If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. |
|
|
|
Thread Tools | Display Modes |
#11
|
|||
|
|||
anyone has PC pet insurance?
Winnie, look at this:
http://www.carecredit.ca/ They have it here to and someone on one of my cat health groups used it. I've heard of it before and in fact, I'm going to do it because, while MY vet would take payments from me if needed, the crunch comes from the emergency vet and the one in my town takes this. I've had to use them twice and it is pricey and they need payment right away. THere is no interest if you pay in the smaller amounts of time. See if your vet is one that takes it. "MaryL" -OUT-THE-LITTER wrote in message news:PKm_f.1521$EA3.1364@dukeread10... "EvelynVogtGamble(Divamanque)" wrote in message ... W. Leong wrote: Does anyone has PC pet insurance in Canada? I think this is fairly new. I appreciate hearing any opinion on this insurace. Info can be found at http://www.pcinsurance.ca/ROCEN/PI.asp?referid=leftnav With the rising cost of vet bills for an aging cat, I am considering getting insurance for Rusty. But since he is almost 12 years old, many insurance will not accept him. With his history of urinary problems, even PC pet insurance which accepts pets at any age will exclude coverage on urinary problems for him. So I am uncertain whether it is worth it or not. The info didn't indicate whether blood and urine tests are covered. I found those quite costly. I will like also like to hear opinions on pet insurace in general. I had pet insurance on my cats when it first was offered in the U.S. I soon decided it wasn't worth the price - at least not in the form in which it was available then. The premium is on a sliding scale, depending upon the pet's age, so if you have a healthy older pet, you may find yourself paying out more in premiums than you would in pay-as-you-go fees. It did not cover routine shots and exams, which were all my guys needed, most of the time. IIRC, the total coverage had a (fairly low) ceiling, above which I'd have had to pay the whole bill, anyway..... Policies may have changed considerably since then (it WAS quite a few years ago), so I don't want to discourage you entirely. However, just remember that insurance companies are in business to make money, so be very sure what you'll be getting, and EXACTLY how much you'll be paying. I came to the same conclusion after checking out several policies. I opted, instead, to open a special savings account just for Holly and Duffy. I put a small amount into it every month, and I have not touched it for anything so far. It is not for routine exams or even for minor problems. It is reserved for any major problems that may crop up in the future (and they will, as my cats age, at least if my previous cats are indicators). I hope that I will have a reasonable fund by the time it is needed so that I can self-insure. That takes some risks that not enough time will elapse, but I think it is likely to provide better care than most insurance policies. (I am in the U.S., so I do not have specific information about Canadian policies.) MaryL Photos of Duffy and Holly: 'o' Duffy: http://tinyurl.com/cslwf Holly: http://tinyurl.com/9t68o Duffy and Holly together: http://tinyurl.com/8b47e Recent pics: http://tinyurl.com/clal7 |
#12
|
|||
|
|||
anyone has PC pet insurance?
Thanks Karen. This maybe just what I need for Rusty and myself.
