PET INSURANCE…A RIP OFF?

by admin on September 28, 2011

On my Dog Buddha Facebook page, I posed a question about pet insurance, which raised quite a bit of conversation. Should you buy pet insurance or is it a rip off?

Today, I will give you my opinion on this topic.

Let me just tell you right from the start, many dogs and cats cannot be covered. Why? Age, pre-existing conditions (blindness for example in conjunction with being a senior.)  Similar to buying insurance for us, there are tricky little loops holes; reimbursement rules, claim deadlines that have to be followed exactly. The rules for each carrier are seldom bendable.  So understand your policy.

“Not insuring your pets in like not insuring one’s self or one’s kids. I just don’t get it.” This was a direct quote from a client of mine. Do you feel the same way?  I do feel the same way.  In fact, I think you should get your pet insured before you need it.  There’s always a waiting period.  And you never know when you will need that out of the box issue looked at.

Many of you had different opinions on this subject.  Some of you were all for it, while others tried to get insurance for seniors with disabilities and couldn’t.  There were others still, who thought getting insurance was just not worth the cost.  Can you afford to lay out $500 to $1000 in vet costs? I can’t.  Pet insurance helps you manage the unknown costs that are necessary to maintain your pet’s health and well-being.

Here are the facts:

1. Vet fees are going up in cost to you.

2. The ASPCA has stated that treatments like surgeries, chemotherapy, emergency room visits and associated tests are all going up in cost.

What’s  the Benefits of having your pet covered?

1. Most plans offer coverage for the diagnoses and treatment of accidents, illnesses, and some cover hereditary conditions.

2. Most plans cover blood work, some plans cover dental cleanings, vaccinations, MRIs, hospitalizations all the way to chemotherapy, depending on the plan you choose.

You might have guessed by now that I have pet insurance.  For me it’s just peace of mind and just that simple.

There are so many plans out there to choose from now. Shop around, ask a friend, your vet, use the Internet.  Some plans cover holistic care.

It’s a whole new world out there.  Do the research, make the time to fine out what works for you.
Send me your comments. Do you agree or disagree?  Subscribe to this blog, it’s easy to do!

Follow me on Facebook:  Alanna Chasin and Alanna aka The Dog Buddha.

If you found this blog interesting you might also like:

1. Owning A Dog Is A Privilege Not A Right.

2. www.dogster.com has a great article about pet insurance too. I recommend it in conjunction with this blog post.

Hugs and Licks! Hope you found this interesting.

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