Is pet health insurance a good idea for my fam?
As long as we have owned pets, my parents have never provided veterinary care for them. As a result, my bird died recently. I think it’s unfair (and illegal, right?) to neglect to give someone in need health care, so I told my mom I was considering putting my last bird up for adoption just in case it got sick in the future.
I guess she felt a little bad about what happened to my last bird because she went to Petco and asked about their medical insurance program. Now I don’t know if she’s going to go along with the program (it’s called “Trupanion”, anyone here familiar?), but the fact that she even did that is a HUGE step.
My problem is, I have NO experience in signing up for these kinds of things, nor do my parents (although I imagine this will be solely my mom’s decision since my dad is so careless) so I don’t know what to look for in a plan. We have one dog and a bird, and MIGHT get a small rodent in the future. Can anybody make any recommendations or give any advice?
Yes, pet health insurance is a great idea. Having good pet insurance takes the “I can’t afford that” nonsense out the the equation when facing a costly surgery or procedure. I have 4 dogs and 2 cats who all have health insurance. I use Veterinary Pet Insurance (VPI) http://www.petinsurance.com. I pay approximately $200 per year (per animal) for coverage. My Doberman recently tore her ACL and had $2,600 surgery. VPI reimbursed me $1,400. My Corgi developed allergies and had a $535 allergy test. VPI reimbursed me $345. Ideally, you should get insurance as soon as you get the animal. I know that the older pets get, the more expensive the premiums are for the insurance, if they agree to insure the animal at all. When working at a veterinarian’s office, I had the chance to review several different pet insurance plans, and they are all different in terms of cost and coverage. Do some Internet research or check with your vet, finding the right company and right plan can save you hundreds when facing costly procedures.
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