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Old 06-24-2008, 07:43 PM   #21
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This discussion has me wondering about getting it for my cat. He's strictly an indoor cat and he turned 6 this year. Probably a good time to think about it as he's in great health now (I assume some kind of medical checkup would be involved).

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Old 06-24-2008, 07:54 PM   #22
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Yeah, but I bet $20 a month is the upper end of that, maybe for a large dog that is outside a lot and travels a lot with the family. People with 2 indoor cats and a house rabbit, like myself, would hopefully pay less! I'll have to look into it.

Look out for deductibles and caps per incidents too...
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Old 06-24-2008, 07:56 PM   #23
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I worked for a company that, as part of the normal health insurance package, also offered pet insurance.
I think it's Progressive that now offers crash insurance. If your pet is in the car with you during an accident they will pay for everything. SWMBO's sister has it and I think it's what I am going with next, we drive a lot with our setter.

Insurance is insurance. It always helps to have it because of those "That can't happen to me, oh wait it just did" moments. How often do those happen if at all, but we have the choice to pay into a program that will make the burden easier to bear. I would much rather part with $3,600 over a bunch of years than I would over a 2 day period. I would also rather pay that for a long time to make sure I will be able to get that care, what if you don't have the lump sum at the time?
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Old 06-24-2008, 08:51 PM   #24
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Whether or not you spend that much money on a pet is one thing... but don't bother with the insurance. It's like maternity insurance... by the time you're all said and done it ends up about the same. And if you don't make a major claim, you're saving money.

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Old 06-25-2008, 03:05 PM   #25
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Whoa, whoa, whoa - hold up. The insurance is way worth it for other reasons, too. It covers flea treatments, vet visits, shots, and all sorts of stuff you're already buying anyway. The insurance comes out to maybe $100 a year (not $20/mo), and I'd be spending a fair portion of that on regular vet checkups anyway. As I said before, I'd rather be out the few bucks a month for the life of the cat than have to make a horribly difficult decision about whether to spend a bunch of money on her or not.

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Old 06-25-2008, 03:28 PM   #26
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What about deductibles and co-pays? Remember these companies are doing this to make money.
I can see cats being cheaper then dogs hell my Mom's cat is over 15 now and has never had a single health issue.

Just make sure you read the fine print because this can be one of those things that you get what you pay for.

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Old 06-25-2008, 03:54 PM   #27
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What I have gotten is a bunch of free vet visits and pet care items, as well as peace of mind.

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Old 06-25-2008, 03:55 PM   #28
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... but don't bother with the insurance. It's like maternity insurance... by the time you're all said and done it ends up about the same. And if you don't make a major claim, you're saving money.
+1, IMHO. I seriously looked into PI for my cat when I first got her. That was back when she was a year old; now she is 12 yrs. and in good health (indoor cat). After doing my homework, I decided that, financially, it just didn't make sense. You are better off just putting away $$$ in an emergency/rainy day savings account and make money while it's there!

Here's more info for those interested.
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