Post # 1
Just because I’ve been reading a lot of pet-related posts, I wanted to make sure everyone was aware of Vetrinary Insurance. It’s essentially health insurance for your pet.
This one is very good and, when you break down the costs, its very reasonable: http://www.petinsurance.com/ (VPI).
If you can lump sum your payments, you’ll end up paying even less each year.
That way, if something happens to your pet, you don’t have to make any hard choices: you can simply get him/her the medical attention he/she needs immediately.
I don’t work for them & I’m not affiliated in any way shape or form. I am aware of it because most people in my office started using them (almost everyone here has dogs)
Post # 3
CareCredit is also a great resource to have if you’re in the US and are hit with an unexpected large vet bill. It has saved a few of my pets’ lives.
Edit: This is their website. CareCredit also covers “people expenses” as well, but I used it 100% solely as a veternarian credit card.
Post # 4
Wow – awesome info! Thank you!
Post # 5
I’m actually looking into VPI. I used to just have preventative insurance for my girl but it wasn’t cutting it.
Post # 6
We have Trupanion and have a great experience with it
Post # 7
Post # 8
commenting so I can check it out when I get home.. — Thanks!!
Post # 9
@DeadlyNightshade: I’m partial to them because years ago I broke down their finances (for a related job, again, no affiliation) and I figured out it was a good deal. If they are still using the same actuarial models, it’s worth it.
Following me looking into it, my boss (an actuary) purchased insurance for all 3 of his dogs
Post # 10
Thank you for reminding me – I’ll check it out when I get home 🙂
Post # 11
I would be very careful and read all the fine print before going ahead with any sort of pet insurance. Some of them are very strict on what they will and will not cover, or what they consider heriditary. For example, even the most expensive plan for VPI does not appear to cover hip dysplasia. Some places also require you to pay for the initial costs and then reimburse you – which is obviously an issue if you don’t have the money to pay up front.
Personally I think most people are better off putting $50 in a savings account every month in case of emergencies, rather than paying for insurance.
Post # 12
Your post reminded me that I needed to send in a VPI claim form for my poor, sick chi!
I dont think that pet insurance is necessary, but it is a good backup and a good splurge for security. Our bill for a doctor’s visit and some antibiotics was around $160. If that number scares you, check out insurance which is around $25 a month for my small dog.
Post # 13
@ohmybears48: +1, definitely not necessary, but it’s a “nice to have”