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I am about to get vip pet insurance is it a good insurance?
I don’t know much about the pet insurances but make sure you know exactly what it covers and about how much the vet charges for these things. I have heard that most of the insurance will not over routine exams and shots and if your dog is healthy and has minimal risk for needing and kind of major operation you might be better off by taking so much money from every paycheck and keeping it aside to pay for vet costs. Just make sure you know exactly what is and is not covered by the insurance and see if it’s worth the money.
Currently there are two types of pet insurance plans, each insurance plan is geared towards a specific need of the pet owner, the animal and the financial capacity of the owner.
A full breed dog might need more medical attention than another breed, especially at an older age and with the annual check up and injections. Pet medical insurance plans can provide several different insurance options and will ensure you will be able to provide the best medical care for your pet, for a monthly fee.
The two major USA pet insurance plans that are called the Superior VPI and the Standard VPI plan, both plans you can take your animal or pet to any veterinarian in any part of the world. Remember to keep the original bill and send it off to the insurance company, then the costs occurred will be repaid.
The Differences Between Pet Insurance Plans
There are some differences with the types of pet insurance plans as follows
1. The VPI Superior Insurance Plan.
This pet insurance plan offers coverage for any medical costs that you might have to pay for during the life of your pet such as annual check ups, vets visits, prescription medication, diagnostic testing and lab tests and X-rays. Basically, the insurance will repay anything that your vet might find necessary to keep your pet healthy. This insurance is available for both cats and dogs and will cost approx. $200 on an annual basis.
2. The VPI Standard Plan
The standard Pet insurance plan will covers all the basic procedures and costs for your pet, but you are expected to pay a higher portion of the amount of money yourself for every treatment that you can claim though your pet insurance.
Who Should Opt For These Pet Insurance Plans?
Any animal loving responsible pet owner should at least consider taking out a pet insurance plan for their cat or dog. og owners will be more interested in these type of plans as dogs are expectted to run up costs due to medical problems and need more visits to the vet during their life.
Reasons why you might need a pet insurance plan:
1. You don’t have to worry about not being able to pay the high medical bills that your pet could incur when it falls ill or has an accident.
2. You pay in monthly small amounts instead of a huge sum in one go, great for budgeting.
3. There is no need to worry if you leave your animal in the care of someone else when you go on holiday as they can take the pet to the vet and the bills will be covered still.
4. Owners of full breed dogs that see their dogs as an investment should consider insuring their animal as full breed dogs usually will need more trips to the vet.
Dogs are an integral part of human society on every inhabited continent on Earth. They drive livestock and protect it; police property; scent and detect illicit substances; haul sleds; retrieve game; guide the blind; search for and rescue the lost and injured; comfort the lonely; hear for the deaf; or simply add a sparkling natural reality to the lives of hundreds of millions of people throughout …
Topics Covered:Bodily Injury: General Information and What You Should Know About CoverageBurial Insurance: Important Information for You and Your FamilyCHIP: What is it and How Can it Help You?COBRA: What You Need To KnowWhat You Need to Know About COBRA InsuranceHealth Insurance Plans for Your PetHealth Insurance For PetsWorkman’s Compensation: Who Pays for ItThe Difference Between Health Insur…
Nothing beats the companionship of a pet of your own. And no other animal deserves that coveted title of “Mans’ Best Friend,” more than dogs.Dogs throughout current history have made us laugh. How about Pluto, Goofy and Scooby Doo? And some have made us cry. . .Lassie saves Timmy and how about Rin Tin Tin?Many modern day dogs are trained as rescue dogs. After undergoing intensive trainin…
I’m looking for pet insurance at low cost. Anybody know of good insurance for multi cats which isn’t too expensive and good coverage? thanks
Based on my experience, I’d put my money in a rainy day fund. I rescued a kitty and decided to get insurance. For 1 6mo old kitten it was just under $300/yr for a plan that was in the middle – not the least coverage and not the most. It’s less expensive the younger the cat is and you do get discounts for multiple pets. Based on my claims, I got back a little over $100. One big issue is all of the exclusions to the plans – read the fine print closely. I was a newbie cat owner and didn’t appreciate all of the exclusions. That’s costing me $2500 as my kitten needs knee surgery that’s not covered – NO MATTER WHAT THE CAUSE. go figure. I’ve also heard that if your cat gets diagnosed with diabetes, for example, the next year it’s can be considered a pre-existing condition and not be covered unless you’re paying the premium for a comprehensive package. It’s not worth it to me.
