Peace of Mind: Pet Insurance
As I mentioned yesterday, I’m taking a look at some pet insurance options – and insurance alternatives. Here’s a look at one of the major pet insurance companies I found:
First up: VPI.
Veterinary Pet Insurance is the nation’s oldest and largest provider of pet health insurance, and has been working with pet owners and their loved ones since 1982. According to their website, VPI “provides reimbursement coverage for your pet’s eligible medical treatments, surgeries, lab fees, X-rays, prescriptions and more, so that you can make optimal healthcare decisions for your pet based on your veterinarian’s recommendation, rather than on the cost of treatment.”
VPI bases its rates on the pet’s age — older dogs reach as high as $500 a year for its premiums, and after 9 years of age, the company won’t cover new pet “clients.” The site has a pretty extensive breakdown of costs and plans on their website. In general, they pay certain percentages of routine – and non-routine – things like check-ups, surgery, anesthesia, etc. The example they give in their Standard plan has the owner paying about half of a roughly $1400 bill.
It’s a little less extensive than we as humans are used to, but it’s still half the cost you WOULD pay if you were uninsured!
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