Sammy’s Mommy Talks Pet Insurance!


Sammy had a real lucky escape!

Sammy had a real lucky escape!

 

Sammy has been home since Friday and is doing great. As a matter of fact, he’s doing so well that its near impossible to keep him confined to the guest room. And he’s already managed to break his e-collar! Good thing we have two.

He’s also been eating like a madman and making solid bowel movements.

It was a harrowing week but I think it’s finally safe to say that Sammy is home for good and on the road to a full recovery !

 

 

I have been off looking at Pet insurance, here are my findings!

Pet insurance has been available for several years, but only 1% of pet owners carry it. Having pet insurance for an emergency may be the answer you need to budget concerns. Although most pet insurance companies do not cover regular care such as vaccinations, routine physicals, or elective surgery, they do handle emergencies if your pet breaks a leg and needs surgery or treatment for other conditions.

Some pet-insurance plans include prescription medication and laboratory tests. Other policies cover annual visits but here ditary diseases or visits to specialists. Generally, you choose your vet, pay the bill, and then send in your claim for reimbursement.

In theory, pet insurance sounds like a great idea. Just like with human beings, health insurance for pets allows you to prepay some of the future veterinary costs that your pet is likely to incur. However, theory and practice aren’t always identical. For example, one major pet health insurer covers the cost of spaying and neutering but not the cost of anesthesia required for either procedure. Before making a decision whether or not to purchase pet insurance, read all fine print and call the representative to discuss what is covered and what isn’t. Request a complete list of what’s covered, especially exclusions of genetic conditions that can occur in your pet. There’s nothing worse than assuming the bill will be paid, only to discover when funds are short that it was not covered.

TEN QUESTIONS TO ASK EVERY PROVIDER
Before choosing a pet insurance or membership plan, be sure to get straightforward answers to all your questions. If it makes you more comfortable, get the answers in writing.

  1. What happens to my premium and to my dog’s policy if your company goes out of business? What guarantees do I have that I won’t be throwing my money away?
  2. How quickly do you pay claims?
  3. What is your policy deductible? Does the deductible apply per incident or annually? How does the deductible differ per plan?
  4. Does the policy have payment limits over a year’s period or during my pet’s lifetime? How do the payment limits differ per plan?
  5. What is the A.M. Best Co. rating of your insurance underwriter, and what does that rating mean?
  6. Is there a cancellation period after I receive my policy or membership? How long do I have to review all my materials once I receive them, and what is the cancellation procedure?
  7. How quickly do you pay claims?
  8. What is your policy deductible? Does the deductible apply per incident or annually? How does the deductible differ per plan?
  9. Does the policy have payment limits over a year’s period or during my pet’s lifetime? How do the payment limits differ per plan?
  10. What is the A.M. Best Co. rating of your insurance underwriter, and what does that rating mean?

I can only tell you what I would do and that would be to do the surgery. But, only you can decide what is right for you based on the entire picture. The best advice I can give you is to follow your intuition and trust yourself.

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8 responses to “Sammy’s Mommy Talks Pet Insurance!

  1. Twinkle & Skye

    We are very happy Sammy is recovering. We have looked for good health care insurance and have yet to find one that is satisfactory. i’ve thought it might be best to simply establish a savings just for such emergencies. …and Sammy we just cringe to see your tummy, sensing the hell you endured. We send our lovelights to you Dear One ~you have our hearts ~♥♥♥

  2. Thank y’all foe addressing this issue. I have looked at it, but have got any yet. This will help give me more motivation. We are so happy that our Sammy is okay and doing great, please give him kisses!!

  3. Like all Insurance, Pet Insurance is great when you need it but costly when you don’t! It is a shame to see all your redness sammy! hope you get better soon!

  4. Yippeee Hooray!!! I am too yappy for my loving Handsome Sammy is back to health. So i am waiting for his fun pawfile… Heeheee…Oh Yes, we need to hv pet insurance like human for it weally cost a bomb to us to keep our pet… mom bought for me since i hv to take lifetime medication….. You are so much right for we do hv it here… thought mum is jobless she is willing to pay out her life saving to get to me… for i am a wery sick dog going to put to sleep on SPCA + but mum kept me even on her grief to my belated bro Bobbie’s death on the 3rd day!!!! We need Pet Insurance for sure for Weathers + lots of happening everywhere to our doggies + humans…. I WILL ALWAYS LOVE YOU SAMMY BRO FUREVER!!!

  5. BARBARA AND SUSIE LOBO

    GREAT INFORMATION .THANKS SO MUCH AND I AM SO GLAD SAMMY IS BETTER WERE SO WORRIED ABOUT HIM. AGAIN GREAT ARTICLE

  6. I was glad that you addressed this issue Pet Insurance (VPI) is the nation’s oldest and largest company of its kind. It has been around since 1982, but the concept is only starting to catch on now, gradually but surely. More and more, owners are realizing the impact of unexpected veterinary costs, many option to choose from to fit every life style and pocket book. It all boils down to a change of perspective. The next time you think about buying an expensive toy or novelty gift for that special pet of yours, try to envision the larger picture. What is the best gift I can give my pet that will give me peace of mind?

  7. Ellie and Bella

    Thank you so much for all the info, it was very enlightening!!! xoxox

  8. Visit our main website, it’s a pet lovers social community, you can share pictures and stories about your fantastic pets! Dogpawfile.com

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