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Post by Deleted on Apr 14, 2011 11:12:48 GMT -5
I've been debating about enrolling all 4 kids in some sort of insurance program... Jack's $1200 surgery in October was probably the catalyst for these searches, hahaha. In my search I found this company www.petassure.com/currentplans.aspx?affiliateid=8875 who seems to do things a bit differently. For $16 a month, I can enroll both cats and both ferrets! But it's kind of like buying a membership to SAM's Club. You get an upfront discount at your Vet's office of 25 % for their services - check-ups, elective procedures (dental cleanings) and vaccinations are included as well as surgeries. Jack's last check-up, which included two xrays was over $150, and the discount on that visit alone would have paid for over half the "premium." My vet is not in the network yet, but I have referred them and hopefully soon she will be! If any of your vets are already in the network, this may be a good alternative to the few ferret insurance options out there! |
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Post by Deleted on Apr 14, 2011 11:56:00 GMT -5
Very interesting! Thanks for posting this - I'll have to check and see if my vets in the network.  |
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Post by Deleted on Apr 14, 2011 12:05:38 GMT -5
I'm considering VIP pet insurance. It's $120 a year per pet, which is kinda pricey, but it seems to cover quite a lot of services. the petassure 25% off is a lot of a discount, but if one of mine needed surgery ($1000+) the price would still be high with the discount  |
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Post by Deleted on Apr 14, 2011 12:11:37 GMT -5
I believe with VPI, they DO NOT cover any endocrine problems, ie no adrenal coverage  |
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Post by Deleted on Apr 14, 2011 12:12:44 GMT -5
True... maybe I should get both  |
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Post by tayrawrrr on Apr 14, 2011 12:40:28 GMT -5
I, also, have been thinking about insurance for my boys! I looked into Care Credit, and while it seems decent, i try and stay away from "credit cards". Im definitely going to look in to the insurance more....thanks for posting this |
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Post by Deleted on Apr 14, 2011 12:48:57 GMT -5
Not everyone is approved for carecredit, so relying on it can be risky.
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Post by tayrawrrr on Apr 14, 2011 17:36:21 GMT -5
I was reading the site/reviews about it and noticed that! If I DO decide to do it, I would apply *hopefully* before I needed it, that way I would already have the coverage. The one thing that bothers me about it, is the vet I use isn't on there. I know there is the "referral" option, but that's really a hit or miss!
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Post by Deleted on Apr 14, 2011 19:18:44 GMT -5
I did use Care Credit when Paulie went in for his emergency surgery that turned out to be a horrible case of enteritis, not blockage as originally thought. It was a lifesaver and the promo rates were perfect to make sure I paid it off when I could afford it. The nice thing is that if you have your own medical/dental/vision problems come up, the card is good for that too and the promos still apply. (Under 500 no interest for six months, over no interest 12 months I think?). It can't always cover everything, but it can help with some emergencies. Don't do what I did and have to apply for it during the emergency (that was bad timing for me all around--couldn't find a job then Paulie's IBD reared its ugly head for what it was, manifesting as a blockage).
Also, with VIP endocrine problems also include insulinomas to them. So, you are only really covered for things like blockage (which for some ferrets is a necessity) and lymphoma. I checked into it after Paulie's surgery. :/
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Post by miamiferret2 on Apr 15, 2011 11:11:02 GMT -5
Weird I think VPI used to reimburse me for insulinoma blood glucose tests?
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Post by Deleted on Apr 15, 2011 13:53:55 GMT -5
Hmm, I found the wording interesting. It could have been surgeries?
B/c blood glucose readings can also be preventative? Maybe it has changed since I considered getting it.
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Post by miamiferret2 on May 2, 2011 18:19:34 GMT -5
I pay $10 a month for Sonny's health insurance with VPI. I signed him up in November. So far I have paid $60 in premiums. A few weekday ago, Sonny bit the ears off of two small ceramic rabbits and i freaked -took him to the vet. It was well publicized in another thread... The vet bill was $255. I submitted the bill to VPI on 4/19/11. I received the reimbursement check in the mail today. I was refunded $184.50 (I have s $50 deductible). So, is it worth it? Yes! Worth every penny. It has already paid for itself and then some.
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