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Post by angelfish on Apr 14, 2011 16:41:16 GMT -5
Miamiferret2's post (glad Sonny is A-OK, btw) clued me in to pet insurance. I meant to purchase insurance when I got both my cat and dog but never did. Thankfully, I've never had any issues with them besides routine checkups, vaccinations, and dental cleanings but I'm thinking it might be worth picking up insurance for the three ferrets at the very least. (If I got insurance for all 6, I think it would add up to over $100/month).
Does anyone have pet insurance? Have you had to use it? Was it worth it? I noticed VPI doesn't cover any adrenal management or surgeries but it would cover other surgeries - that alone might be worth it. (Considering Sugar cost us $800 the first week we had her because of an obstruction).
I looked into PetAssure but none of the vets that we use or come recommended are on their list local to us.
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Post by Deleted on Apr 14, 2011 16:43:43 GMT -5
I think it also depends on which country you are located in. I'm pretty sure the US has more options then here in Canada
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Post by angelfish on Apr 14, 2011 16:45:16 GMT -5
Oh, sorry. I live in Pennsylvania.
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Post by Sherry on Apr 14, 2011 16:51:01 GMT -5
In Canada, none of the insurance companies I spoke to even cover ferrets- only cats and dogs
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Post by Deleted on Apr 14, 2011 16:52:34 GMT -5
I'm on the fence here too. Pet insurance would be nice, but it kinda expensive (3 ferrets x $120 = $360) and it doesn't cover routine stuff. Maybe you could refer your vet to join the petassure program?
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Post by Deleted on Apr 14, 2011 16:53:09 GMT -5
In Canada, none of the insurance companies I spoke to even cover ferrets- only cats and dogs Really? That's very disappointing. I was planning on bringing it up during my next vet visit. Did you look recently?
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Post by Deleted on Apr 14, 2011 16:55:16 GMT -5
I'm on the fence here too. Pet insurance would be nice, but it kinda expensive (3 ferrets x $120 = $360) and it doesn't cover routine stuff. Maybe you could refer your vet to join the petassure program? Pet assure is the discounted vet visits right? Like 25% off etc.. Does anyone know if that is offered in Canada Sorry angelfish for kinda hijacking
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Post by angelfish on Apr 14, 2011 17:27:53 GMT -5
No prob. I just got off the phone with VPI. They charge 11.50/ferret/month.
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Post by Deleted on Apr 14, 2011 17:43:00 GMT -5
Do you make monthly payments or pay $120 up front?
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Post by angelfish on Apr 14, 2011 18:06:36 GMT -5
No. They charge monthly to a credit card. The first payment is two months up front, or in my case, 1.5 months since this is mid month. So, my first payment would be 18.99/ferret and then it becomes 11.50/month. The cost might change depending on the state.
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Post by Deleted on Apr 14, 2011 18:17:10 GMT -5
I wonder if there is a multiple pet discount... That would be nice
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Post by miamiferret2 on Apr 14, 2011 18:53:29 GMT -5
Well, as you can see, I run to the vet for everything so I NEED VPI. I have already been paid the $120 premium in claims and then some. I will be submitting today's vet bills. Sonny's plan is from Nov to Nov. I paid the whole year up front (they refund you the balance of policy term if your pet dies). You can pay monthly also. this year, VPI has already paid me more money than I've paid them in premiums.
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Post by valkyriestorm on Apr 14, 2011 20:22:10 GMT -5
VPI does ferret Insurance now?? Looked at them a few years ago and they did not cover ferrets
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Post by Sherry on Apr 14, 2011 21:17:18 GMT -5
Really? That's very disappointing. I was planning on bringing it up during my next vet visit. Did you look recently? Last spring. I went to the pet expo here, and 3 or 4 different companies had booths set up. Can't remember which they are now, sorry. But none would cover ferrets, nor did they know of one who did. They'd(at that point) not had enough requests to consider looking into it
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Post by Heather on Apr 15, 2011 0:36:51 GMT -5
There was some conversation about this about a year ago. Now things might have changed but a lot of people were finding that as soon as the ferret was diagnosed as chronic (adrenal, insulinoma) they wouldn't cover any further treatments. Some were finding they wouldn't cover things like foreign ingestion surgeries, adrenal surgeries, lupron shots....things that really need to be covered. Many were finding that it was much more beneficial to take that money and put it into a savings account earmarked for ferret care. Up here in Canada, they won't cover them...and there was one here in ON, but it wasn't worth the time to even look them up. They claimed to cover ferrets the same as cats but once a ferret got past a year or so they didn't even cover annual vet visits. They didn't cover any emergency procedures. I think the best thing is to do your homework and if it sounds too good to be true, chances are it is. ciao
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