|Purred: Sun Sep 8, '13 2:36pm PST |
|Hi! Mordred's mom here. . .
Absolutely, positively, doubtlessly - I would not be without it, and I recommend that you get it for your new kids! It works much the same as human medical insurance: you pay a premium (some companies will give you a choice of how often) and the company will reimburse part of expenses.
How do you get it? Google "pet insurance," and you'll be overwhelmed with choices! I use Petplan, having tried Veterinary Pet Insurance (VPI) and become dissatisfied. With Petplan, I pay a premium each month; when I have a claim, I merely send in the form, or the vet will fax it in for me.
Is it worth it? Absolutely!! When Mordred was diagnosed with a heart murmur, I took him to a cardiologist for an ultrasound: $422, repeated two years later. The first one was under VPI, and they paid only $196; I can't remember (or find) how much Petplan paid, but I remember that it was considerably more. I was very pleased.
Things you should know:
Different companies have different ways of submitting/paying claims; check the websites for infor.
ALL the companies (at least, all that I've seen) have different levels of protection. Usually, there are three; naturally, the lowest level of protection has the lowest premium. Some levels include routine costs, such as vaccinations and routine dental work; these will cost more in premiums. You have to decide on these things according to your own circumstances.
From my own experience, I can tell you that "routine" does not always end that way! I took Mordred for a routine tooth cleaning, which would not have been covered under the plan I have. While Mordred was under anesthesia, the doctor called to tell me that Mordred has resorbtive lesions: his body is re-absorbing the calcium in his teeth; that meant that four of his teeth had to be extracted. The insurance company paid - tooth extraction for a disease is nonroutine, and, therefore, payable.
Your cats are young, so you may think that they're healthy and insurance isn't necessary. My Willie Wonka, who went to the Bridge years ago (before there was pet insurance), was only 4 when he diagnosed with kidney disease; he was gone within a month. It can happen to any child, any age.
I hope I've answered some of your concerns. Please paw-mail me if I can offer anything else. And the best of luck!
|my posts | my page | msg me | my family's posts | gift me | become friends|| [notify]|