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Posted 10/12/2012 by Burning Feather in NSBR Board
 

Burning Feather
I conceived but I can't see you

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Posted: 10/12/2012 2:27:31 PM
DH's employer is now actually going to be offering group pet insurance to its employees.



I really should not laugh because I know that people are losing health benefits left and right - and for all I know, we might be too, but I just thought it was funny that they are now offering employees discounted rates on a group policy for pet insurance (and it's actually tied to the health insurance - you HAVE to be covered under one of their group policies to qualify for the pet insurance)

Now if I could just claim these little money suckers as dependents for my taxes, I'd be set.


Carla




BelleMagic
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Posted: 10/12/2012 2:32:43 PM
We talked about getting pet insurance as the dogs got older but now we only have one old guy left. We lost the "girls" last year. but if our employers offered it... we may have jumped on it!LOL!

Burning Feather
I conceived but I can't see you

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Posted: 10/12/2012 2:36:58 PM
We've never had it for our pets although I know that some people swear by it. I'll check into it, but I don't know if I will do it or not, but my guys are almost 10 years old, so maybe.

They are also going to be offering special employer rates on home and auto insurance too (again, tied to membership in the healthcare plan).

I wonder if they are trying to keep their numbers up in their healthcare plan for some reason, but I doubt it because they offer 3-4 different plans for next to nothing in terms of premiums so I can't imagine that anyone could find another plan for even a fraction of the cost.

I do think that it's nice they are adding new things in light of so many employers cutting benefits back.


Carla




mvavw
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Posted: 10/12/2012 2:51:18 PM
That's great! How does pet insurance work? Major illness only or preventative care too? Is it expensive through work?

Maria

Burning Feather
I conceived but I can't see you

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Posted: 10/12/2012 2:54:28 PM
I don't really know. I'll find out when they send out the enrollment forms for this year for all of the benefits.

I don't remember the cost when I've looked into it before, but I know that it covers certain things and doesn't cover other things that might be breed specific abnormalities (like hip dysplasia, etc.) Although I'm sure it varies by plan.

I have seen people here who swear by it. It's definitely something I'll consider if it seems like it would contain costs - we had some very expensive vet visits at the beginning of the year this year.


Carla




mvavw
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Posted: 10/12/2012 3:02:25 PM
I've been fortunate so far that my vet bills have been reasonable, but my dog is young and my degus (exotic hamster types) have only needed treatment twice (and the vet was reasonable). I'd love to have an opportunity at pet insurance if it was affordable. That's great that DH's employer is adding benefits

Maria

Luvspaper
AncestralPea

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Posted: 10/12/2012 3:06:27 PM
Beware...on pet insurance there are usually MAJOR pre-existing issues clauses and they will not cover anything that has ever been diagnosed before. It can be worth it for breeds (such as English Bulldogs) that are known for health issues, but often is not worth it for older dogs.

That said, being in HR it always surprises me what insurance companies and benefits vendors are able to convince the employer to try to sell to their employees! AFLAC is the worst !

Nantini
Ancient Ancestor of Pea

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Posted: 10/12/2012 3:10:28 PM
They do have to keep people from dropping off or the coverage does go up as the risk pool is smaller. I'd be tempted, my little guy eats rocks. LOTS of rocks.



smokeynspike
Peain' on the Wasatch Front

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Posted: 10/12/2012 5:03:53 PM
My DH's company did that this year too. They added pet insurance and AFLAC coverage as part of their benefits package of options. We have 5 cats but after looking things over it didn't seem worth it to us.

Melissa

scrapnjack
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Posted: 10/12/2012 6:02:20 PM
That sounds like it could be a great option, and could potentially be cost saving.

Why is Aflac the worst? Just curious, because I'm looking to purchase supplemental insurance.


pea-squared
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Posted: 10/12/2012 6:17:18 PM
We got a notice about pet insurance about a month ago and seriously considered it, but declined. Two weeks later, out lil pup had to have emergency surgery that could only be done at a pet hospital 6 hours away.

Sure wish we wouldn't have declined it now!

Katybee
PeaFixture

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Posted: 10/12/2012 6:22:46 PM
I have pet "Wellness Plan" and I love it. I pay $32 a month. It covers twice-yearly check-ups including blood work, poop checks (what's the official name for that?) and all immunizations. It covers an annual teeth cleaning (under anesthesia). And I get 20% off all other charges (including meds).



gmcwife1
SamFan

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Posted: 10/12/2012 6:22:51 PM

We've never had it for our pets although I know that some people swear by it. I'll check into it, but I don't know if I will do it or not, but my guys are almost 10 years old, so maybe.



This is us, we have been lucky, but we know many people that do have pet insurance.


~ Dori ~

snappydog
BucketHead

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Posted: 10/12/2012 7:53:05 PM
I have a Seeing Eye Dog worth about $70,000. I'm considering pet insurance...I would pay anything to make/keep this dog healthy. She saves my life daily and well worth the premiums.


Sandy

anorviel
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Posted: 10/12/2012 9:12:45 PM
I'm in HR and we started offering pet insurance a few years ago when employees started taking 401(k) loans for pet emergencies. Ours isn't tied to people-insurance enrollment - anyone can opt in for pet insurance regardless of status (P/T or F/T). It's a group discount as opposed to a group plan. I know some people giggle, but for some pet owners it's been a real perk.

Ann

TheBiscuitScraps
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Posted: 10/12/2012 10:16:55 PM
I wish we could have taken advantage of group pet insurance when I worked.


Carol
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ZUKE1
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Posted: 10/13/2012 7:40:15 AM
When our DD snuck a kitten in our house for a week and then finally told us (She kept it upstairs), we told her that she is responsible for any and ALL costs with this cat.
Last month it was having a lot of blood in it's urine and she was told to take it to an animal hospital. Well... $700 later including $200 for the meds, she is considering pet insurance.
I shouldn't even say considering... she will get it!!!


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