Posted 02 June 2005 - 10:17 AM
But it would depend on what your dog does that might put it at greater risk than the average couch potato, and your financial resources.
Deanna in OR
Posted 02 June 2005 - 10:57 AM
I get VPI insurance, but there are a bunch of different providers out there.
Posted 02 June 2005 - 11:11 AM
that said, if you are good with money, you may be better off putting the money into a seperate bank account for a doggie emergency fund. certainly if i added up all of my dogs and cats premiums over the years, and subtracted the claim for molly (this was the first time in 7 years i have needed to claim), i would have had a whole lot of money left over. however, i am crap with money, so i have the insurance for my own piece of mind.
'i still remember the day you said
that the river flowing through my head
would take me far or leave me dead
and all you said was true'
Posted 02 June 2005 - 02:18 PM
Posted 03 June 2005 - 12:26 AM
I use Petplan over here who have been absolutley brilliant I would really recomend them. I had a cheque off them within a week for Cai's OCD operation.
Posted 03 June 2005 - 10:19 AM
But it certainly is something worth considering, since Vet cost are totally out of control these days. I just spent $225 on a little bunny that only weighs 2.51 lbs., just to have some blood drawn and a potential diagnosis!(that's ~ $100 per lb...hahahahaha!)
Phoenix - 8 y/o male BC my whacky wonderful boy!
Bree - 6 y/o female Terrier Mix Lover of Life!
Rose...My precious little black & white fur baby girl...15 wks.. as of Aug. 2013
Pippin - my little boy Cockatiel 1 y/o ...Mr. Attitude!
Navi - my sweet, squeaky Guinea pig boy ...never asks for much but gives a lot!
our newly rescued box turtle - Gimli
and our tank full of fish!! WHEW!
REST IN PEACE MY BABIES ((HUGS))
Sitka -our big Akita girl with attitude (crossed Rainbow Bridge July 2012)
Thumper & Pika- bunny buddies (crossed Rainbow Bridge 2011)
Bashful- our turtle friend of over 25 yrs! (Rainbow Bridge 2010)
& Fishes Fanny and Gandalf 2012 ((hugs))
Posted 03 June 2005 - 10:25 AM
You can pay twice the premium and get twice the coverage for their premium coverage. You can pay an additional fee to have basic care (vaccs, flea treatment, etc) covered or partially so. You can also pay for additional cancer coverage.
Pre-existing conditions and some breed-related conditions are not covered but you can find all of that information on their website. Google Veterinary Pet Insurance and you can get all of the details and a premium quote.
Posted 03 June 2005 - 10:26 AM
I end up paying about $120/month because I have 3 cats I have it on as well...so for multiple pets it can get pricey. But it is worth it for your piece of mind; at least I think so.
They didn't exclude anything on his coverage, but they will for some well-known breed disorders.
edit to add: Irayburn - I guess we posted at the same time!
Posted 12 June 2005 - 06:14 PM
Nik, what part of Mississippi are you in? jackson here
Posted 12 June 2005 - 11:37 PM
If Kitch put $120 away every month, at the end of the year that would add up to $1440, plus some interest. Call it $1450. That would have covered me for all but two of my very worst years, paying for between two and six dogs and one or two cats -- not just one dog and three cats.
In a typical year, for one dog and three cats, I would probably spend between $300 and $500 on veterinary care. So if nothing out of the ordinary happened that year, I would go forward into the second year with at least $950 in the account, drawing interest, and having $120 added to it every month.
Of course, there might be situations where your luck goes bad and the savings account won't cover everything. That's how insurance companies work --they spread that risk over thousands or millions of insureds, and invest the premiums to make their profits. You have to be willing and able to stomach the risk to adopt my system. However, the risk isn't all that great with pets. The most expensive procedures are not likely to cost more than a few thousand dollars, and chances are that they won't come until you've been socking money away for a few years.
I had one dog who needed both ACLs done in her lifetime, which spanned 14 years. If I had been putting $35 per month away for her veterinary care all 14 of those years, I would have had $5880, plus interest, so call it $6,000, which would have more than covered all her veterinary care for her entire life, inlcuding the ACLs.
I've had one dog get a stick lodged in her side while gathering sheep out of a brushy area. The surgery and follow-up care cost nearly $2,000. She was five at the time.
I suppose it's a matter of preference, but I would just as soon keep insurance companies out of the veterinary business. They've done nothing but spin human medical costs out of control -- every GP needs 1.5 staff people just to handle insurance paperwork. And then there's the cost of overhead for the insurance companies themselves, which is huge.
Perhaps the most important thing is that because so many people are covered by health insurance, there's no market pressure on the fees for human health services. Of course, it comes out in health insurance rates, but for most people that's something the employer pays, so they don't really consider it.
I'd hate to lose market pressure on veterinary fees because people are out of touch with what things cost. It's important to keep a little perspective on what we pay for veterianry care for animals.
I get a lot more peace of mind having money in the bank than I do from an insurance policy.
Posted 13 June 2005 - 02:50 AM
I know nothing with any certainty, but the sight of stars makes me dream.
~Vincent van Gogh
New Kent, VA
Beloved, and living in memory: Willow (6/1997-5/2014, run free, my heart), Boy (3/1995-10/2010, RIP), Jill (8/1996-5/2012, RIP), Farleigh (12/1998-7/2014, RIP), Kat (4/2000-6/2015, I miss you, my sweet, funny little clown), and Twist (11/2001-11/2016, you were my once-in-a-lifetime dog and forever my BEST girl)
The current pack: Lark, Phoebe, Pipit, Birdie, Kiskadee (Kiss), Rue, Corbie, and Kite!
Willow's Rest, Tunis, Tunis mules, Leicester longwool, Teeswater, Border Leicester, and Gulf Coast Native sheep
Visit me on Facebook at Poudrier and Crowder, Set Out Specialists (P&C, SOS)
Posted 13 June 2005 - 04:24 AM
In the long run, you will always end up paying the insurance company more money (that is why they are in business, after all) but insurance is more for piece of mind, than anything else.
Posted 13 June 2005 - 09:35 AM
To Bill: Thank you for that breakdown. It helped me understand my options a bit more. I'm probably one of the dumbest people on earth when it comes to understanding insurance mumbo jumbo.
ms3t97: I'm in a little town called Picayune. It's about 45 min. NW of Gulfport about 5 min. from MS/LA border. Nice to meet a fellow Mississipian here!!
~Cherish yesterday....dream of tomarrow....live for today~
Posted 13 June 2005 - 12:18 PM
From the VPI standard benefits page, I would have been allowed $141 for the treatment, $131 for testing, and $99 for anesthesia. That adds up to $371. The additional $1621 would still have come out of my pocket, unless I'm reading something wrong.
I was also looking at the fee schedule for the routine stuff, and it allows $15 for prescription heartworm medication. Per year. That's something that costs about $5 per month for most dogs, and most vets recommend dogs being on it 6 to 12 months a year.
Comprehensive physical exam. $10. You'll probably have to shell out $40 to $70 on top of that benefit.
I don't know, but this VPI plan sure sounds like a bad deal, and I think it may be giving some folks a false sense of security.
Posted 13 June 2005 - 10:24 PM
During that premium payment year, I would have paid $330 on Bess, so the insurance would have saved me less than $4 on the most expensive procedure that I have ever had done in 15 years of owning up to ten dogs.
Kitch, did they actually pay most or all of what you submitted? If so, I must be misunderstanding something on their website.
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