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How does pet insurance work?



 
 
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  #11  
Old February 1st 14, 10:51 PM posted to rec.pets.cats.anecdotes
Christina Websell
external usenet poster
 
Posts: 8,983
Default How does pet insurance work?


"Judith Latham" wrote in message
...
In article , Christina Websell
wrote:

"Sharon & Smudgie" wrote in message
...
So glad to hear Boyfie is home and on the mend

I had to pay the specialist vet then claim it back when Smudgie was in
there being diagnosed with Epilepsy. I could have waited a further 2
days on from when she was admitted so vet could set up the payment
directly with her insurer. I didn't want to wait, hence agreed to pay
up and then claim it back.

Sharon

You have to pay the whole amount here when you collect your pet. Which
seems bit pointless because most people take out pet insurance because
they don't have access to hundreds/thousands up front and think it
means they can get their animal treated and paid for,and the vet will
wait for the payment.


I didn't have to pay up front when I claimed for Sootie. I took in the
claim form to the vets, I paid my £50 pound excess and the 10% on top of
that, then the vet's practice dealt with getting the rest and it was paid
directly to them.

That's the only time I've claimed so I don't know how other practices deal
with it.

Judith

I had to pay up front to get Boyfie home. I'd like to suggest to them in
the future that they cut some slack around huge bills. Yes, I know it costs
a lot to provide 24/7 care and I'm very grateful for it but what would have
happened if I said "I cannot afford to save Boyfie?"
They'd had have him put down.
So I said I could afford it. and somehow thanks to you all. I could.
Bless all you beautiful people who contributed (I'd like to thank you
personally but the vet admin didn't allow me get your email addresses.)
Very professional, they stripped them out when they forwarded his emails.

It was certainly a big bill, but hey, Boyfie is still here.
Tbh, I've would have mortgaged my house to save his life.

Tweed







  #12  
Old February 2nd 14, 01:14 AM posted to rec.pets.cats.anecdotes
Jack Campin
external usenet poster
 
Posts: 675
Default How does pet insurance work?

I checked into pet insurance a decade ago simply because I was
curious.


Our local rugby team used to have a signboard over their ground
saying their sponsor was a pet insurance firm. That told me all
I needed to know about how much profit they were making.

The most expensive thing we've had with our cats was surgery for
Courtney's broken hip - probably about the same as what Tweed's
incurred, and we're much less well off. Marion sometimes called
her "Holiday" after that because it meant no holiday that year.

Using a credit card and an overdraft instead of pet insurance
must have worked out a lot cheaper, though we never calculated
the exact figures.

-----------------------------------------------------------------------------
e m a i l : j a c k @ c a m p i n . m e . u k
Jack Campin, 11 Third Street, Newtongrange, Midlothian EH22 4PU, Scotland
mobile 07800 739 557 http://www.campin.me.uk Twitter: JackCampin
  #13  
Old February 2nd 14, 06:17 AM posted to rec.pets.cats.anecdotes
Sylvia M[_3_]
external usenet poster
 
Posts: 1,034
Default How does pet insurance work?


"Jack Campin" wrote in message
...
I checked into pet insurance a decade ago simply because I was
curious.


Our local rugby team used to have a signboard over their ground
saying their sponsor was a pet insurance firm. That told me all
I needed to know about how much profit they were making.

The most expensive thing we've had with our cats was surgery for
Courtney's broken hip - probably about the same as what Tweed's
incurred, and we're much less well off. Marion sometimes called
her "Holiday" after that because it meant no holiday that year.

Using a credit card and an overdraft instead of pet insurance
must have worked out a lot cheaper, though we never calculated
the exact figures.


I may be gullible, but I bought into pet insurance when I adopted
Pit2nya. I recall that it was one of the conditions that the Rescue
Group set forward. It helped once with dental work. I had to pay
up front and send the forms in.
If she ever got diabetes or something else that was serious it would
pay for the years I have 'donated' payments, rather than a great deal
at one time.

Sylvia M


  #14  
Old February 3rd 14, 12:39 AM posted to rec.pets.cats.anecdotes
Sylvia M[_3_]
external usenet poster
 
Posts: 1,034
Default How does pet insurance work?


"Judith Latham" wrote in message
...
In article , Christina Websell
wrote:

"Judith Latham" wrote in message
...
In article , Christina Websell
wrote:

"Sharon & Smudgie" wrote in message
...
So glad to hear Boyfie is home and on the mend

I had to pay the specialist vet then claim it back when Smudgie
was
in there being diagnosed with Epilepsy. I could have waited a
further 2 days on from when she was admitted so vet could set up
the payment directly with her insurer. I didn't want to wait,
hence
agreed to pay up and then claim it back.

Sharon

You have to pay the whole amount here when you collect your pet.
Which seems bit pointless because most people take out pet
insurance
because they don't have access to hundreds/thousands up front and
think it means they can get their animal treated and paid for,and
the
vet will wait for the payment.

I didn't have to pay up front when I claimed for Sootie. I took in
the
claim form to the vets, I paid my £50 pound excess and the 10% on
top
of that, then the vet's practice dealt with getting the rest and it
was paid directly to them.

That's the only time I've claimed so I don't know how other
practices
deal with it.

Judith

I had to pay up front to get Boyfie home. I'd like to suggest to
them
in the future that they cut some slack around huge bills. Yes, I
know
it costs a lot to provide 24/7 care and I'm very grateful for it but
what would have happened if I said "I cannot afford to save Boyfie?"
They'd had have him put down. So I said I could afford it. and
somehow
thanks to you all. I could. Bless all you beautiful people who
contributed (I'd like to thank you personally but the vet admin
didn't
allow me get your email addresses.) Very professional, they stripped
them out when they forwarded his emails.


