How do you feel about insuring your animal? It is very affordable and
can save your pets life if trajedy strikes.

http://www.globalpetinsurance.com

In article .com,
Tackleberry wrote:
How do you feel about insuring your animal?

I think you're a lot better off taking what you'd pay for
premiums and sticking it in a savings account that's been
set aside especially for emergency dog expenses. Pet
insurance companies have a really terrible track record for
paying on claims and for all kinds of exclusions that they
manage to hide from the customer at the time they sign the
contract. Consumer Reports is very, very negative about pet
insurance.

Thanks for the spam, though.
--
Melinda Shore - Software longa, hardware brevis -

Prouder than ever to be a member of the reality-based community

I agree with Melinda. Not only should you put money aside but if possible
have a line of credit available just incase of something catrastrophic. I
put $50.00 a month a side and have a credit card that I keep completely paid
off just for emergencys.

Celeste

"Melinda Shore" wrote in message
...
In article .com,
Tackleberry wrote:
How do you feel about insuring your animal?

I think you're a lot better off taking what you'd pay for
premiums and sticking it in a savings account that's been
set aside especially for emergency dog expenses. Pet
insurance companies have a really terrible track record for
paying on claims and for all kinds of exclusions that they
manage to hide from the customer at the time they sign the
contract. Consumer Reports is very, very negative about pet
insurance.

Thanks for the spam, though.
--
Melinda Shore - Software longa, hardware brevis -

Prouder than ever to be a member of the reality-based community

"Tackleberry" wrote in message
oups.com...
How do you feel about insuring your animal? It is very affordable and
can save your pets life if trajedy strikes.

http://www.globalpetinsurance.com
============
I have VIP insurance for my dog. I have the superior plan. I just feel
more comfortable having it in case something happens to my dog. I had no
insurance on my my previous dog, and when she became ill, I had to pay a
couple of thousand dollars for tests to try to find out what was wrong with
her,. and I didn't want to have to go through that again. Rottweilers are
susceptible to cancer and rupture of the cruicate ligaments and I wanted to
make sure if anything like that happened to this dog, I would be able to
afford the necessary treatments. So far, I have had no health problems with
this dog.

pfoley wrote:

I have VIP insurance for my dog. I have the superior plan. I just feel
more comfortable having it in case something happens to my dog. I had no
insurance on my my previous dog, and when she became ill, I had to pay a
couple of thousand dollars for tests to try to find out what was wrong with
her,. and I didn't want to have to go through that again. Rottweilers are
susceptible to cancer and rupture of the cruicate ligaments and I wanted to
make sure if anything like that happened to this dog, I would be able to
afford the necessary treatments. So far, I have had no health problems with
this dog.

I don't know anything about VIP, but here's what Consumer Reports
says about pet insurance:
http://www.consumerreports.org/cro/p...et%20insurance
or http://preview.tinyurl.com/2elq9k

"Unless you can't resist a breed with chronic problems, pet
insurance will probably cost you more money than it will save
you. As with human health insurance, you'll pay deductibles,
co-pays, and premiums, and you may bump up against lifetime
payment ceilings if you own a chronically ill pet. In addition,
you might find some needed treatments are excluded from coverage.
Some policies also limit the amount they will pay per incident
and may make you pay higher co-pays as your pet ages. For
example, with PetCare's QuickCare Gold policy for dogs, you could
pay $36 monthly premiums for coverage for a 3-month-old bearded
collie. If that pooch needs $3,000 pacemaker surgery next year,
you'll have to pay a $50 deductible, after which the plan pays
100 percent (up to a limit of $3,000) of your costs. Not a bad
deal, because you will have paid just more than $430 in premiums.
***But if the surgery occurs after that dog turns 8 years old,
the plan will only pay 80 percent of your costs*** and you'll be
out about $3,500 in premiums. If you want to set aside money for
future medical bills, you might do better by putting the amount
you'd pay in premiums into a savings account."

The *** is the kicker - most pets have few problems when they are
young - there's a reason that the coverage goes down at age 8.