The link below can get you some quotes and also has feedback on some of the insurance plans and companies.
This 3,000 word article was written by a licensed veterinary technician. It describes the benefits of investing in pet insurance while debunking the advice of Consumer Reports who advise pet owners to open a savings account for their pet’s medical expenses. Advice is given on what to look for in a pet insurance company and includes contact information for all nine pet insurance companies in the Un…
Special Report Finally Reveals Pet Insurance Secrets They Don’t Want You To Know…It’s one of the most difficult dilemmas for a pet lover You are at the vet’s office, discussing the cost of treatment with your vet, and suddenly he lays it on you. The total cost of the treatment will be over $2,900…You look at your spouse, and you are both silently thinking… “We can’t afford this!” Because you…
Inside The Health Master Plan for Your Best Friend: How to Keep Your Dog Happy and in Great Health, you will discover:–Understanding ingredients–Dogs need different diets at different ages –Vitamin and mineral supplements –Boredom and variety –Cost of feeds –Dry Vs Canned food –Home made diets –Food allergies –How much should I feed my dog? –How often should I feed my dog? –Signs of Il…
I’m trying to find an affordable insurance for my dog. She seems to get sick a lot and getting insurance is a better option than having to pay these huge vet bills! Does anyone currently have pet insurance? Is there any company’s you would suggest? Any particular policy just for sickly dogs that won’t cost an arm and a leg?
I stopped in my vet’s office to pick up an Rx and noticed a paper on the counter listing all of the pet insurance carriers that they will accept. I am in the process of also researching the best policy for my pets.
The main question to ask yourself is if it is really worth it in the long run. Far too many people put a price tag on their pet and when the vet bills start piling up, they consider euthanasia, a cheaper alternative.
However, if you are the type of pet owner who will willingly go into debt to save its life, then pet insurance might be the answer!
I can not recommend one particular insurance company. It is best to research and find the one that meets your pet’s specific needs. Some companies cover pre-existing conditions and hereditary diseases (such as hip displasia) while others will not.
galtech.com reports the following review:
VPI Pet Insurance – they offer a number of different priced options; their VPI Superior Plan ($50 ded. per incident, max. annual benefit of $14K, pays 90% of cost) for a 3 year old Huskie was about $30 bucks a month. They offer free online quick quotes for pet insurance premium estimates. Things covered: Accidents and Illnesses, MRI, CAT Scans and X-Rays, Surgeries, Cancer Treatments, Prescription Medication, Hospitialization, Vaccinations, Heartworm Protection, Annual Exam, Prescription Flea Control, Spay & Neuter.
Pets Health Plan.com – their pet insurance policies pay 80% of all allowable vet expenses and medications, with no per incident deductible ($100 per year flat deductible). They have the same policy for filiing claims and reimbursements.
Petsurance.com – full insurance coverage for cats and dogs, including a senior care plan for older pets. They also offer free online pet insurance quotes. From their website: “We provide the best value possible for your insurance dollar. Routine care (e.g. vaccinations, parasite prevention) is a budgetable expense. When this budgeting is done through a pet insurance policy, the cost to the owner is greater than if he/she would have paid for this expense directly. ”
Petco.com – Petco has partnered with Pet Care Pet Insurance and offer full lines of insurance beginning at less than $10/mo.
PetPlan.com – the worlds largest provider of pet insurance, PetPlan’s PetMedic plans provide coverage for the most common accidents (removing swallowed objects, hit by car, allergic reactions to bug bites, fights with other animals, fall, etc.)
Pet insurance is not for eveyone, but if you are concerned about the rising costs of pet care and veterinarian bills and pet medications, do a little research into a policy, see what it costs, and compare it to what you spent out of pocket last year on your pet – see if it doesn’t make sense to switch to a pet insurance policy.
Embrace Pet Insurance offers a comparison guide on its website so that you are able to check off which services would be best suited to your needs.
Does anyone know a good pet insurance for a small breed dogs?
Hi.
I just got a Yorkie. He’s 9 weeks. I had to take him to the vet for check up and a vacacine and I ended spending $120!! I hear there are pet insurance, which would be a big help here. I’m looking for something to cover neuturing, vacacines, heart-worm preventions, meds and regular checks ups. I heard VPI is good, but the rates are pretty high. Does anyone else know a good pet insurance in New York area??
Thank you!
Hi Kris
First, a disclaimer: I work for Embrace Pet Insurance in Cleveland, Ohio.
