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Daisy42706 09-26-2006 07:40 AM
Pet insurance
 
Hi all...

Does anyone here use pet insurance..if so what kind? My husband and I are thinking about buying pet insurance for Daisy and my cat. I was reading about VPI insurance..if anyone has this one, is it any good?

thanks in advance for all the help!:cheer:

ARCHIE 09-26-2006 07:45 AM
I have VIP. I just took Buddy to the vet last month due to diahrea and the bill was $127.00. I had a $50.00 deductable and they paid $57.00. I thought that was good. I have the superior plan that does not include visits, shots or flea and heartworm meds. Hope that helps you. Carol

Laur 09-26-2006 07:46 AM
I have VPI for Diamond but honestly, I feel like I am paying MORE for the insurance as opposed to getting MORE money back from VPI. I have the Routine Care plus something else...I can't remember now.

I got Diamond spayed and it was around $200 and I only got about $50 or $70 back...which isn't much!

I think I am paying close to $30/month for it. :confused:

Shadow 09-26-2006 07:47 AM
Do you have the pay all the cost up front then the insurance Co. reimburses you?

ARCHIE 09-26-2006 07:49 AM
Quote:
Originally Posted by Shadow
Do you have the pay all the cost up front then the insurance Co. reimburses you?
With VPI you do. However, you can fax the paper work right over and forget the mail. You save .39cents. LOL Really it does make it easier to handle the paper work.

Dartprincess 09-26-2006 07:55 AM
I have VPI insurance also and like it. As for paying up front I do, sure some vet will bill them. I got the wellness plan for a $1.00 more a month helps pay for there yearly shots and check ups. I have had no emergency (thank God) but if there ever is one I'm covered.

Patti 09-26-2006 11:05 AM
I have VPI for Cali and have had major expenses with her and they have helped out. Some of her illnesses were preexisting and not covered. The way I look at it is I get it for major expenses. I oay 23.00 a month for the SUperior plan with no routine. A lot od Cali's expenses are around 50.00 so they don't exceed the deductible.

Tiger's Mom 09-26-2006 11:08 AM
Quote:
Originally Posted by Laur
I have VPI for Diamond but honestly, I feel like I am paying MORE for the insurance as opposed to getting MORE money back from VPI. I have the Routine Care plus something else...I can't remember now.

I got Diamond spayed and it was around $200 and I only got about $50 or $70 back...which isn't much!

I think I am paying close to $30/month for it. :confused:
I had VIP for both but twice I sent them the bill and did not get any. So I decided to just cancel and set aside that money for in case they do need to go to the doctor again . . . I used to pay about $50 for both.

Monday 09-27-2006 12:19 PM
Quote:
Originally Posted by Tiger's Mom
I had VIP for both but twice I sent them the bill and did not get any. So I decided to just cancel and set aside that money for in case they do need to go to the doctor again . . . I used to pay about $50 for both.
thatz exactly what happened to me ... and there were times I would forget to0 send the forms in ... and I kinda felt the vet charged more when he saw I had the VPI insurance .. I cancelled (right before they found Monday's heart murmur) ... here on Long Island everything is more money! I pay 35$ for a fecal ....

meguel24 10-05-2006 12:51 PM
I had VPI for the last year and I felt I I did not get back enought to justify getting it again. Here is a story. When I got Chewy, he was delivered via air plane to me and got sick from the move and developed some problems. I had enrolled in VPI several days before he arrived and when he was ill I didn't fear about the vet bills, but little did I know that VPI waits 3 weeks before starting coverage. So I spent about $700 in vet bills the first week I got Chewy and $300 for insurance. VPI did not cover one cent. In the last 11 months I think I spent about another $750 in various vet bills and got less than $200 in returned from VPI

BLowry 10-05-2006 12:55 PM
I checked out pet insurance yesterday..(I was on the petco site) it would be $74.00 a month (I have to furbabies) That's kind of expensive...especially where I'm not working right now..

BLowry 10-05-2006 12:56 PM
Quote:
Originally Posted by meguel24
I had VPI for the last year and I felt I I did not get back enought to justify getting it again. Here is a story. When I got Chewy, he was delivered via air plane to me and got sick from the move and developed some problems. I had enrolled in VPI several days before he arrived and when he was ill I didn't fear about the vet bills, but little did I know that VPI waits 3 weeks before starting coverage. So I spent about $700 in vet bills the first week I got Chewy and $300 for insurance. VPI did not cover one cent. In the last 11 months I think I spent about another $750 in various vet bills and got less than $200 in returned from VPI
kinda isn't worth it?

Tiger's Mom 10-05-2006 01:43 PM
Quote:
Originally Posted by BLowry
kinda isn't worth it?
Definitely NOT worth it

NIKITA & LILO 10-05-2006 06:16 PM
the first time I went to my vet, they had some kind of flyers on the window, I believe it was promo from Iams, that they'll cover up your first payment ( I think over $50) if you sign up with VPI . but it was too late for us BC I already paid for my insurance.
but it might be worth it for you if you are still thinking about buing it.


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