Do you have pet insurance?
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- Опубліковано 15 жов 2024
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It's great if you have one or two young cats with no pre-existing conditions. Otherwise, those of us who have elderly, chronically ill animals or who are managing colonies or have multiple pets it's just not feasible or affordable - the premiums go up every year. I see the amount of homeless pets and shelter euthanizations skyrock along with the cost of vet care - who can afford to adequately care for multiple animals anymore? Owning a pet is becoming a luxury only the well off can afford and it's a tragedy - so many kind and generous souls out there who just can't afford it any more. The system is broken, hand in hand with our broken human healthcare system.
Not broken. Functioning just as a for profit industry is primed to.😢
Stay away from corporate vets and you'll be able to manage
I’m just glad I got approved for care credit. Now instead of insurance I use care credit as like a savings account. It has a zero balance but I keep sending $50 a month to increase my limit in case of emergency
Precisely!! I have 6 one has fiv
Agreed to all. If you check the price of a 2 year old domestic mixed breed. Now look up 15year old.
And if you switch insurance, anything will be preexisting conditions on the next company.
At least if you are a human and have continuous coverage, then switching companies isn't considered nonpayable, and pre-existing.
I use lemonade for my 3 cats. They basically have paid 90% of my vet bills. They cover wellness visits as well as testing and emergency care. I pay about $25/month per cat.
That's not bad at all!
I looked into Lemonade two and a half years ago, and they didn't cover in New England.
That’s very reasonable. Thanks, even .I can afford that😀
@@JacksonGalaxyI live in MD and they won't cover my girl who has ZERO health issues.
I will look in to Lemonade. Thanks. Heard about it.
As someone who's spent tens of thousands of dollars just saving ONE pet's life, I cannot emphasize enough to get pet insurance. Not only will it ease the difficulties of managing your pet's darkest moments, it'll save you a ton of money too. You don't want to be in a position where you have to choose between money and your pet's life (or even worse, not have a choice at all). And the sooner you can get it, the better, as most insurance plans won't cover pre-existing medical issues.
Absolutely agree!
Spending tens of thousands on one animal is silly. Eventually they will die anyway. It’s your money but think of how many animals could have been helped by that amount of money.
@@woodrowwilliams1812same with humans. Why spend money saving your husband or child or wife who has cancer? They're just going to die anyway, and when they do, you can always find another 🤷
@@barbarascotto3873thats why some of wont spend that kind of money...i will die before spending that kind of money on myself..
not gonna happen when death Will happen.
@@woodrowwilliams1812it's called "love".
Could you do a video on pet insurance? Like the pros and cons, is it worth it or not, and some of the different company's that provide pet insurance?
I've been thinking about it very strongly 😂 I have 5 very healthy indoor cats but in December Miley got really sick, she's not the youngest but she's my baby, my best friend, she'll sleep in my arms under the covers, just a really special cat. She had primary bacterial septic peritonitis, was given less than 50% chance of coming out of surgery and she's now a $13,000 cat lol. Still paying off the vet loans but I'd do it again in a heartbeat. Everyone thinks I'm nuts, I get asked why I didn't put her down 😢 I'd rather the cat than the money, my best friends still with me ❤
If any friend asked if I was nuts for spending money to save a life, I'd have one less friend.
@@Aro9313 100%. Comments coming from roommates family and friends, coworkers etc lmao. I don't have many people around me but the ones who are know well enough not to question my cat choices, especially when it comes to Miley 😂 The cats above everyone in the hierarchy, accept it or move along lol
Good for you! 🤍🙌🏽 I agree with you 💯%!
My previous cat, Calista, lived until she was 18 years old and developed a heart murmur, tooth issues and ultimately stomach cancer. That made for some very expensive tests and treatments. I had no pet insurance. During the Pandemic in 2020, I adopted my Vivian from a shelter. She had a clean bill of health from the shelter and from my Vet, so I signed her up for pet insurance. I researched it well and went with Trupanion. I also checked with my Veterinarian's office to see who they recommended and they gave Trupanion a sterling review. As a pet owner, you really need to shop around for what insurance works best for you and your pet. I highly recommend Trupanion.
Hi how much a month or year? Thanks
The monthly cost has actually gone done twice over the last two and a half years. Right now I pay $35.91 a month with it on auto pay. There are no caps on the coverage. That means, if my cat develops a life long disease, she's covered for her life, not just a set amount.
