Pet insurance for 3 month old kitty... anyone recommend it?

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Posted 2/5/2013 by Nancie52 in NSBR Board
 

Nancie52
PeaFixture

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Posted: 2/5/2013 6:17:52 AM
My kids gave me a 12 week old kitten (male) for my 61'st bday. Haven't had a pet in over 30 years, but had many kittens growing up, when insurance was NOT available. not sure if it is worth it.. the kitty will be a house cat.. again, not like the old days when they go out and come home... now there are too many predators, etc..

but the expense of treating an illness or any kind of problem scares me.. so not sure what to do.. because one of the reasons I DIDN'T want an animal is the expense of everything..and I'm look at retirement soon.. I know my kids would help tho.. so just thinking I might consider it.

pjaye
The only happy ending will be mine

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Posted: 2/5/2013 6:34:30 AM
I have two indoor only cats and both have insurance.
Living in a different country, there is no point making specific recommendations, but do your research and read through the policy documents and understand what you are getting, what will be covered and what won't.

My first cat had cancer before the days of pet insurance and although I have never added it up over 3 years I'd estimate I spent around $10,000.
I'd never want to be in a position of needing to make a decision on treatment based on cost alone.

Both my current cats are now 7 years old, Angelique has had cover since she was a year old and we have never made a claim (and that's OK with me...I don't feel I need to get my money's worth, that's part of the deal with insurance)
Millie has been covered for 3 years - she developed a lump on her neck which was removed. The total cost of the surgery was $1100. I gave the vet the claim forms on Monday and on Friday I had $900 back in my account (I have the $200 excess, or co-pay).

I'll have insurance for them as long as I can afford it.

Darkangel090260
PeaFixture

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Posted: 2/5/2013 6:36:32 AM
Once we had our cat fix and there shots. We have never need to take them in to the vet. They are 100% in doors cats and never have been out side. They have had no real heath problems. Our house is baby proofed so it also kitten proofed.


I have quite a few learing disabilitys that effect my spelling a grammer. I do know my grammer and spelling suck. I have been working on this problem all my adult life.

lovetodigi
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Posted: 2/5/2013 6:37:39 AM
We have the protection plan through Banfield on all of our pets. It covers yearly exam, unlimited free office visits, all of their shots, teeth cleaning, lab work and when they were younger, being spayed. The monthly payment is taken out of our bank account and is far less than it would cost for the services without the plan. We have used Banfield Clinic and their plan since 2005. Right now we have three dogs and two cats on it.




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Nancie52
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Posted: 2/5/2013 6:41:37 AM
Thanks,, I'm going to look into it today for sure..

I would NEVER have succumbed to getting a cat, fearing the cost of everything... .. but my kids (adults) know how much I love animals.. and they saw me going "gaga" over a relative's new kitty on Christmas Day... they decided then and there I was going to have one.. and once I had him.. can't wait to get home and see him every day!!

thanks..

MetalDancer
StuckOnPeas

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Posted: 2/5/2013 8:00:01 AM
I have 3 kitties and while they are all very healthy right now, anything could happen. I'm looking into insurance for them as well. I just lost my lab/collie mix, Hercules the big goober, a week ago. While we didn't have a huge vet bill (he showed no signs of illness or distress at all until the day he died), the insurance would have helped.

ETA

We have the protection plan through Banfield on all of our pets.


I'm gonna check into this today.


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lovetodigi
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Posted: 2/5/2013 9:27:44 AM
If you have a Banfield near you, they have different levels of plans that you can get. It will probably be around $20-$30 a month and that would include the cat being neutered. The next year, you could downgrade the plan and then upgrade again in whatever years you need to have the cats teeth cleaned. We keep the highest plan on our Pom that is 12 years old, then the next one down for the other two dogs and two cats. We upgrade for a year, when they need their teeth cleaned. My mother has two Chihuahuas, and she also uses Banfield and has been happy with the insurance plan.

You can find more information here




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