Saturday, April 22, 2006

Signed Up For Doggie Pet Insurance

I should've got this when I first got Brownie, pet insurance. It's costing me $110.00/year for most injuries up to a maximum reimbursement of $9,000.00/year with a $50 deductible. Reimbursments vary by the type of injury. The main reason I'm getting this coverage is not so much because of the money, but the peace of mind that in case something horrible should happen to Brownie. I can make the decision to give him the best care regardless of the financial consequences. If I purchase a house next year, I may have some large expenses beyond what I'm expecting, I don't want to ever get into a situation where I have to decide between Brownie and something else As you might have read, Brownie had been bitten a couple months ago, it costed me about $240.00 for the medical trip--he got stitches, sedation, eye exam, etc. Had I had the insurance, my out of pocket expense would have been the same, but I would've got $190.00 back. Of course the other owner did pay half, although I still think he should've paid the whole thing...that's another topic...and it's minor since Brownie is okay now. Back to the insurance...They also offer a vaccination & routine care package for an additional $99.00/year, but I declined that because of the hassle. I definitely agree it would be worthwhile if you are diligent with all the paperwork and don't mind, but really the savings are not that large especially if you end up not getting some of the more minor "routine" care options. They also offer a "superior" pet plan which has the same rules as the standard plan, except coverage is increased to a max reimbursement of $14,000.00/year and the reimbursement amount per incident is increased as well. The cost increases to $210.00/year. I may switch him to the superior plan as he becomes an old fart. I'm going to update the doggie costs as soon as Brownie's been accepted. Here are the details of coverage: Superior Pet Plan Standard Pet Plan Vaccination & Routine Care option

2 comments:

Trainwreck said...

This is something we Really need to consider. Thanks for the links!

freedumb said...

No problem...Let me know if you need any more details...Brownie is enrolled now...