info on pet insurance

blog.embracepetinsurance.com

If you are interested in learning more about pet insurance, I welcome
you to check out my pet insurance blog at the above web address
(blog.embracepetinsurance.com). I cover all sorts of topics from who
sells pet insurance, what the companies offer, the policy features pet
lovers should care about, health stories, and so on. The nice thing is
that it is interactive so you can comment and I respond, all in the
public eye.

In the spirit of full disclosure, my business partner and I are working
on setting up Embrace Pet Insurance, a pet insurance company, which we
hope to launch by the end of this year. Having said that, we believe in
open and honest communication with everyone interested in pet insurance
and are happy to talk about any kinds of pet insurance or other
questions without "corporate speak".

Looking forward to talking with you,

Laura Bennett
Embrace Pet Insurance
216 272 8898

Laura Bennett wrote:

blog.embracepetinsurance.com

If you are interested in learning more about pet insurance, I welcome
you to check out my pet insurance blog at the above web address
(blog.embracepetinsurance.com). I cover all sorts of topics from who
sells pet insurance, what the companies offer, the policy features pet
lovers should care about, health stories, and so on. The nice thing is
that it is interactive so you can comment and I respond, all in the
public eye.

In the spirit of full disclosure, my business partner and I are working
on setting up Embrace Pet Insurance, a pet insurance company, which we
hope to launch by the end of this year. Having said that, we believe in
open and honest communication with everyone interested in pet insurance
and are happy to talk about any kinds of pet insurance or other
questions without "corporate speak".

Looking forward to talking with you,

Laura Bennett
Embrace Pet Insurance
216 272 8898


Spam.

On Tue, 31 May 2005 16:11:01 -0400, Joe Canuck
wrote:

Laura Bennett wrote:

blog.embracepetinsurance.com

If you are interested in learning more about pet insurance, I welcome
you to check out my pet insurance blog at the above web address
(blog.embracepetinsurance.com). I cover all sorts of topics from who
sells pet insurance, what the companies offer, the policy features pet
lovers should care about, health stories, and so on. The nice thing is
that it is interactive so you can comment and I respond, all in the
public eye.

In the spirit of full disclosure, my business partner and I are working
on setting up Embrace Pet Insurance, a pet insurance company, which we
hope to launch by the end of this year. Having said that, we believe in
open and honest communication with everyone interested in pet insurance
and are happy to talk about any kinds of pet insurance or other
questions without "corporate speak".

Looking forward to talking with you,

Laura Bennett
Embrace Pet Insurance
216 272 8898


Spam.

Green eggs

I guess you aren't interested in pet insurance then?!

For people who are interested in pet insurance, I hope it's not. That's
also why I put my name and contact info so we could correspond.

Laura Bennett wrote:

I guess you aren't interested in pet insurance then?!

I'm not interested in spam.

If I want pet insurance, I know where to go find it.

Pet insurance doesn't need to come find me.

On Tue 31 May 2005 03:47:25p, Laura Bennett wrote in
rec.pets.cats.health+behav
roups.com):

blog.embracepetinsurance.com

If you are interested in learning more about pet insurance, I
welcome you to check out my pet insurance blog at the above web
address (blog.embracepetinsurance.com). I cover all sorts of
topics from who sells pet insurance, what the companies offer,
the policy features pet lovers should care about, health
stories, and so on. The nice thing is that it is interactive so
you can comment and I respond, all in the public eye.

In the spirit of full disclosure, my business partner and I are
working on setting up Embrace Pet Insurance, a pet insurance
company, which we hope to launch by the end of this year. Having
said that, we believe in open and honest communication with
everyone interested in pet insurance and are happy to talk about
any kinds of pet insurance or other questions without "corporate
speak".

Looking forward to talking with you,

Laura Bennett
Embrace Pet Insurance
216 272 8898



Laura, I only briefly scanned your site, and couldn't easily find
where to post a comment so I'm coming out of lurkdom to post my
experience with VPI. I purchased the VPI premium coverage (not
including vaccinations, because they are part of routine
"maintenance" IMO). I did get the extra "cancer" protection because
from my reading, cancer is as common, if not more so, in cats as it
is in people. My premiums for just one of my 4 cats is $19 per
month. The covered cat had pre-existing allergy problems, so that
isn't covered. Now that I've actually filed a claim, I see it
wouldn't matter even if it was covered, not including a recent
dermatologist's examination and recommendation. My covered cat had
a recent incident where his eye was injured during play-wrestling
with one of my other cats. Out of a $90+ vet bill, VPI paid $15.
This after a $50 deductable that I didn't see anywhere in the "fine
print". They claim that they pay out 90% "market value cost" of the
veterinary bill. Even after the $50 deductable, that leaves just
over $40 and they pay me $15? I can only imagine my out of pocket
expenses for a more serious, costly bill. Based on this, I canceled
the policy. IMO, and I've read the same from many here, those
premiums are better spent investing in a savings account earmarked
for vet costs only. Your marketing is only going after those in the
frame of mind I was in when I purchased the insurance; I had paid
out a lot of money for not just one sick cat, but two in a row who
were about the same age, but I hadn't prepared for it and it took
over 2 years paying off the credit card.

To any of you thinking pet insurance is a good deal, THINK about
it. Seriously. A savings account with the same monthly deposit that
you'd pay for an insurance premium adds up quick. Save that account
money only for sickness that you didn't expect, and not for routine
care costs.


--
Cheryl

"The clever cat eats cheese and breathes down rat holes with baited
breath."
- W.C. Fields

Cheryl, I hear you. Some of what you are saying is the reason that pet
insurance has taken it's time growing in the US.

Part of the problem with the existing programs is the lack of
disclosure (i.e. your deductible you weren't aware of) and not managing
expectations from the start. Unfortunately, VPI has a benefit schedule
they pay out on, which may or may not relate to what you paid to your
vet. Most people wouldn't think to take the schedule to their vet to
see if what they would charge is more (many times it's much more) than
what VPI will pay - why would you do that? I think most people assume
they would have enough coverage if that is what the policy says.

I just wrote a blog entry on whether or not a pet lover should consider
pet insurance because it certainly isn't for everyone. I talk about the
option of a savings account in it. And I agree with you - think
carefully about buying pet insurance and what features you are getting.
Here is the link:
http://embracepetinsurance.typepad.c..._i_buy_pe.html

BTW, if you want to comment on my blog, you can do so by clicking the
comment button at the bottom of the entries but here is just fine too.