@@karineanderson1670 wow that's still expensive. My cat is 10 now. Does it cover checkups and Tigger keeps scratching. Indoor cat only. Got him when he was 3. Must be poor skin? I know he needs help but insurance cover both of these? Thanks you're kind.
I didn't want to pay a deductible, that's why I pay more monthly. I would really sit down with a list of pet insurance companies and call each one to see what they cover and their rates. Also, I keep a folder of my cat's medical records. This is helpful when discussing what coverage you need and can afford. Unfortunately, it's like navigating the human Healthcare system. I wish you the best for you and your kitty.
My friend had one through Banfield, $25 a month and they lied and said it covered everything, but when he had to have an emergency surgery, they said it wouldn't cover that so they then also charged her over $250 to have him put down because it was a $8,000 surgury that they refused to perform until they had been paid. So Definitely not whatever Banfield is offering. It's been 9 years and I'm still angry for her.
💔
Could you please tell us what you use? Thanks.
Banfield is trash medicine. Stay away. I don't care what the reviews say.
@@maureensinisi8896 i wasn't actually aware there was pet insurance other than that so I'm going to look into it.
For what it is, Banfield is great, and the contract you sign tells you what is/isn't covered based on the plan you choose. I've used it for all my cats for the last 13 years, and it's saved me a ton. Every office visit is free, dentals are free, vaccines are free, urinalysis and fecal is free once a year, and bloodwork is free once a year. You can do the free stuff as preventative/diagnostic baseline, or save it for an emergency. You only get a discount on other services. I've saved thousands on vet visits alone for chronic health issues. They will tell you it's a care plan, not insurance, because it's supposed to be more for preventative issues. I'm sorry your friend had a bad experience with it.
I have trupanion. Just got it since my two of my four cats have chronic issues. Really wish I had gotten it sooner. The reason I like trupanion is the age your cat is signed up at is the age they stay as long as you have them registered. Most insurances will raise the monthly price automatically as they age. Hard pass on that! My now almost two year old tortie will always be $10 a month with a $200 deductible.
Wow that is excellent. I will pass it on. My cat's 16 and her premium has increased every year even though I have a $1500 deductible 💔
@@Muhdah1972 that is so frustrating! I'm sorry hers keep increasing! I think it's kinda ridiculous. May she live many more happy healthy years though!
I remember when one of my kitties had an issue not being able to go to the bathroom. I could see that he was in pain so I got him to the vet ASAP. Long story short, when he finally got to come home after surgery. He did not leave my side for about a week or so. It costed a pretty penny but I’ll do anything for both of my kitties. They are my kids and I make sure that they live a wonderful life.
Same thing happened with my guy this year. He pulled through but it was scary for a while. Still paying the bill
Yes. After a $900 bill, I got petmed for my 3 cats. $38/month.
38 per or 38 for all 3? Thx
Same question as Matthew. Is that per cat? Does it cover dental procedures? Check-up bloodwork? Sorry to pepper you with questions, but I'm a bit desperate to have pet insurance. Thanks for your time!
Yes, per cat? Coverage?
$1000 for parvo but my pittie mix girl lives on😊
@@kele1264I’m wondering the same cause I have 3 plus a pup and 1 goes to the vet all the time.
People I know have been hugely let down by pet insurance (uk) where they would only pay a max of £1k or so and refused to pay up for chronic illness. My sister thought she had top teir insurance then her cat ate a whole strand of tinsel and it cost £5k for the operation to remove it, the insurance only covered £1k. I'd rather just have 1k in the bank and save the premuims. Maybe there's better insurance out there idk.
There are different forms of coverage... lifetime is the kind you want because the payout limit resets every year as long as you renew. So if, for example, your cat/dog is diagnosed with chronic kidney disease (a lifelong condition) the policy will payout up to the maximum every year for the rest of their lives.
There's also a huge variation between the level of service and reliability between different insurance companies. I'd only recommend Petplan, Agria and possibly Waggle in the UK. Many less reputable companies will try anything and everything to avoid paying out.
I would personally never leave a pet of mine uninsured though, because I'd never want to find myself in the position where a beloved pet needs treatment and I cannot pay for it.
