Flag

Q: Pet insurance

March 5, 2009 | By Dennis N. | 15 answers | Expired: 2043 days ago

Every time I go to the vet's office, I see information regarding pet insurance. I'm considering pet insurance for our cats. Could somebody please tell me their experience with pet insurance and if the recommend it.

Thank you!

Dennis

Readers' Answers (15)

1 | 2 |

  • Sort by:
  • Latest |
  • Rank
Franksid
Flag

Mar 09, 2009

I looked into it a few years ago and all they'd pay for was major things - it did not include the normal vet visits/tests. It's hard to say whether or not it's worth it: my last dog had lymphoma, so insurance would have been handy, but the 2 dogs I have now (10 years) have never had anything other than normal checkups.

Thumbs Up: 0 | Thumbs up!

Amber
Flag

Mar 05, 2009

I dont have it, but I'm not against it. Just read the fine print and understand what you are paying for then decide if it's worth it!

Thumbs Up: 0 | Thumbs up!

Alison L.
Flag

Mar 05, 2009

I got it a few years ago for my pets. I had it for over a year and I did not have the opportunity to use it. The plan that I had did not cover routine/shots vists. I don't have it anymore.
I believe there are different plans to choose from for your pet.

Thumbs Up: 0 | Thumbs up!

Nicole R.
Flag

Mar 05, 2009

I don't currently have pet insurance. I don't really see the need for it. Maybe someone could tell me why I need it?

Thumbs Up: 0 | Thumbs up!

Laura
Flag

Mar 05, 2009

I agree - research carefully as there are likely conditions that will not be covered on the insurance policy. I have heard of people who have pet health insurance and think it is great, so perhaps worth looking into.

Thumbs Up: 0 | Thumbs up!

Susan G.
Flag

Mar 05, 2009

Two of my cats are older and I never purchased insurance for them. It has worked out ok, because they have been very healthy. When I adopted two kittens (they are sisters), one had only three legs and I feared she may have other health problems as she grew. So far she has been healthy with only one medical problem being she gets stressed out when we travel and leave her home. After taking her to the vet I filed and claim and lo and behold they paid for her visit and meds without any problem. My insurance is with the ASPCA and so far I'm very happy

Thumbs Up: 0 | Thumbs up!

Mmffcp
Flag

Mar 05, 2009

My cat gets cronic UTI's and I've spent at least $1000 in 6 months. However, if you look at the pet insurance, most stuff isn't covered. I personally think it's a waste of money and I spend a lot of money at the vet. I read one of those brochers and realized how much it really doesn't cover. Pre-existing conditions is one of them, and what they consider is a condition is a completely different story. I personally would suggest against it.

Thumbs Up: 0 | Thumbs up!

Leah G.
Flag

Mar 05, 2009

I think you have to research them very carefully. I have friends who have pet insurance on their dogs, and some feel that it is helpful and others think it's garbage. I personally don't want to deal with ANY more insurance companies than I already have to, so I have been saving money in an account for my pets.

Thumbs Up: 0 | Thumbs up!

Kerramello05
Flag

Mar 05, 2009

I have VPI on both my cat and my dog. I chose to only get accident and illness coverage because I didn't feel that the math added up for the wellness plans. The cost of the wellness plan was more than I would normally spend in a year. Hopefully, the accident and illness is also much more than I would spend in a year (fingers crossed) but the peace of mind that I will be able to afford to get them the care that they need in case of an emergency is completely worth it to me.

One question that you do want to ask is what do they consider a pre existing condition? What I found is this. Some companies create their policies so that it covers a one year period. If your pet is diagnosed with a condition within that year, the condition will be treated. However, when the policy is renewed the next year, that condition will be seen as pre existing and will not be covered anymore.

Not all companies operate like that though. This is why I went with VPI. Only conditions that were present before I purchased the policy were deemed preexisting. Everything else will be covered for the life of my pets.

Hope this helps.

Thumbs Up: 0 | Thumbs up!

Catmc
Flag

Mar 05, 2009

I'm a vet tech and have heard from many insurance companies at conferences. I believe that Pet's Best insurance is probably the most comprehensive plan out there. The founder is a vet and started the pet health insurance business. From all the companies out there, this one most interested me. I'm thinking of getting insurance for my new kitty soon and this is were I'll be going.

Thumbs Up: 0 | Thumbs up!

1 | 2 |

You might also enjoy:

Got a question about your pet? Get the answers you need from Zootoo's community of pet experts and owners.

Advertisement

Advertisement