Let me say that you are smart to be considering pet insurance for your young Yorkie. The best time to get pet insurance is when they’re young because they have few, if any, pre-existing conditions.
You mention that vaccinations, heartworm medicines, etc, ended up costing you $120. These are things you’re always going to need for your Yorkie and you can save yourself money by budgeting for these routine care procedures.
What do I mean by “save you money?” Well, although many pet insurance plans offer routine care as an add-on, do the math carefully to determine whether they make sense financially. For example, you can only ever neuter your Yorkie once so don’t count on this amount being available every time your benefits renew! Routine care coverage usually costs $10 to $20 per month yet your maximum reimbursement is always capped at a fairly low amount, usually just a couple hundred dollars. And some of the procedures that are considered routine care by some pet insurance plans are covered under normal conditions in other plans.
Veterinary care nowadays can be incredibly expensive. Our company just received a claim for $5,500 for a young Labrador puppy that ate string. Despite all the technology and everything available, the vet was unable to save this puppy’s life. But the pet parents did everything they could and they did not have to worry about how to pay for it. That is the essence of what pet insurance is about: responsible pet parents get pet insurance, it’s the right thing to do for your pet but you have to get the right type of insurance.
You specifically mentioned Veterinary Pet Insurance (VPI). They have been around a long time and they are backed by a strong, reputable insurance company. But their pet insurance plans have a “gotcha”: VPI only pays claims to a benefit schedule. What this means is that, potentially, you could get back only a fraction of the actual vet bill.
For example, you could easily pay $1,500 or more to treat a broken limb but VPI may only pay back a few hundred dollars, depending on exactly how they classify the claim. Do you really want to wait until you have submitted the claim to figure out how much you might get back?
You also mention that you live in the New York area. Most likely you are not going to find cheap pet insurance of any kind. The pet insurance companies know that veterinary fees are very high in the NY metro area and many price their plans accordingly. You could look into Pet Assure which is just a discount plan for any veterinarian but bear in mind that only about 10% of the veterinary hospitals are currently enrolled in Pet Assure.
But if you are still considering pet insurance here are some questions you should ask:
1. Does the pet insurance company give you a choice of deductibles, maximums, and copays to design a plan to suit your budget?
2. Does the plan cover genetic conditions?
3. Does the plan cover chronic or recurring conditions? So if your pet gets sick in year 1, does it cover the same illness again in year 2?
4. Does the plan come loaded with coverages that you’ll pay for but probably never use, like “Lost & Found” or “Accidental Death”?
5. What is and is not covered? Is it clearly stated on their website or over the phone?
6. Does the plan pay claims based on a restrictive benefit schedule or the actual vet bill? You want to avoid benefit schedule plans because they will leave your pocket with a big hole.
7. Are there per-incident limits that effectively cap the amount you could receive back? For example, some plans have a $3,000 per-incident limit. If you had a claim for $5,000 with one of these plans then the most you would get back would be $3,000.
8. How long does the company take to pay claims?
9. What are the rules around pre-existing conditions? Are they excluded permanently or temporarily?
Make sure you get good service and don’t let anyone hard sell you. You want to feel comfortable with your decision, so take take your time and make the right choice for you and your Yorkie.
Alex
Embrace Pet Insurance
http://www.embracepetinsurance.com
Shure Pets crash, has it damaged you business and income?
Pick from the petite form-fitting babydoll style or standard regular fit womens style. Please refer to our sizing chart for measurements.This design also available as a men’s Tee shirt, and a men’s hoodie and sweat shirt in our other amazon.com listings….
Pick from the petite form-fitting babydoll style or standard regular fit womens style. Please refer to our sizing chart for measurements.This design also available as a men’s Tee shirt, and a men’s hoodie and sweat shirt in our other amazon.com listings….
This 3,000 word article was written by a licensed veterinary technician. It describes the benefits of investing in pet insurance while debunking the advice of Consumer Reports who advise pet owners to open a savings account for their pet’s medical expenses. Advice is given on what to look for in a pet insurance company and includes contact information for all nine pet insurance companies in the Un…
Nothing beats the companionship of a pet of your own. And no other animal deserves that coveted title of “Mans’ Best Friend,” more than dogs.Dogs throughout current history have made us laugh. How about Pluto, Goofy and Scooby Doo? And some have made us cry. . .Lassie saves Timmy and how about Rin Tin Tin?Many modern day dogs are trained as rescue dogs. After undergoing intensive trainin…
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