@@JT-mz5oc maybe I've been too lucky and it's warped my perspective. I have had 8 cats over the years and none of them ever needed any medical attention other than being neutered or speyed. The bigger influence on their life expectancy was whether or not they were outdoors cats. Indoor cats live 3 times longer than outdoor ones cos of the plethora of dangers they come across outside. I feel bad for only having indoor kittys from now one cos they might not have quite so much fun, but they get lots more life.
I'm a breeder and I have found an account is the best way. You can do the responsible thing for your cat's health without allowing unscrupulous weasels to profit and then let you down when it's time to pay out.
@@MikeWalls7829 You've definitely been fortunate I'd say. I've only had the one cat, and she was diagnosed with Polycystic Kidney Disease when she was 11 years old. It's a genetic condition but she never showed any signs of illness until her latter years. Anyway she lived for another 3 and a 1/4 years after her diagnosis, and in that time her vet bills totalled over £8000. If she hadn't had insurance I'd have been in a real mess. I'd have found some way to pay for it (I'd have sold one of my own kidneys if that's what it took!) but thankfully her insurance paid for almost all of it (besides the excess of £80 once per year).
As for outside access, I trained my cat to walk on a leash around the garden with me initially. But eventually she learned to stay in the garden without the leash and I just stayed around to supervise. She had a great time chasing bees, butterflies and frogs around during the summers, but she was also safe. The best of both worlds I guess.
Sounds like you use Banfield.
😮This is the quandary, if you have the money for insurance, then you can afford the cost of the deductible😊 But like so many people today, I can't afford insurance, let alone the deductible😢
It takes away so much of the stress!
We NEED to really address the fact that vet prices are way too high. Private companies are raking it in on the backs of average people that cannot afford even annual vaccinations. This industry needs to be government regulated to have reasonable costs for basic care or foods and tests. This is for USA and Canada.
Just think about this for a second, if gas costs more, getting medical supplies costs more. If your electric bill is higher, the vets bill is higher. While yes the business are making more than ever, their costs are higher than ever, thats what infatuation means. It also means companies will have record profits while having less spending power.
It why even though i make more today than i did in 2020, i no longe make enough to save money and am bairly scarpping by.
Costs go up everywhere and your spending power goes down every time the government prints money, usually that spending power is given to forien goverments at "aid"
And should be for UK as well
Don't patronize a corporate vet, ever. They exist to deliver profit to their shareholders. Utilize privately owned vets always.
I think they need to do something about costs for medical care for humans first, or we won’t be around to take care of our furrbabies.
Thank you. Some sense finally. Sick of youtubers selling us crap. I lose enjoyment and unsubscribe
I have had cats most of my adult life and never really heard of pet insurance. When I got my first puppy, 2 years ago, I started looking into insurance for him. I ultimately went with embrace Insurance, one thing I really like about them is they have a 24 hour helpline you can call and as a first time puppy owner boy was that helpful, I mean why do all emergencies happen at 2 AM? I also had a nine-year-old cat that I got insured, that was a little pricey, and she had a pre-existing condition, which was not covered but a year after we got her policy, we found out she had a heart condition. I consider all of that money very well spent as if I ever need to make an important decision about her health, I really only have to consider what is best for her, not what it’s going to cost. I recently got a kitten, and I immediately put her on my policy, that was cheap since she was young and healthy. I intend to cover all of my pets from here on out.
I had Nationwide (formerly VPI Pet Insurance) for my beloved Siamese that was 19 when she passed last year. I have Trupanion for my long hair domestic (black) that was born in my backyard 14 years ago. I have no complaints about either of those. My very recent adoptee was enrolled in Figo Pet Insurance the day after she came home! This one is recommended by Costco, so I expect I won't have complaints! When I welcome a cat or dog into my family I will not allow untreated health problems and insurance sure helps with the cost!
Two-and-a-half years ago, she got an infection from scratching too much when a flea collar irritated her neck. I no longer get her flea collar, but I also take her to a vet that will ask the amount you can afford before they go for any kind of treatment. 7 oaks is amazing for that. They saved my brother's cat when I was younger. he had kidney stones and my mom was going to have him put down cuz she couldn't afford to have him sedated. we all knew he was going to be gone and she comes home with the cat alive. they wound up getting the kidney stones out without sedating him which he did not enjoy. we had him for 23 more years he took off after she died he was an inside outside and he just disappeared...