I like the no interest payment part. Better than using my credit card (which I use every time at the vet and my dentist) or line of credit. I will ask the vet whether he will take it. Winnie "Karen" wrote in message ... Winnie, look at this: http://www.carecredit.ca/ They have it here to and someone on one of my cat health groups used it. I've heard of it before and in fact, I'm going to do it because, while MY vet would take payments from me if needed, the crunch comes from the emergency vet and the one in my town takes this. I've had to use them twice and it is pricey and they need payment right away. THere is no interest if you pay in the smaller amounts of time. See if your vet is one that takes it. "MaryL" -OUT-THE-LITTER wrote in message news:PKm_f.1521$EA3.1364@dukeread10... "EvelynVogtGamble(Divamanque)" wrote in message ... W. Leong wrote: Does anyone has PC pet insurance in Canada? I think this is fairly new. I appreciate hearing any opinion on this insurace. Info can be found at http://www.pcinsurance.ca/ROCEN/PI.asp?referid=leftnav With the rising cost of vet bills for an aging cat, I am considering getting insurance for Rusty. But since he is almost 12 years old, many insurance will not accept him. With his history of urinary problems, even PC pet insurance which accepts pets at any age will exclude coverage on urinary problems for him. So I am uncertain whether it is worth it or not. The info didn't indicate whether blood and urine tests are covered. I found those quite costly. I will like also like to hear opinions on pet insurace in general. I had pet insurance on my cats when it first was offered in the U.S. I soon decided it wasn't worth the price - at least not in the form in which it was available then. The premium is on a sliding scale, depending upon the pet's age, so if you have a healthy older pet, you may find yourself paying out more in premiums than you would in pay-as-you-go fees. It did not cover routine shots and exams, which were all my guys needed, most of the time. IIRC, the total coverage had a (fairly low) ceiling, above which I'd have had to pay the whole bill, anyway..... Policies may have changed considerably since then (it WAS quite a few years ago), so I don't want to discourage you entirely. However, just remember that insurance companies are in business to make money, so be very sure what you'll be getting, and EXACTLY how much you'll be paying. I came to the same conclusion after checking out several policies. I opted, instead, to open a special savings account just for Holly and Duffy. I put a small amount into it every month, and I have not touched it for anything so far. It is not for routine exams or even for minor problems. It is reserved for any major problems that may crop up in the future (and they will, as my cats age, at least if my previous cats are indicators). I hope that I will have a reasonable fund by the time it is needed so that I can self-insure. That takes some risks that not enough time will elapse, but I think it is likely to provide better care than most insurance policies. (I am in the U.S., so I do not have specific information about Canadian policies.) MaryL Photos of Duffy and Holly: 'o' Duffy: http://tinyurl.com/cslwf Holly: http://tinyurl.com/9t68o Duffy and Holly together: http://tinyurl.com/8b47e Recent pics: http://tinyurl.com/clal7 |
#13
|
|||
|
|||
anyone has PC pet insurance?
W. Leong wrote: I understand that. But I am wondering whether I should get inurance for any future problems such as diabetes, kidney problems, hyperthyroid etc which are common among older cats. Currently Rusty does not have these problems, but as he ages he will be at risk for them. What do other cat slaves do as their cats age? On the other hand, I don't even have supplemental medical insurance for myself. I just got the basic governement health insurance, and I am aging as well. But not old enough to qualify for senior health benefits. I can't even get critical illness insurance as I am too old for that. So with Rusty's vet bills and my own health expenses I am looking at potentially a large sum. Not a pleasant thought. Some said health is more important than money. But without money how do you pay for the needed medical services and drugs etc to maintain ones' health. I better stop before I get more depressed thinking about it. Winnie wrote in message oups.com... Hi Winnie, unfortunately any insurance will decline coverage to pre-existing conditions. Before you apply make sure you read all the exclusions, so you don't have any surprises when you need it. I got Otis insured when he was 7. I didn't read the policy properly as a friend recommended the insurance company. It turns out they only pay out for each illness for a year, Otis now has kidney disease and diabetes. However, the money they did pay out for each illness is probably still quite a lot apart from the excess. It's swings and roundabouts really, but I'd try to get one that paid out for the "duration of the illness". Marcia (in UK) |
|
Thread Tools | |
Display Modes | |
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
[OT] Why do insurance companies have to make things so complicated? | Monique Y. Mudama | Cat anecdotes | 10 | April 5th 06 06:12 AM |
[OT] confused and worried about dental insurance | Monique Y. Mudama | Cat anecdotes | 9 | July 7th 05 10:34 PM |
info on pet insurance | Laura Bennett | Cat health & behaviour | 6 | June 1st 05 04:01 AM |
Petcare Pet Insurance - negative experience | Gina | Cats - misc | 2 | October 31st 03 04:50 AM |
Petcare Pet Insurance - negative experience | Gina | Cat health & behaviour | 4 | October 30th 03 12:52 PM |