|Purred: Sat Aug 23, '14 9:53pm PST |
|You are very wise and prudent to be looking into medical insurance! Just be aware that it will cost you more to insure a 7-year-old than a kitten. Does it help? For me, it certainly did. When Mordred, at age 9, was diagnosed with a heart murmur by his new vet ( which his old one had missed altogether), I took Mordred to a cardiologist for an ultrasound. The cost was more than $500, but Mordred's insurance paid more than half. (I apologize I don't remember the exact figures.) Mordred is an indoor cat, 18 pounds, on good food and with no previous medical issues - which just goes to show that anything can show up at any time. I used to have VPI, but didn't like their system; I now have Pet Plan and have been satisfied. Just watch: they say they'll insure a cat (or dog) with a pre-existing condition - and they do - but they won't pay anything toward a recurrence of that condition.
Bottom line: I wouldn't be without it. Veterinary medicine is evolving quickly, but that evolution comes with a higher price tag - which is only fair. I decided on insurance after I'd read on a pet-loss site several people who had no choice but to euthanize a beloved furchild because the people simply did not have the money needed for an expensive surgery or treatment. I never want to be among them, so - insurance.
Google "pet insurance" - you'll find many, many choices, so do your homework, considering your needs and budget. Good luck!
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