She got a prescription of Prednisone for the itchies, she was given an antibiotic shot, and like I said she no longer gets flea collars... She doesn't need them anyway...
the last appointment she had no fleas at all so she doesn't even need a flea collar now and that being while she's a support animal and goes everywhere with me.
I don't have insurance but I keep a minimum of 2500 in an account for them. This is a good way to do it too. One of my queens recently had a thousand plus vet bill for teeth.
Yes, a savings account for them is another option.
You can get a Care Credit card and pay anything over 200+ out overtime with no interest.
Hey Jackson, you helped us a year ago with our eight cats (2 Siberians & 6 rescues). We've been with Embrace. Never a glitch and great service.
Love your shows, wash when I can. Hope u well 👍👍👍👍👍
I like pumpkin insurance, both of my cats are covered. Yeah you have to pay first and wait for reimbursement but its worth it. 85-90 % returned back to your pocket. I pay 20$a month. Thank you Jackson. I have a friend and her cat was hit by a car, broke a leg, it healed and he is limping and i CANT STAND that they dont do nothing about it. The vet said we have to rebrake it and it will cost 2000. Im so mad about it, i asked her..would you let your child walk with a broken leg that “healed””. Sorry just had to vent…
It is a great idea. It can definitely make things easier for prevention and if something major happens it can really help.
The Care Credit card is great if insurance isnt an option for you. The Card allows you to pay out a vet bill 200+ over time with no interest. Ask your vet about it. You can also use it for your own medical bills and pay out 200+ over time with no interest.
Trupanion has been an absolute lifesaver, they've been soooooo fantastic. They've helped us so much as our cats have had many health issues. Even if i never have another claim with another pet for the rest of my life, I'll feel that Trupanion has been an excellent investment.
Or, for those who can't afford pet insurance, ask if your vet office has a care club or membership club. I know for a fact VCA does, and it helps!
I used that VCA plan for one year, and it was very useful in that time period. I also had insurance which covered what the insurance didn't.
But it was $89/no so ultimately not worth it for me.
Care credit covers you and your pets ❤
They aren't a pet insurance and its not only for pets.
If you have a huge credit line, yes. But whatever you charge has limited time to be paid off. And the larger the bill the longer it will take to pay off. Depending on how much money you make of course. Nothing is that cut and dry. Now if something comes up with a pet, you can't afford to take any to the vet because you're all charged up or close to it. And you have to pay it down first. I DID have to pay monthly premiums. So not as great as you think.
@rowenchaos that is true..but it's my main use . Probably the same for many
That is not insurance it is a credit card.
I rescued a kitten a couple months ago who turned out to have an upper respratory infection. Despite my caution, it spread to my other 3 cats and cost me just shy of $6,000 to get them all through it. Wishing I'd had pet insurance for all 4.
Although, I hope that someday, pet insurance will be like medical insurance for humans: you go in, you pay your $15 co-pay, and the insurance covers the rest, even for routine medical exams.
You must not follow Dr Glaucomflecken
What Amazing Insurance do you have? How do I get it?! My copay is $50, $70 for specialist, my premium is $147/mo, and I have to spend $1,500 before insurance kicks in with 80% coverage. My cat's plan is much better! 😂
Bruising? No. My wallet coded. But my beloved kitty was fine so I ate my instant ramen with tears of joy in my eyes. I’m definitely going to get the insurance. Thank you for the reminder ❤
Excellent video! Get insurance for us guys 😻
I got pet insurance 2 years ago. Best decision I’ve ever made. It sucks waiting on reimbursement but I’ll take it over being stuck with a huge bill. I use pets best
Pet insurance is a scam and when you need it they'll find some loophole not to pay. There was all kinds of horror stories about in reviews. Jackson is probably getting paid to promote them somewhst
Same, I use pets best. I have yet to use it tho.
@@danm9326 you'll pay more in monthly premiums than you ever will in claims. I was with trupanion and paid monthly premiums for year-and-a-half and when I needed them they said he wasn't covered. Dave your Money in high interest savings account and actually make dividends on your money rather than waste it on premium
@@danm9326 Their customer service is amazing. Never gotten pushback on claims either. Hope you never have to use it
I've been thinking about it 💭🤔
Maybe pumpkin, etc..
