Pet Insurance, what deductible did you pick? - Cat Forum : Cat Discussion Forums
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post #1 of 4 (permalink) Old 03-18-2016, 09:55 PM Thread Starter
Join Date: Jul 2015
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Pet Insurance, what deductible did you pick?

So, I have been looking at pet insurance and I of course get the quote and they recommend the second lowest deductible but I've also been told when it comes to stuff like deductibles that choosing a higher one is a better option.
My question is, which one did you all go for? Belle is about ten months now and indoors-only. The site I looked at, Trupanion (advertised by my vet), didn't even ask about whether I had gotten all her shots or spayed her so I guess that stuff doesn't count into their quote. I figured stuff like that came into account but maybe not.
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post #2 of 4 (permalink) Old 03-19-2016, 04:04 AM
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Location: Southern California
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I have Pets Best insurance for my 17-year-old girl.

I have a $200 annual deductible at a 90% reimbursement tier. I pay $1,126 per year for this policy.

That seemed like a lot, and I almost never used the service for the first few years (I got it in 2012). Then, last year in December, my cat had to go in for an obstruction and the insurance was suddenly totally relevant XD

So personally, I'm glad I went for the higher deductible/reimbursement plan. It's one of those things that you hope you never have to use, so it may seem like a useless expense... but then something happens and you don't have to choose NOT to get a procedure or surgery done because it's too expensive.

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post #3 of 4 (permalink) Old 03-19-2016, 11:56 AM
Join Date: Feb 2016
Location: Brooklyn, NY
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Kayla has insurance. I use 24hr pet watch.

My deductible is 100.00. 80% coverage. I pay 21.00 a month.
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post #4 of 4 (permalink) Old 03-19-2016, 03:06 PM
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Location: Central Oregon
Posts: 15,668
Hi SnowyOwl,
A comparison chart for you!

"A Cat must have three different names:
An everyday family name; A particular name;
And the name but the Cat Himself Knows, and will never confess." T.S. Eliot
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