From the article: Pet Heath Insurance - Is It Worth It?
Insurance for pets has been available for 20-plus years, but for most pet owners, the concept of pet health insurance is still relatively new. The variety of coverage plans, while encouraging, are often viewed with confusion and even suspicion as far as actually reducing the costs of pet care.
Do your pets have health insurance? Have you had to use the insurance for your pet's care? See what others have said about pet insurance. Please share your thoughts about pet health insurance, and offer any tips that you may have.
Please note: questions or responses to others cannot be published. Share your experiences
Complete Waste
- I've been paying for health insurance for my one Dog. $55/month had to be the best plan i could pick from. It's been about 10 years, and they have probably paid at most 200$. Everything is an excuse with them, nothing is covered, and what is covered, they give you about $50 when I submitted an $800 claim. I really don't notice the $55 a month, until i sit down and noticed I've paid over $6,000 dollars for insurance, and all they've paid for was a total of about 300 dollars in the last 10 years. And this is annual checkups, neutring, and one teeth cleaning, and two sets of bloodwork. I understand accidents happen, but you are better off saving that money OR EVEN putting it on a credit card. My recommendation, don't waste your time and money. Pets don't complain when something is wrong, so the little times we do take them its important. So when I submit a claim, I'd think they'd actually pay some of it.
- —Guest Alexander
Yes to Pet Insurance
- Hi, I think that Pet Insurance is a great idea. To do more research go to www.trupanionpetinsurance.com. I went there for research and eventually got my insurance through them! I had to pay upfront for the bill but when I filed my claim I got reimbursed within a week! I know that saving money in a bank account seems reasonable but at the same time, just to designate money for you pet can be difficult. I know from experience. But with the pet insurance they just charge me monthly, so I don't really notice.
- —Guest Susie
Don't waste your money
- I have had pet insurance for 10 years. I have 4 cats and been purchasing insurance from PetsHealth Care Plan. My oldest one had congestive heart failure in Feb of this year. He was in emergency care for 3 days at a cost of over $3K. I submitted his bill and was told they would not pay because it was a pre-existing condition. He had a heart murmur diagnosis 4 years ago and had never had a problem. But because of that they would not pay. I contested it and was denied again. Also denied were the medications for this. I have paid out thousands of dollars over the years to protect myself from just such a case. I would have been better off saving all the premiums in bank account over these years. I live in NY and will be putting in a claim with the NYS which oversees scams such as this. It has always been a struggle to get reimbursed for various issues with my other 3 cats from time to time. My recommendation is to save your money in a bank account, that's what I will be doing from now on.
- —Guest debra
No Pet Insurance
- I have a wonderful Labrador retriever, but I don't have pet insurance. Luckily, my brother is a veterinarian, and even though he doesn't live in the same state, it really helps to have his advice readily available. He's saved me several trips to the local vet with his advice on home treatments and doggie diets. If I didn't have a vet in the family, I would definitely consider pet insurance.
- —Guest Jean