Not sure yet
One of our cats is ours because my girlfriend literally couldn't afford the vet care for her. We took the kitty in to keep her out of a shelter. It also means she can come over and spend time with her kitty as much as she wants to.
A lot of people are surrendering their pets because they can't afford the cost of care. This is especially true of senior animals who need more frequent care and more expensive care.
Veterinary care is on track to be just as broken as our human healthcare and there is really no excuse for it. Pet insurance is only practical for young and healthy animals. Cost goes up with age and their coverage doesn't help enough as the animals get into their senior years with the more expensive care needs.
I just adopted two seniors and I got immediately pet insurance. Two years ago when I had to bring my boy (now my angel) to emergency and they have to do many test to finally found he had a brain tumor, the two days in the hospital cost me about $15000
Yes ...so outrageous to stick it to folks in that way. It's already a very traumatic experience
🤯 Sorry, that is terrible! That's why I think it's worth the $20 a month it costs for plans that cover major costs, if you can afford it at all.
Recently invested in pet insurance for both my adopted cats last year. Unfortunately beyond devastated & heartbroken. Angel & Ziggy broke through the locked cat cage this morning, right outside my residence. Both ran away in shock. Nowhere to be found. Was right before taking them to their first annual vet check up & vaccination at a local vet hospital in town. Hoping to the heavens above they're are both safely found asap. Very sorry to share such heart breaking news. Have taken all actions necessary to find my two best friends, Angel & Ziggy. A.S.A.P.
I use nationwide and it’s honestly so good and turn around time for claims is pretty fast
Yes it's just as important for my animal family as it is for human family ❤
Always have had insurance. The funny thing is that I have friends down in the States, and my pets have better insurance than most people there. LOL.
I have loved Pet’s Best. My cats have both accident and wellness included. It is worth it because they on average reimburse 95-100% on everything.
I use Nationwide for my cats. I long ago established to have no more pets than I can afford the insurance premiums for. I am that owner that would mortgage the house to pay for a procedure to save my pets so I always pick up insurance as soon as I get a pet!
I recently got insurance for my 6 month old cat, Liir, with Trupanion. I pay $40 a month for an unlimited amount, a $0 deductible, and 90% coverage. Since he’s young, I haven’t had to use it yet.
We got insurance for our cat, when we adopted her. It's worth every penny. Her checkups, shots, tests, surgeries, emergency care are all covered and reimbursed at 80%. ❤
😊OK, what brand Pet Insurance do you ❤love so much? Are you in the USA? Thanks 😊
@cherbehrhouston4704 Yes, I'm in the U.S. Our pet insurance is 24 Hour Pet Watch.
What is the name of your insurance company?
what insurance do you have?? mine only covers emergencies
Please answer what kind of insurance. You can help us all...
With rescue animals, insurance is more difficult. Many medical conditions start to appear before guardians have acquired insurance. We have an interest-bearing savings account, into which we auto-deposit as much as we’d pay in insurance premiums. It tends to average out fine.
True ... care credit has been a game changer for us ... except when you I accidentally grab that card to pay for groceries, and leave my purse at home. Lol.
For health, Care Credit is good for people and pets!!!
Love Trupanion. Have had for over 18+ years. I take on young special needs cats and it has saved me tens of thousands. Sliding scale deductible, add on à la cart options, liability rider, holistic care coverage, speedy reimbursement, and A+ customer service.
I looked at pet insurance from a few companies when I first got my rescue dog. It looked like they didn't cover preexisting conditions, and preventative care was also not covered. Maybe I looked at the wrong companies, but I couldn't see where the 'savings' were going to come from.
Unfortunately I own 9 guinea pigs and no one will insure them as they are exotic. Found a line of credit that allows me to pay it back over 6 months to a year without interest and Vets take it. My old cat is doing ok, but the insurance on him was dropped by the company and can't get any other on him for some reason. Care Credit has helped me make sure I can at least get them care in an emergency.
