Posted: 2/12/2013 7:24:04 PM EDT
| Somebody info dump me on this subject plz. |
| Looking for a plan for my cat, but everything that actually covers anything worthwhile is about $30 a month that I've seen so far, and have about $150 deductible. I don't spend that much on the cat to start with per year, so basically I'd be paying $30 a month so I could also pay $150 if I needed it. Now if the cat got hurt real bad or something it would be worthwhile. My problem is, that I need something around $15-$20 a month to be affordable to me being on a fixed income. |
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Quoted:
Looking for a plan for my cat, but everything that actually covers anything worthwhile is about $30 a month that I've seen so far, and have about $150 deductible. I don't spend that much on the cat to start with per year, so basically I'd be paying $30 a month so I could also pay $150 if I needed it. Now if the cat got hurt real bad or something it would be worthwhile. My problem is, that I need something around $15-$20 a month to be affordable to me being on a fixed income. Yeah, that was my sense of it. Basically traumatic accidents are relatively rare and the plans to cover more common problems are both more expensive and full of coverage holes. |
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I've found the terms of carecredit to be helpful when dealing with catastrophic pet incidents.
http://www.carecredit.com/vetmed/ |
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Before my dog was two, he had to have double elbow surgery. Before that, for him and his sister, we'd been into the vet for procedures a few times - weed in the ear, etc..
I got to thinking about pet insurance. I sat down with a variety of plans, looked at what I would have paid in premiums for those two years of their life, looked at what portion of my bills they actually would have paid, and found that the best of them came out to be... A wash. Yep. The only ones that would have paid any significant money also cost so much that they offset any savings I would have seen. |
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Quoted:
What I heard when I last considered them(years ago) is they have a lot of clauses that allow them to get out of paying for things. I know a friend of mine had insurance on his dogs. He bred boxers. I had one of them, and got where I couldn't take care of him due to my finances from my health, and his health. He had started getting cancers and I couldn't afford to care for them, or afford the insurance. He took the dog back with him, ( I miss him Teddy Bear was such a sweet dog ), and his insurance covered him, and he's had a few surgeries. He's healthier now, and he has several children to play with all day long where I couldn't spend the time I needed to with him, his own pet cat that he cuddles and sleeps with, and he's an indoor dog now rather than outdoor. He's better where he is, even though I miss him and he does come by and stay with me on some holidays. I don't know what insurance he had, but he has money, so it may not be cheap anyway, but it does cover most everything and they pay well. The best thing might be to call around to some vets in your area and ask them what insurances pay the best and are the best value, and which ones they take. Also, whatever pet you have, may indicate what type of coverage you really need. |