Not having really looked into pet insurance, I'd like to have a
better idea of what exclusions the insurance companies impose,
how many of these are disclosed before you sign up and start
paying, and if they are as willing to cancel your policy just
because you USE it as other types of insurance. I'd really like
to see a comprehensive study of the pet insurance companies and
the experience of their customers.

FurPaw
--
My family values don't involve depleted uranium.

To reply, unleash the dog.

In article ,
FurPaw wrote:
I'd really like
to see a comprehensive study of the pet insurance companies and
the experience of their customers.

This is in now way the former, but it's got some anecdotes
describing the latter. For example,

Vanna Condax of Chapel Hill, N.C., purchased insurance
for her two Scottish Deerhounds when they were
puppies. One of the puppies turned out to have been born
with a liver shunt. That condition is known to be a
problem in deerhounds and the insurance company excluded
it from coverage, so none of the $5,600 in veterinary
bills was reimbursed. The second deerhound fractured his
pelvis in the coursing field at age 3. At that point,
Condax had spent $1,296 on insurance premiums for
him. The cost of diagnosis and treatment came to $6,050,
but after deductibles and other limitations, she ended
up being reimbursed only $112.

Howl says that pet health insurance often restricts the
drugs and techniques that can be used in treating a pet,
just as HMOs restrict care for people. Several owners
that I have worked with have presented me with their
policy, and the drugs chosen per that policy were
alright, but not first choice for me, she says. I dont
mind starting that way, usually, but there are medical
reasons why the pet might need an alternative,
non-covered drug. And some covered medical and procedure
lists are incredibly restrictive.

http://www.msnbc.msn.com/id/7795900/

I'd feel differently about pet health insurance if there
were better guarantees about paying out if something
catastrophic comes up, but apparently they're even worse
than other forms of insurance.
--
Melinda Shore - Software longa, hardware brevis -

Prouder than ever to be a member of the reality-based community

"FurPaw" wrote in message
...
pfoley wrote:

I have VIP insurance for my dog. I have the superior plan. I just feel
more comfortable having it in case something happens to my dog. I had
no
insurance on my my previous dog, and when she became ill, I had to pay a
couple of thousand dollars for tests to try to find out what was wrong
with
her,. and I didn't want to have to go through that again. Rottweilers
are
susceptible to cancer and rupture of the cruicate ligaments and I wanted
to
make sure if anything like that happened to this dog, I would be able to
afford the necessary treatments. So far, I have had no health problems
with
this dog.

I don't know anything about VIP, but here's what Consumer Reports
says about pet insurance:

http://www.consumerreports.org/cro/p...et%20insurance
or http://preview.tinyurl.com/2elq9k

"Unless you can't resist a breed with chronic problems, pet
insurance will probably cost you more money than it will save
you. As with human health insurance, you'll pay deductibles,
co-pays, and premiums, and you may bump up against lifetime
payment ceilings if you own a chronically ill pet. In addition,
you might find some needed treatments are excluded from coverage.
Some policies also limit the amount they will pay per incident
and may make you pay higher co-pays as your pet ages. For
example, with PetCare's QuickCare Gold policy for dogs, you could
pay $36 monthly premiums for coverage for a 3-month-old bearded
collie. If that pooch needs $3,000 pacemaker surgery next year,
you'll have to pay a $50 deductible, after which the plan pays
100 percent (up to a limit of $3,000) of your costs. Not a bad
deal, because you will have paid just more than $430 in premiums.
***But if the surgery occurs after that dog turns 8 years old,
the plan will only pay 80 percent of your costs*** and you'll be
out about $3,500 in premiums. If you want to set aside money for
future medical bills, you might do better by putting the amount
you'd pay in premiums into a savings account."

The *** is the kicker - most pets have few problems when they are
young - there's a reason that the coverage goes down at age 8.

Not having really looked into pet insurance, I'd like to have a
better idea of what exclusions the insurance companies impose,
how many of these are disclosed before you sign up and start
paying, and if they are as willing to cancel your policy just
because you USE it as other types of insurance. I'd really like
to see a comprehensive study of the pet insurance companies and
the experience of their customers.

FurPaw
--
My family values don't involve depleted uranium.

To reply, unleash the dog.
============
Correction: I have VPI insurance; not VIP.
http://www.petinsurance.com/genLandi...B860F82CEF4260