I have insurance for all 3 of my cats except for the male, Tom. He has 2 insurance coverage... he's a trouble maker, a bit concerned about that one lol 😳
We agree wholeheartedly that you should get pet insurance for your pet, whether you choose us or someone else. We just want to ensure your furry family members are covered and protected. 🐾
100% So glad I got it! Saved me $1,300 last when my cat developed allergies, and we were trying to figure it out. You can get it for as low as $15-20/mo. I have Lemonade, and its been great. Just be careful when you sign up, as theres different iptions. I didn't get exam fees included for a nominal cost, and now I can't add it. Also, just bear in mind, no plan covers pre-existing conditions. So go ahead and get it with a kitten or when you first get your pet. They will ask for medical records. Really price compare and see what wirks for you. Pumpkin, I think, includes one dental a year, too.
I’m definetly looking into getting my cat insurance, though she hasn’t been to the vet for illnesses lately we still struggle to scrounge up the funds needed for her vaccine shots
every 6 months. Pet insurance is a must.
I've seen a lot of posters who have spent large amounts of money on dental work for their kitties. I have done so also. Did not know dental problems could be an issue with cats. No vet ever warned me.
Better to start thorough dental exams before it becomes a problem. My Queen is going in Monday for cleaning, x-rays and a possible extraction. I have 3 other cats and am lining them up for dental visits before it is a serious issue. I want their elder years to be as healthy as possible!❤
The 1st thing I did when I got my cat was to insure him. I've also got a separate buffer account for when he has any kind of need.
Got use for it too! Shortly after I got him, my Kitty ate a yoyo-string and needed an immediate operation to get it out. Didn't pay a dime, as it was the first time he had to use the insurance.
We are getting our new kitten in a few days and never heard of pet insurance before! We are also getting a dog soon so i better get this. So glad i follow uou, thanks!
paying about $120 for basic preventative and emergency care for two cats with ASPCA right now. It’s been good to me so far. Waits on claims are long but I’ve always gotten most of my money back.
My one addition...is to check what happens when a cat turns 10 years old(or if there are any changes as ones pet reaches various stages in life and so on). It was actually a massive part of why I chose the insurance company I have... its one of only two insurance companies that continued to cover the same things (or close enough) even as the cat reached that age and above. The rest... didn't.
If you’re comfortable with it can you share which company?
@@ChildOfHephaestus its a Norwegian (or potentially Scandinavian) insurance company so I doubt its overly relevant for you unless you live here :-) The one I use is 'agria'.
I've got ManyPets for my 3. Our two we adopted together as kittens were insured asap. Our third, which we took in as an adult, has a higher cost, but she also has the most health issues. So it's incredibly worth it.
Getting some things with my finances straight, but my husband and I have already made the decision to get our fur babies insurance later this month.
I wish to have pet insurance. I cannot afford it
Get the Care Credit card. You can pay a bill over 200 dollars out over time with no interest. Your vet will know about the card.
@@texasskygirl7890CareCredit only allows so high a limit based on your income. So if you are low income like me, you don't have a big enough limit for a major emergency.
The skyrocketing price has nothing to do with pet insurance companies like how health insurance companies raised the prices on human healthcare costs?
I pay $65 a month for trupanion for a domestic cat. I'd never be without insurance. My cat is my son and my responsibility
Idk. A lot of them are expensive, so if you have the 100 to pay, you just put into a savings account. They don't pay for everything so you still have to pay a lot out of pocket. Most don't pay for preexisting conditions. Most don't pay for dental, etc
That was my calculations as well. I looked into it and decided to just save the deductable every month.
Yep just spent over a thousand on teeth. Wouldn't have been covered. Glad I have a savings account for them instead. As a breeder I keep a minimum of 2500 in there but someone who just owns a few pets should be able to get by with half that.
Yeah, it's a big scam, at least for dogs. You pay based on breed statistics too, so if your breed has specific health risks, you have to pay a higher premium for something they don't even cover! Because they don't cover breed specific/pre-existing conditions.
which are you looking into bc i have one cat and pay $15 a month. Just had to cancel netflix and no problem. Insurance is better than no insurance
@@ngndndwhat insurance company are you with?
I can’t agree enough. We opted not to insure our first cat when we first adopted him. Within a few months, he developed some mystery issues. It turned out he had allergies but he had over a thousand dollars worth of tests before someone did an allergy panel. We learned our lesson and insured our second cat the moment we had her home; now listen, the insurance has already paid for itself for years into the future. She ate something, had an obstruction, and had emergency surgery. It was a BLESSING to be able to stand in that office and ask them to do exactly what is best without batting an eyelash at the bill. Not only did it save money but it made a horrifying, no-good-very-bad situation so much easier.
