________ ~Christina~ Our human baby girl is HERE!! Luvin' My Prince Bailey Bailey's Dogster Page Bailey 's Gracie |
12-15-2006, 06:14 PM | #5 |
With Indy In My Heart Donating Member Join Date: Nov 2006 Location: Texas
Posts: 8,442
| I recommend getting it. I have it for Tink through VPI but I never got it for Indy and now that he's sick, it is costing big bucks that insurance would have helped with. You know what they say about hind sight! |
12-15-2006, 06:24 PM | #6 |
Donating YT 30K Club Member | I have it for Cali and it has helped. She was very sick as a puppy and even though they didn't cover her hypoglycemic epsiodes because she had one prior to her effective date so they ridered it out and they didn't pay for her Liver shunt related charges because they are considered genetic they still paid close to 1,000.00 out of 6,000.00 in bills. Hopefully you never have to use it but in case of major bills it's nice to have the help.
__________________ Cali Pixie Roxie : RIP Nikki; RIP Maya;RIP my sweet Dixie girl 1/17/08 http://callipuppyscastle.bravehost.com/index.html |
12-16-2006, 05:31 AM | #7 |
Izzy's Momma Too! Donating Member Join Date: Nov 2006 Location: Stuart, Florida
Posts: 8,799
| I dunno about the whole pet insurance thing. #1, you have to pay up front and they reimburse you a small percentage. #2, they won't cover anything that they've had before the insurance (like hypoglycemia, etc.), so you'd pretty much have to have the insurance in place before you even got the puppy to prevent that. #3, they don't cover anything genetic. IMHO, you'd be better off putting the money into a savings account and earning some interest on it rather than making some company rich. Chances are, you'll never need the money. And if you think about it, $25 a month can add up pretty well over a few years, especially with interest. It's not like they pay for the medical care, YOU have to have the money to pay it upfront and PRAY that they'll see their way clear to reimburse you a measly pittance of the money. So if you have a $6,000 vet bill, and they reimburse you $1,000, weeks later (if at all) woopdeedoo! I think it's a waste of money.
__________________ Tracy, Mom to Izzy and Luna |
12-16-2006, 06:35 AM | #8 |
Donating YT 2000 Club Member Join Date: Oct 2006 Location: FL
Posts: 7,651
| Do they have a catastrophic limit? An amount that you won't have to pay over for the year? My health insurance is like that. They only pay so much up to that limit. Once I have paid out-of-pocket up to my limit, they will cover everything over that. I like that part of my insurance most. I don't necessarily need it for the help with office visits but I am thankful it is there in case we have a medical emergency that runs into the tens of thousands. Insurance can be a waste of money if it only pays a little on some things. But if a person has no savings then it might make the difference between a vet providing service or not for something big and maybe elective. I would talk to the vet about the insurance and then weigh carefully the benefits vs. cost. First figure how it would work out if all goes well and you just have routine vet checks and vaccines. Then think of 2-3 medical situations and figure what this insurance would pay towards them. Then weigh how that would balance out over a 5-10 year period. Then decide if the help the insurance would provide would really balance out all the payments you will be making. Then you will know if it will be worth it.
__________________ FlDebra and her ABCs Annie, Ben, Candy Promoting Healthy Breeding to the AKC Yorkshire Terrier Standard |
12-16-2006, 06:44 AM | #9 |
Donating YT 2000 Club Member Join Date: Oct 2006 Location: FL
Posts: 7,651
| My last post was not clear -- the health insurance I was talking about that I have with a catastrophic limit is human health insurnace. I decided against the pet insurance. I think vet costs might be a little lower in the south too.
__________________ FlDebra and her ABCs Annie, Ben, Candy Promoting Healthy Breeding to the AKC Yorkshire Terrier Standard |
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