003. Pet Insurance
Description
This article is from the Basic Health Care FAQ, posted to rec.pets.cats newsgroup. Maintained by Cindy Tittle Moore with numerous contributions by others.
003. Pet Insurance
In the August issue of Cat Fancy, there is an article discussing health maintenance plans for cats that is set up between your vet and yourself and then administrated by this HMO company.
Update 2009: Coverage is available through VPI Pet Insurance, Pet Plan, Pet's Best Insurance. RLI Planned Services no longer provides this service.
The article included a sample plan. For $75 a year, your cat receives:
Basic Health Care
1 physical exam, no charge
1 FVRCPC booster, no charge
1 Rabies booster, no charge
1 FeLV test, no charge
50% off FeLV series
Fecal analysis, ear flush, worming, no charge
1 Pedicure, no charge
Major Elective Procedures:
Spay or Neuter, 40% off
Declawing, 20% off
Dental Prophylaxis, 50% off
(anesthesia included)
Health Survey:
Radiographs, 20% off
EKG, 20% off
Chemistry screen profile, 20% off
Complete blood count, 20% off
All other medical, surgical and hospital services (except prescriptions and diets) are 10% off.
(All of these things are included in this HMO for $75/year. OR $125 for two years.) Here's the company's address:
The article says to ask your vet about this program. If he/she isn't familiar with it, they should contact the company and see about setting up the HMO plan.
Vets also may be able to direct you to other pet insurance plans that they know about. You may want to consider that $100/year over an expected 15 to 20 year lifetime is $1500 to $2000. Plus whatever you have to pay for excluded costs, coverage limits, deductibles. Pet insurance will help with major medical problems such as FUS, cancer, etc, or emergency care. If your pet is basically healthy, you will pay about as much either way, for insurance or for preventative care that keeps it healthy.
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