Pet insurance is genuinely just good financial sense. I tell everyone I know to get it.
EXACTLY
What insurance are you using?
@@lizrodgers6989 Ours is through Nationwide. I get a small discount through my work but even if I didn’t we would still pay for the coverage.
I have a wellness plan at my cat’s vet for regular visits and another insurance plan for emergencies. ❤
Not in the US but in Germany, my 2 Coonies are insured at Agila.
Insurance already paid itself for 6 1/2 years even though I'm not submitting all qualified bills
Animal friends were brilliant with our dog she had a rare eye condition that required expensive meds for life and they did not argue they just sorted it absolutely fantastic
I yave the ASPCA Insurance. I was told by my vets office that THEY would file for me if I had insurance, but they don't always file it and I end up having to do it.
NICE STACK OF MONEY BACK!!!!
I have it now, for the first time. So far it hasn't covered any of the kittens bills...but that was expected as they have been routine visits. Hope to never have to use it, but glad I sprung for coverage. Put them on it at 10 weeks old, so nice low premium.
I just got insurance for my 12 year old dog. She still acts like she's 3 years old.
In Canada it’s about $100 a cat and when it comes to pay it was always a fight!
I always adopt the older cats that no one wants and I can’t find insurance to cover them because of their age. Do you have any suggestions?
Thank you so much for adopting older cats. You are amazing. I just enrolled my cats in pet insurance. Before that i did a lot of research on brands. ASPCA and spot dont have upper age limits for enrollment. Dont know what the monthly payment would be though. Hope this helps!
Thank you I will check that out
Prices for Pet Insurance are okay over here in GB. Microchipping your cat will become law next year like it is law for dogs for a few years now.
$1000 for parvo. That is still hurting. But my female pittie mix lives on😊❤
It depends by the city you live. In the capital city its more expansive. In my town its very affordable if you have a qualified job.
My friend got pet insurance for an FLV-positive cat she adopted from the local shelter. The shelter sends animals home with one month of coverage, and Sarah immediately chose to continue coverage. She was VERY lucky, because poor Claude got very sick about a week after he came home. She's spent thousands on this cat in the past few months, and she's gotten like 90% reimbursed. And Claude is doing SO much better!
My cats are seniors and have pre-existing conditions, so when I looked into it recently, I couldn't get coverage... but it's absolutely happening for my next pets. I spend so much money on my fur babies. 😂
Wow that’s amazing. I don’t know why I haven’t considered insurance sooner. Luckily my pets have had a good life but I am currently fostering 4 kittens whose mom died. I’m keeping the runt who is blind in one eye to make sure he’s taken care of but I’m not sure if he would be covered? Can they be covered for other future problems that aren’t related? Since it’s not an ongoing illness or anything. Or would that immediately disqualify him? If anyone knows, I’d appreciate the insight😁
Me too. Can surely relate. I love them so.
If you have a specific breed of cat (I have a rescue Persian) make sure insurance covers pure breed cats. Some of them don't.
I work at a vet clinic and the discount is great, recently brought my dog in and my boss only had me pay 11 dollars
My Siberian cat (female) had Struvite Uroliths
When she was 4 and when I took her to the vet, he said that her bladder was so inflated with urine, that I should immediately take her to a Specialized hospital, otherwise, she wouldn't last more than 3 days. The surgery costs around 500k yen here in Japan (around 3.4k USD). Luckily the insurance she was in, covered half the value...🤑
She's 6 now and is totally fine, but need to keep eating eating prescription foods for the rest of her life.
We have multiple pets. The cost of health insurance for them is not feasible. We keep $1500 in a separate savings account ever since one of our cats needed bladder stone surgery. We also have an emergency credit card for additional costs.
Looking into pet insurance now actually. I know Phicians Mutual has it. I trust them.
I have one geriatric cat with nationwide insurance. A combo type policy… major medical and wellness. As Guchie got older the insurance premiums jumped in price. And I chose higher deductibles. It’s now 1500 a year with a 2 thousand dollar annual deductible.
