Pet insurance?

[loribee59]

I'm an owner of a beautiful white cat, Ember who just turned 9 this past May.

I'm concerned~ is that this is the time when her health will start to decline, and frankly, because I'm single with ONE income, I can't afford the care for her health.

My question about pet insurance~ I'm wondering if anyone had pet insurance, and if so, is it as good as they said they are, or a waste of time & money? And which pet insurance does a good job covering medical stuff for your pet?
And which ones are affordable (I can only budget $10-$20 a month for insurance)?

would appreciate some advice on this..!

thanks!

~Lori

 

[MaddiesDad]

for pets with some chronic problems it is a must.our dogs and horses have insurance.for us it is a savings because of some of the trips to the dr's were covered,like xrays,surgery,etc. some things are not with horses especially. hoof problems,etc. is your vet suggesting this to you?

 

[loribee59]

No, but my cat is getting on her years now...she's 9, (54 in human years I think)~no vet suggested anything...and I felt it's best to be prepared for whatever her health dictates at the time. Because I live on ONE income, I can't see myself not being able to afford her care as she ages.

 

[scottidog]

I had pet insurance for my dog a few years ago. I used http://www.petinsurance.com/

I would not recommend them. I was never able to get them to pay for anything. I paid in excess of $300 for a year's coverage and they never paid me a dime back for anything at all. I could have actually used the $300 for my dog's health care and have been in better shape.

 

[loribee59]

That's what I'm concerned about...what insurance 'trap' I might fall into. In fact, I've studied a couple of them including your link, the most of the time, they will have you pay the amount, and promises to reimburse the money you've spent. If I were you, I'd have gone to the Dept of Justice in your state, and file a complaint against this company, and contact BBB as well. Thanks for the heads up.

 

[country woman]

I think the wise thing is to check out the different companies around the area where you live and compare them.Good luck in your search.

 

[scottidog]

That's what I'm concerned about...what insurance 'trap' I might fall into. In fact, I've studied a couple of them including your link, the most of the time, they will have you pay the amount, and promises to reimburse the money you've spent. If I were you, I'd have gone to the Dept of Justice in your state, and file a complaint against this company, and contact BBB as well. Thanks for the heads up.

This was a company recommended at my vet's office. And yeah, I probably should have followed up on it, but I was in the middle of a move and dealing with illness in the family. I just wasn't up to fighting with them.

As I understand it, you're right. Most of them, YOU pay up front and then they re-imburse you. Or not.