Comments

You must log in or register to comment.

pineconehedgehog t1_j4u1mnw wrote

Be very careful to check exclusions and preexisting condition policies. A lot of coverage can be excluded under preexisting conditions if the insurance wasn't purchased as a puppy or kitten. I looked into getting insurance for my dog when he was about 6. But he had a history in medical file of stomach issues (he liked to eat a lot of "not food") so all stomach related issues were excluded. Which was mostly what I wanted it for.

I will definitely get insurance for my next puppy.

9

svengoalie t1_j4tprgf wrote

I'd ask your local veterinarian and or animal hospital to see what they recommend (and if they integrate the insurance plan with their billing).

5

pineconehedgehog t1_j4u1r8t wrote

Ya, most plans that I researched worked on a reimbursement plan. You had to pay the vet up front and then you would submit a claim for reimbursement later.

4

flexingindisguise OP t1_j4tpze8 wrote

i never even thought of that! it'll definitely be my first step, thank you!!

2

bubba1819 t1_j4uaomp wrote

Our vet practice recommended Trupanion. They offer cat and dog coverage

3

[deleted] t1_j4v8lia wrote

Seconding Trupanion. I believe most vets (especially corporate owned) accept them. Pet insurance is better than people insurance.

3

flexingindisguise OP t1_j4ybp4f wrote

love it! hopefully it's slightly easier to navigate than human health insurance 😅

1

ameriskin77 t1_j4v801c wrote

We have had Trupanion for over 10 years, through 4 dogs. Their customer service, coverage, and kindness are unparalleled. I’m also in the insurance industry and so I’m very critical of each of those benchmarks.

5

flexingindisguise OP t1_j4vjpkw wrote

that's great to hear!! with all the comments recommending it, that might be what we go with!!

1

alpha417 t1_j4tphkn wrote

Nationwide great, great company. They cover all our exotics, can't imagine they'd not be good at a domesticated breed.

3

teamcornacia t1_j4u49lc wrote

I work in insurance - we recommend the pet insurance through ASPCA! Give your local agent a quick call or email after you talk to your vet. Your insurance team can help you get the coverage set up and help service the policy/claims for you too

3

flexingindisguise OP t1_j4yc084 wrote

should i get our girl set up with a vet first and see what they recommend for insurance? or should i wait and do insurance first then find a good vet?

1

readerofbooks24 t1_j4vsh5a wrote

We use Nationwide, they have the best coverage (no exclusions, high caps for services, and fast payout - Ive always gotten payment in 1 week of claim submission) We have all our animals on wellness + emergency. The caps for things on the wellness plan are high enough to pay for 90% of the annual vet charge so annual shots, exams, fecal tests, hip xray for my shepherd and the emergency is 100% coverage after a small deductible, mine is $100 on a grandfathered plan and $200 on newer pets I added. Rates are lower compared to other plans with higher deductibles and co-insurance options too. My shepherd just had an ACL surgery and we only paid $100, if we didnt have insurance we would be in the hole for 12k after surgery and after care meds/visits. The plans pay for themselves with how high vet bills are nowadays.

2

zfancy5 t1_j4weglg wrote

Trupanion is what I use. Most (if not all) accept it. We do the $800/year deductible and after that they cover 90% of cost. My vet recommended it. $35/month

2

Different-Truth3662 t1_j4x02ae wrote

Here's an article on pet insurance ranking from Forbes magazine, maybe it might help you. Good luck!

https://www.forbes.com/advisor/l/best-pet-insurance-m/?utm_content=Cat_Insurance_Best_Phrase&utm_term=best%20cat%20insurance&gclid=CjwKCAiAzp6eBhByEiwA_gGq5OKeSwYS09c8b4QRsTXTl5gbPp-FtqjLvhmwvlGSWgbVRxqqPsrhWBoCfP0QAvD_BwE

2

Gunnersandgreen t1_j5biw1f wrote

A Trupanion policy saved my dog's life after a porcupine incident. He had 2 open chest surgeries that would have cost 20k. We paid 2k overall.

2

chris_hemsworth12 t1_j5o78ae wrote

First of all congratulations for getting a new family member in your home. Cats are really adorable as pets and you should definitely get a reliable pet insurance policy for your cat. Well, there are many companies around you that are offering the insurance services for pets but let me tell you only a few of them are genuine. I was scammed online while I was looking for a pet insurance policy that's why I'm suggesting you to be alert while looking for a reliable source. You can also consider a Fast ESA Letter company, I had purchased a pet insurance policy from them and trust me they are really affordable and true to their words. I'm very happy that after being so much into trouble I finally got the best Pet Insurance company for my cat 'suzy'.

2

Runnah5555 t1_j4volkb wrote

The great insurance grift continues.

1

IamSauerKraut t1_j4xik68 wrote

Waste of money.

1

flexingindisguise OP t1_j4ybj0d wrote

not helpful, also not what i asked, thanks

1

IamSauerKraut t1_j4yorp8 wrote

Trying to help you not waste your money. Not as if you are the only person to ever consider pet insurance.

1

SolarGuyInMaine t1_j4yac3n wrote

Wife and I decided to put $25/month into a backcountry account in lieu of insurance. It is likely more cost effective and there’s no chance of denies coverage when you’re paying in cash.

1

DifferenceMore5431 t1_j4vlilb wrote

Pet insurance isn't worth it or necessary the same way that health insurance is for people. You are better off just saving up that $300-500 per year that you would spend. There really aren't catastrophic medical expenses for pets that would cause you to spend $20k or something stupid like that.

0

Away-Screen2573 t1_j4vn6s6 wrote

Wrong… Any emergency and many diagnostic tests can easily run into the thousands.

5

DifferenceMore5431 t1_j4w01ui wrote

Sure but buying pet insurance for the lifetime of a cat (15 years) is $5-10k, plus if you ever need it there are generally copays and coinsurance which could add $thousands more. Exceptionally unlikely that even with several emergencies your out of pocket costs would ever exceed that.

Pet care can be expensive but having insurance doesn't magically make it go away... it just means you pay whether or not you use it. And if you have multiple pets, it's even more certain that pet insurance is a bad bet.

1

pennieblack t1_j4vnjzt wrote

The insurance offered through my mothers work (about $25/month) covers prescription food. So if her cat went in with an emergency urinary blockage (~$1.5k - $3k) it'd cover the bill, then pay the ~$1k a year or so in prescription food costs going forward. Minus a $250 deductible.

1