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Discussion Starter · #1 ·
Hello guys. I need help finding pet insurance for Misa. Is there any pet insurance out their that are for low income people or like free pet insurance? I was researching good pet insurance for my mom since she doesn't know how to use a computer, and a lot of them she didn't want me to sign up for.

Thanks

Olivia
 

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I use Petplan and it runs about 150 a year. I pay it quarterly.
Is there a website for them? My ex-husband has finally admitted (after having owned Midnight and her sons for just under 6 years) that he should look into pet insurance.
 

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It's especially good if your cat spends any time outside.
I wish I could put it on my FIV+ kitty... X___X
 

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Discussion Starter · #9 ·
Well I talk to my mom about that ans she really asked that is there any pet insurane that covers everything like medicad( If any ofy you hear about that.)
 

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Any level of coverage can be had for a price (maybe not with with the specific carrier mentioned though). If your mom is looking for free pet insurance...there's no such thing, pets are a luxury...
 

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Discussion Starter · #11 ·
Oh thanks. I was trying to fine one that seem resonable for her and so far the one that gave the best deal was pet plan..
 

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If she wants something that covers everything, why don't you just tell her to open a savings and deposit $10 in every month. ^^
 

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Oh thanks. I was trying to fine one that seem resonable for her and so far the one that gave the best deal was pet plan..
Whatever plan you do choose, make sure you pay close attention to "pre-existing condition" clauses. Read the fine print very carefully.
 

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Oh I have pet insurance now. :p IT's from the ASPCA though.

@Jberotte: That seems interesting. lol
Thanks for the update. I've looked at both the ASPCA and PetPlan's insurance policies and I'm leaning more toward PetPlan. I like the fact that I can get 100% reimbursement through PetPlan but I also like that the ASPCA covers wellness care and heartworm prevention (many don't). Decisions, decisions!

I started looking into pet insurance because I have a 7 year old shih tzu, Raven. and I want her covered in case she gets sick. My poor baby has already lost 6 teeth. It scared me when I noticed the first one was missing! At her wellness check up 6 months earlier they didn't mention any dental problems. I took her to the vet the next day and found another loose tooth. Two days later her teeth were cleaned and the vet removed 5 more because her lower jaw just couldn't hold all of them. Vet said that her teeth were in good shape but a lot of small breed dogs lose teeth as they age.

Raven's a snaggle tooth now...most were taken from the front...looks funny but I still love her to pieces. :)
 

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I wonder why no one has come up with a cooperative pet care sharing program. Similar to pet insurance where you put payments into a financial pool that gains interest but that it's owned and administered by the pool and not profit driven private enterprises. If I was to sign up with Trupanion right now I'd be paying $87 a month. In five years I would have invested $5000 into a company that will most likely deny most claims as both of my pets fall within a lot of their "pre-existing condition" clauses. If I put $100 away a month, I'd have $6000 saved up but even at a modest 3% interest it doesn't add up to that much. Now if you have a 500, 1000 or more people investing in the fund, interest gains would be a lot larger. I assume that is how Pet Insurance makes most of it's money, hedging funds. If pet owners never need to access their emergency fund they could withdraw what they didn't use, keep it in for future pets, donate it or whatever. I'm am sure there is a lot I am missing as I have no experience with insurance but it seems like a good idea to me.
 

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Whether to have pet insurance or not is something I've been mulling over. I've had pet insurance for 2 years, and now the price is going up due to inflation. $60 for 3 cats I think is excessive, but I'm scared of the vet bills when they get older. I'm also scared of what the insurance will cost when the cats get old enough to use it. I do save money in addition since Trupanion doesn't pay for standard treatment or dentals. If a person is really motivated to save, I think savings is probably better. One doesn't have to worry about claims being denied or vet facilities used.
 

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I ultimately signed up with PetPlan tonight. I have the gold package for both pets. Raven's policy is $77 a month but I feel it may be worth it in the end. She is older and could be prone to knee or back problems due to being a shih tzu.

Luckily for me, if any major expense comes up my parents will pay the bill and then I will reimburse them (minus the $50 deductible) once the insurance payment check arrives. I opted to recieve 100% reimbursement for vet fees and will get 80% back for any vet specialist treatment.

Buffy's cost is only $19 a month for PetPlan's gold package. I decided to insure her at 10 months because she can find trouble. I can see her eating a hair tie quite easily....I have to put them away because they are her favorite to steal and hide.
 
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