anyone has PC pet insurance?

Winnie, look at this:

http://www.carecredit.ca/

They have it here to and someone on one of my cat health groups used it.
I've heard of it before and in fact, I'm going to do it because, while MY
vet would take payments from me if needed, the crunch comes from the
emergency vet and the one in my town takes this. I've had to use them twice
and it is pricey and they need payment right away. THere is no interest if
you pay in the smaller amounts of time. See if your vet is one that takes
it.


"MaryL" -OUT-THE-LITTER wrote in message
news:PKm_f.1521$EA3.1364@dukeread10...

"EvelynVogtGamble(Divamanque)" wrote in message
...


W. Leong wrote:

Does anyone has PC pet insurance in Canada? I think this is fairly new.
I appreciate hearing any opinion on this insurace.
Info can be found at
http://www.pcinsurance.ca/ROCEN/PI.asp?referid=leftnav

With the rising cost of vet bills for an aging cat, I am considering
getting insurance
for Rusty. But since he is almost 12 years old, many insurance will not
accept him.
With his history of urinary problems, even PC pet insurance which
accepts
pets
at any age will exclude coverage on urinary problems for him.
So I am uncertain whether it is worth it or not. The info didn't
indicate
whether
blood and urine tests are covered. I found those quite costly.

I will like also like to hear opinions on pet insurace in general.

I had pet insurance on my cats when it first was offered in the U.S. I
soon decided it wasn't worth the price - at least not in the form in
which
it was available then. The premium is on a sliding scale, depending
upon
the pet's age, so if you have a healthy older pet, you may find yourself
paying out more in premiums than you would in pay-as-you-go fees. It
did
not cover routine shots and exams, which were all my guys needed, most
of
the time. IIRC, the total coverage had a (fairly low) ceiling, above
which I'd have had to pay the whole bill, anyway.....

Policies may have changed considerably since then (it WAS quite a few
years ago), so I don't want to discourage you entirely. However, just
remember that insurance companies are in business to make money, so be
very sure what you'll be getting, and EXACTLY how much you'll be paying.



I came to the same conclusion after checking out several policies. I
opted,
instead, to open a special savings account just for Holly and Duffy. I
put
a small amount into it every month, and I have not touched it for anything
so far. It is not for routine exams or even for minor problems. It is
reserved for any major problems that may crop up in the future (and they
will, as my cats age, at least if my previous cats are indicators). I
hope
that I will have a reasonable fund by the time it is needed so that I can
self-insure. That takes some risks that not enough time will elapse, but
I
think it is likely to provide better care than most insurance policies.
(I
am in the U.S., so I do not have specific information about Canadian
policies.)

MaryL

Photos of Duffy and Holly: 'o'
Duffy: http://tinyurl.com/cslwf
Holly: http://tinyurl.com/9t68o
Duffy and Holly together: http://tinyurl.com/8b47e
Recent pics: http://tinyurl.com/clal7

Thanks Karen. This maybe just what I need for Rusty and myself.
I like the no interest payment part. Better than using my credit card (which
I use
every time at the vet and my dentist) or line of credit.
I will ask the vet whether he will take it.

Winnie

"Karen" wrote in message
...
Winnie, look at this:

http://www.carecredit.ca/

They have it here to and someone on one of my cat health groups used it.
I've heard of it before and in fact, I'm going to do it because, while MY
vet would take payments from me if needed, the crunch comes from the
emergency vet and the one in my town takes this. I've had to use them
twice
and it is pricey and they need payment right away. THere is no interest if
you pay in the smaller amounts of time. See if your vet is one that takes
it.


"MaryL" -OUT-THE-LITTER wrote in message
news:PKm_f.1521$EA3.1364@dukeread10...

"EvelynVogtGamble(Divamanque)" wrote in message
...


W. Leong wrote:

Does anyone has PC pet insurance in Canada? I think this is fairly
new.
I appreciate hearing any opinion on this insurace.
Info can be found at
http://www.pcinsurance.ca/ROCEN/PI.asp?referid=leftnav

With the rising cost of vet bills for an aging cat, I am considering
getting insurance
for Rusty. But since he is almost 12 years old, many insurance will
not
accept him.
With his history of urinary problems, even PC pet insurance which
accepts
pets
at any age will exclude coverage on urinary problems for him.
So I am uncertain whether it is worth it or not. The info didn't
indicate
whether
blood and urine tests are covered. I found those quite costly.

I will like also like to hear opinions on pet insurace in general.

I had pet insurance on my cats when it first was offered in the U.S. I
soon decided it wasn't worth the price - at least not in the form in
which
it was available then. The premium is on a sliding scale, depending
upon
the pet's age, so if you have a healthy older pet, you may find
yourself
paying out more in premiums than you would in pay-as-you-go fees. It
did
not cover routine shots and exams, which were all my guys needed, most
of
the time. IIRC, the total coverage had a (fairly low) ceiling, above
which I'd have had to pay the whole bill, anyway.....

Policies may have changed considerably since then (it WAS quite a few
years ago), so I don't want to discourage you entirely. However, just
remember that insurance companies are in business to make money, so be
very sure what you'll be getting, and EXACTLY how much you'll be
paying.



I came to the same conclusion after checking out several policies. I
opted,
instead, to open a special savings account just for Holly and Duffy. I
put
a small amount into it every month, and I have not touched it for
anything
so far. It is not for routine exams or even for minor problems. It is
reserved for any major problems that may crop up in the future (and they
will, as my cats age, at least if my previous cats are indicators). I
hope
that I will have a reasonable fund by the time it is needed so that I can
self-insure. That takes some risks that not enough time will elapse, but
I
think it is likely to provide better care than most insurance policies.
(I
am in the U.S., so I do not have specific information about Canadian
policies.)

MaryL

Photos of Duffy and Holly: 'o'
Duffy: http://tinyurl.com/cslwf
Holly: http://tinyurl.com/9t68o
Duffy and Holly together: http://tinyurl.com/8b47e
Recent pics: http://tinyurl.com/clal7

W. Leong wrote:
I understand that. But I am wondering whether I should get inurance for any
future problems
such as diabetes, kidney problems, hyperthyroid etc which are common among
older cats.
Currently Rusty does not have these problems, but as he ages he will be at
risk for them.
What do other cat slaves do as their cats age?

On the other hand, I don't even have supplemental medical insurance for
myself. I just got
the basic governement health insurance, and I am aging as well. But not old
enough to
qualify for senior health benefits. I can't even get critical illness
insurance as I am too old
for that.
So with Rusty's vet bills and my own health expenses I am looking at
potentially a large sum.
Not a pleasant thought. Some said health is more important than money. But
without money how do you pay for the needed medical services and drugs etc
to maintain ones'
health. I better stop before I get more depressed thinking about it.

Winnie

wrote in message
oups.com...
Hi Winnie,
unfortunately any insurance will decline coverage to pre-existing
conditions.
Before you apply make sure you read all the exclusions, so you don't
have any surprises when you need it.

I got Otis insured when he was 7. I didn't read the policy properly as
a friend recommended the insurance company. It turns out they only pay
out for each illness for a year, Otis now has kidney disease and
diabetes. However, the money they did pay out for each illness is
probably still quite a lot apart from the excess. It's swings and
roundabouts really, but I'd try to get one that paid out for the
"duration of the illness".

Marcia (in UK)