I had to take my 4 month old kitten to the vet the other day to have an eye injury and some stomach issues checked, but as my luck would have it the entire visit was RIGHT below what my insurance would cover >.>
I was quoted $48.00 from lemonade for my tabby cat! I will get a few more quotes 1st❤
i have got a joint plan with metlife pet for my two cats. it has 2k of annual spendable funds that they will cover. i also got it with preventive care so they have 100$ of spendable funds for that on top of the 2k. i pay around 30 a month total for the plan (keep in mind i got a little bit of a discount bc of my dads company). they pay 80% of my funds since i’ve met my $200 deductible. my cats have mild chronic health issues so this comes in handy A LOT. especially when todays appointment costs about $600, i will only have to pay about 20% of that.
Great!
Our cat isn't on a pet insurance.But it's a very good idea. We have a saving up box for her.W e put money in it.❤😊
Thank God we have Mittens & Boots covered through an employer with VCA Animal Hospital. 😻😻
Fetch insurance. ❤
Cost us $3000 (CA) to get the shoelace that our cat had swallowed out of her tummy. She's happily swallow another one if we weren't more careful now.
We have nothing like pet insurance here in New York where I live but I've been lucky because for 12 years my cats never had to have an operation not counting getting fixed
It doesn't really exist in Poland. :( But we have affordable vet care... now. I hope they develop a network of insurance here, because it can really change any moment.
Good idea ,I have eleven cats .
I have a health plan as well as the insurance including the dental insurance too. One time I went to vet and asked her if she will put the operation (wound due to fight with another cat) under the insurance claim. She told me that she can do it but would not advise as it will be a low amount and its pointless... she said it will be approx. 200 GBP, I laughed and explained to her that even 200 GBP is some kind of money and that it is more than 75 GBP of excess fee. Having 4k a year to use, 200 will not hurt. Bill ended up being 850+ GBP . Luckily everything went via insurance.
In the Netherlands pet insurance only covers half the things and you'll pay more on insurance than when just making sure you have a pet care buffer.
What’s a pet care buffer?
@@laurelgirard8475 I guess it means money on your bank account dedicated to vet visits etc.
It's the same in Germany btw, I'm better off just putting the money that would go into pet insurance on my bank account. Plus I have the feeling that vet care is way cheaper over here than in the US. I had to take one of my cats last week and was surprised how cheap it was
@@caros8298Are they still real careful with their adoptions at the Tierheim? When I lived in Germany many years ago, they had us answer a lot of questions and fill out forms before we could adopt.
I loved that! ❤️
@@giraffeNana2023 I think it depends on the shelter. The local shelter where we got our cats didn't ask too many questions, they just made sure wether we had another cat in case we just wanted to adopt one and wether the apartment is big enough. We went there during kitten season, so I guess they didn't really have the capacity to do a thorough check. But I know that there are shelters with much stricter regulations, some even want to see your home before they send you home with an animal and then check on you a few weeks later.
@@caros8298 Yes! That's how they were with us. I wasn't offended. I thought it was a great idea make sure your new pet won't be alone for a long period of time. You know how some people say they want a pet, but after work they go out with friends, come home and go to bed with no interaction with their Furbaby.
I had to stop my pet insurance for a while because I didn't have the money anymore. Never had needed it anyway. That was after I had adopted 2 Kittens from the Streets and had gone through the whole medicine song and dance with them. Then, at their estimated 2 year birthmonth, one of them went missing and the other decided to eat a silicone brush and almost die from a clogged stomach. I went back on insurance real fast, but obviously the one time I needed it, I didn't have it...
I have 5 cats ! I had insurance once for my oldest at the time. It didn't pay that well(Nationwide) and I had to pay upfront and wait weeks to get paid by insurance. Didn't work for me and i can't afford to insure 5 cats. Not possible. Otherwise, I would do that. Now I'm retired and its even harder. Companies AND vets maje it very hard to take care of your pets. And then folks and vets complain that you are not taking adequate care of your pets !! It is entirely cost prohibitive.
Where I’m from it’s now law that all cats must be chipped, registered and have insurance. Also I think you have to make sure your outdoor cats can’t reproduce, so to not create strays or more abandoned cats.
Stripey👖 here has insurance. Insurance also meant I was able to save Kitten when she suffered a blood clot in that Y-vein by her tail. Emergency - as in right now - treatment and the insurance saved her life.
I just found out my job offers a pet care reimbursement plan with our insurance.
I cant even afford to insure myself.....