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Pet Insurance

kevin 714 said:
My vet hates pet insurance because in many cases it's a huge scam. Like buying that extended warranty, it never covers what you need.

She says the amount of claims denied is staggering. Which leaves the people even more distraught.
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+ 1000K

fucking bank the monthly payments and get better results!
 
I started one of those threads. I'm $100/month for my 2 mini aussies. 4.5 years old they are.

Pretty healthy. I think they need their teeth cleaned but that's not an insurance thing. I believe I'm $500 deductible and its through healthy paws, one of the better ones. As long as nothing was pre-existing it's the deductible + the remainder after 90%.

Putting $100 in a roth ira doesnt work cuz I can touch it til I'm 60. If say one needs surgery cuz something is found, it's probably a $4k procedure. If the insurance works that $500 + 10% of $3,500 = $850 for $4,000 of work plus the years of the monthly premium. In this case it's been 1 year so...$1,850 for $4,000 of work.

I guess if it's anything less than the months you've paid then it's not worth it? :dunno All depends if you have $$ in the bank and can afford to shell out some.

This has me thinking if I should continue it or not now :| I'll have to call and find out whats covered again and go in for a yearly bend over check up.

Anyone do anesthesia teeth cleaning? I'm being quoted all over the place $400-$1,000 per dog.
 
For a Roth Ira there is no penalty for withdrawing what you put in. Tax implications occur only on earnings
 
Do all the math you want, it wont change a "pre existing condition" that gets them out of paying you a dime.
 
Last May my little buddy scratched until he bled, and then didn't stop.

Allergy testing $500, 6 months of Immunotherapy shots @ $100/month which were just renewed, and now we're using $169/month in doggy Claratin/Atopica.

Plus it covers a portion of his usual checkups. Did a lump submission of paperwork and received a check for $2800, and the premium went up 10% for this year to $366.


However, also know I've yet to 'lose money,' with an extended warranty: a 250% on the car one, 300% on my Vespa extended warranty, and I also use DynaBeads :loco
 
Hows it a pre-existing condition when they had a clean bill of health initially? I had to get a vet visit before my benefits started to shot they had nothing and were healthy. Now when/if something were to come up, nothing was pre existing.

Not saying they can't still try and screw you. I just followed what I was to follow in documenting nothing pre-existing.
 
Dubbington said:
Hows it a pre-existing condition when they had a clean bill of health initially? I had to get a vet visit before my benefits started to shot they had nothing and were healthy. Now when/if something were to come up, nothing was pre existing.

Not saying they can't still try and screw you. I just followed what I was to follow in documenting nothing pre-existing.
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Some breeds have a predisposition for certain issues. Boston Terriers are known to develop LP (luxating patella). Some insurance companies may try to stiff you on that. I checked the pdf link I posted earlier...not covered.
 
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