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Health Insurance For Cats
I was thinking of getting health insurance for all of my cats. Does anyone
know a good and reliable insurance company that has policies for cats without charging through the nose? -- Cat Galaxy: All Cats! All The Time! www.catgalaxymedia.com Panther TEK: Staying On Top Of Your Computer Needs! www.panthertekit.com |
#2
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"Cat Protector" wrote in message news:Loasd.103957$tU4.93608@okepread06... I was thinking of getting health insurance for all of my cats. Does anyone know a good and reliable insurance company that has policies for cats without charging through the nose? I think I would invest in a better quality food than you feed them before I would shell out for health insurance. |
#3
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Thanks for sharing. At least I know who to avoid. I thought of putting away
a certain amount each month for vet bills and such but read some more about the insurance for the cats so I didn't have to pay a whole lot up front should an emergency happen. It's a shame that VPI had such a lack of security that a former employee could steal people's identities. If that employee was in a position to have access to people's accounts then the security should have been strengthened to protect the customers. Hopefully the former employee will be prosecuted. I am no lawyer but you might have a case against the company here. You probably weren't the only one who was put at risk. -- Cat Galaxy: All Cats! All The Time! www.catgalaxymedia.com Panther TEK: Staying On Top Of Your Computer Needs! www.panthertekit.com "Cheryl" wrote in message I have VPI for Shamrock, but I'm beginning to see that it isn't worth the money. His only problem (young cat) is allergies, and since it was pre-existing when I took out the policy, they won't cover any of the bills. The policy had to be renewed last month and I planned to cancel it and just put the monthly premiums into a separate bank account just for vet bills, but I haven't cancelled it yet. I even got the cancer coverage, but then again, I've had two cats in a row who had problems that most cats don't seem to have so I was sort of pressured by large vet bills in the past that I hoped I wouldn't see again. I don't think it's worth it. Insurance is just that: great if you need it, a waste of money if you don't. Just put a few dollars each payday into a separate account earmarked just for vet bills. With 4 cats now, this is going to be my plan. Shamrock's premiums are over $200 per year paid monthly. Oh, and VPI informed me that my personal info was stolen by a former employee and that I need to keep an eye on my credit history in case it is used. I've had to make a lot of adjustments to my accounts just because they didn't have proper security set up with their databases. -- Cheryl |
#4
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I had pet insurance for a year (I don't remember which company) but I
cancelled when they raised their rates. I had been paying about $300 a year (for two cats) so I opened a savings account and put in $300 every year. Any normal vet bills, I pay without robbing the account. There is now over $1200 in the account. It is there in case of any major expenses. ---MIKE--- |
#5
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"---MIKE---" wrote in message ... I had pet insurance for a year (I don't remember which company) but I cancelled when they raised their rates. I had been paying about $300 a year (for two cats) so I opened a savings account and put in $300 every year. Any normal vet bills, I pay without robbing the account. There is now over $1200 in the account. It is there in case of any major expenses. This sounds like a reasonable way to ensure you have money for the vet! |
#6
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My cat is a rescue cat so her history was not known. However, I bought
insurance for her and am so glad I did. One month after owning her she was diagnosed with CRF and her ongoing bills are currently being met by the insurance company (until next May). The only thing I would advise is if you are looking for insurance - get the type that covers them for life with a condition - not just for one year (as I made the mustake of doing). I'm putting aside money each month for her now for when the insurance no longer covers her. sarah |
#7
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like insurance for humans, it is of great benefit if you need it, and a
great waste if you don't. I know someone who bought it for their puppy, and used it then some when problems arise. "Cat Protector" wrote in message news:Loasd.103957$tU4.93608@okepread06... I was thinking of getting health insurance for all of my cats. Does anyone know a good and reliable insurance company that has policies for cats without charging through the nose? -- Cat Galaxy: All Cats! All The Time! www.catgalaxymedia.com Panther TEK: Staying On Top Of Your Computer Needs! www.panthertekit.com |
#8
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If you're in the UK don't use Tesco, I didn't read the small print and they
only insure each illness for a year, my cat's got diabetis and it's now costing me a fortune since his insurance ran out, ALWAYS check the small print first! "Cat Protector" wrote in message news:Loasd.103957$tU4.93608@okepread06... I was thinking of getting health insurance for all of my cats. Does anyone know a good and reliable insurance company that has policies for cats without charging through the nose? -- Cat Galaxy: All Cats! All The Time! www.catgalaxymedia.com Panther TEK: Staying On Top Of Your Computer Needs! www.panthertekit.com |
#9
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"Yngver" wrote This sounds like a reasonable way to ensure you have money for the vet! I agree. A couple years ago one of our cats had a bacterial infection and spent a few days in the veterinary hospital. The total came to $1100. After that, we started checking out pet insurance. However, when we priced it out with the best coverage we could find (VPI), we calculated that after deductibles, premiums and other exclusions, VPI would only have reimbursed us about $200 for that incident. This is how these insurance companies make money--they know most folks will not read the fine print. It was smart of you to look at an example case that way, to see how the insurance really works. And if she ever had another liver infection, it would not be covered. What kind of crock is this "cat only covered for one type of illness once" stuff?? What good is the insurance then? We all know that chronic illnesses are terribly common--in cats and people What a rip. I am glad this topic came up because I am just the type to get suckered into pet health insurance. Since we don't expect to have $1100 a year illnesses with our cats, it seemed that in the long run it did make more sense for us to just put the premiums (at the time, about $250 per cat) in a savings account. In addition, keep in mind that pet insurance is not comparable to health insurance for human beings--since in most states pets are considered property, pet health insurance operates under rules for property insurance. In general, you can be dropped or refused renewal at any time, and when the cat gets old (when most health problems will occur) many policies refuse to cover the cat anymore. Well, that's terrible--and how terrible that must be for the ones who love the cat. I'm learning more than I ever expected to about insurance these days--I just paid off my own deductible (first time in my life I have been at the doctor's enough to do so) and am finding out what insurance will and will not pay. I have nothing serious, just niggly things like asthma and allergies, but keep receiving bills for various items not covered by the company now that I have paid off the deductible. What a racket. |
#10
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