It was certainly a big bill, but hey, Boyfie is still here. Tbh, I've
would have mortgaged my house to save his life.


Tweed


I had always had to pay up front before I told them I had insurance
then I
only had to pay my excess and then they billed me for the 10% later.
They
have a different system if it's to go through insurance. Ask at Chine
House what their system is for insurance payment. I think it would be
the
same as at my vet. I think it's well worth having Sootie insured,
(even if
I hadn't had to clam quite a big bill within only paying a couple of
months, I still think they're out of pocket). I know I can pay the
bills
then and if I ever manage to retire, that will be very important.

Judith

--
Judith Latham
Stourbridge, West Midlands. UK.


I'm retired, have been for a while, and our income is kind of fixed, but
with a bit of flexibility. Auto insurance, taxes, dental and car
repairs hurt though.

Sylvia


  #15  
Old February 3rd 14, 01:18 AM posted to rec.pets.cats.anecdotes
jmcquown[_2_]
external usenet poster
 
Posts: 8,008
Default How does pet insurance work?

On 2/2/2014 6:39 PM, Sylvia M wrote:
I'm retired, have been for a while, and our income is kind of fixed, but
with a bit of flexibility. Auto insurance, taxes, dental and car
repairs hurt though.

Sylvia

Yep. I had to have my security alarm (a requirement where I live)
repaired. A couple of months ago the clutch went out on my car. Towing
to the shop is covered by my insurance (whew) but the cost of a new
clutch, ouch. Better than a new car, though! I tuck a little money
away as often as I can for Persia's medical care.

Jill
  #16  
Old February 9th 14, 12:05 AM posted to rec.pets.cats.anecdotes
Christina Websell
external usenet poster
 
Posts: 8,983
Default How does pet insurance work?


"Sylvia M" wrote in message
...

"Jack Campin" wrote in message
...
I checked into pet insurance a decade ago simply because I was
curious.


Our local rugby team used to have a signboard over their ground
saying their sponsor was a pet insurance firm. That told me all
I needed to know about how much profit they were making.

The most expensive thing we've had with our cats was surgery for
Courtney's broken hip - probably about the same as what Tweed's
incurred, and we're much less well off. Marion sometimes called
her "Holiday" after that because it meant no holiday that year.

Using a credit card and an overdraft instead of pet insurance
must have worked out a lot cheaper, though we never calculated
the exact figures.


I may be gullible, but I bought into pet insurance when I adopted
Pit2nya. I recall that it was one of the conditions that the Rescue
Group set forward. It helped once with dental work. I had to pay
up front and send the forms in.
If she ever got diabetes or something else that was serious it would
pay for the years I have 'donated' payments, rather than a great deal
at one time.

Sylvia M


I always thought that people got pet insurance because they knew they
couldn't afford a huge bill up front. I was very lucky to find the money to
get Boyfie home.
I wonder what would have happened to him if I'd said yes and it was no. I
doubt they would have put him down after saving him. So always say yes to
the vet, you will find the money somehow.
Tweed





  #17  
Old February 9th 14, 12:10 AM posted to rec.pets.cats.anecdotes
Christina Websell
external usenet poster
 
Posts: 8,983
Default How does pet insurance work?


"Sylvia M" wrote in message
news


Boyfriend thanks you very much for your contribution (me too)


  #18  
Old February 9th 14, 12:42 AM posted to rec.pets.cats.anecdotes
Christina Websell
external usenet poster
 
Posts: 8,983
Default How does pet insurance work?


"jmcquown" wrote in message
...
On 2/2/2014 6:39 PM, Sylvia M wrote:
I'm retired, have been for a while, and our income is kind of fixed, but
with a bit of flexibility. Auto insurance, taxes, dental and car
repairs hurt though.

Sylvia

Yep. I had to have my security alarm (a requirement where I live)
repaired. A couple of months ago the clutch went out on my car. Towing
to the shop is covered by my insurance (whew) but the cost of a new
clutch, ouch. Better than a new car, though! I tuck a little money away
as often as I can for Persia's medical care.

Jill


I love my old car, Mr F. He costs me nothing except his annual service and
he is very reliable. Put the key in and he strikes up every time.
But I have to save for another one because he's not going to last for ever
(he says he will) but realistically he is 18. I will keep him as long as
possible.
I don't want a newish car that I cant fling bales of straw in or chicken
food. Mr F is perfect for that. If he died it would be dreadful.





  #19  
Old February 9th 14, 01:18 AM posted to rec.pets.cats.anecdotes
Christina Websell
external usenet poster
 
Posts: 8,983
Default How does pet insurance work?


"jmcquown" wrote in message
...
On 2/2/2014 6:39 PM, Sylvia M wrote:
I'm retired, have been for a while, and our income is kind of fixed, but
with a bit of flexibility. Auto insurance, taxes, dental and car
repairs hurt though.

Sylvia

Yep. I had to have my security alarm (a requirement where I live)
repaired. A couple of months ago the clutch went out on my car. Towing
to the shop is covered by my insurance (whew) but the cost of a new
clutch, ouch. Better than a new car, though! I tuck a little money away
as often as I can for Persia's medical care.

Jil


I tucked away money for Boyfie's vet care for years but he blew the whole
lot and more with this. Do I care how much he cost? No. Not a bit. I'd
have mortgaged my house to save him.
He is doing so well, like it never happened.
But I know it did. He might have forgotten the rush to the vet at midnight,
I haven't.
Tweed


 




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