#pet insurance coverage

[insurancete]

Pets Best Insurance: Comprehensive Coverage for Your Furry Friend

Pets Best Insurance: Comprehensive Coverage for Your Furry Friend Pets Best Insurance: Comprehensive Coverage for Your Furry Friend What is Pets Insurance : Pet insurance is a type of insurance coverage designed to help pet owners manage the costs of veterinary care for their pets. It operates similarly to health insurance for humans, providing financial protection in case of unexpected…

[tele-mesmerism]

I HATE CHOOSING INSURANCE I HATE GAMBLING I HATE HAVING TO GAMBLE!!!! trying to decide which deductible to go with is literally just gambling its a game of chance like do i think 250 or 500 yearly will the 108 i pay extra for the 250 deduc pay off in the long run? i cant do this math guys

[petpetisy]

How Much Does A Dog Neurologist Cost Without Insurance in 2024? Answer is Really Shocking!

As a devoted pet owner, you might worry about the cost of seeing a neurologist for your dog. Without insurance, the price can be a big concern. But what exactly will you have to pay for a dog neurologist without insurance? Table of ContentsKey TakeawaysSeverity of the Pet’s ConditionType of Medical Services RequiredGeographic Location of the NeurologistExperience of the NeurologistWhat Do Dog…

[ms-demeanor]

I've been following what's been going on with Belphie the kitten and his person, Greer Stothers, has just mentioned pet insurance in a tag on a post and I wanted to give an example from my life backing up why pet insurance can be a good idea and why I think it is worthwhile.

Two years ago my sister's dog had bloat while she was on vacation. The kennel he was staying at recognized symptoms and called my sister to clear them to take him to the emergency vet. My sister is very financially secure and this dog is an enormous part of her life, so she said yes with barely a moment of hesitation. That ended up being about twelve thousand dollars of emergency surgery.

Large Bastard and I got pet insurance for Tiny Bastard the same week because we realized that if someone had presented that option to us, we would have had no choice but to have Tiny Bastard put down, and we didn't want to be put in that position.

I did a lot of research about different kinds of pet insurance and different levels of coverage and annual maximums and deductibles and so on and so forth. Tiny Bastard is a senior dog, so this was going to be expensive no matter what options we went with, so I chose a moderately priced plan with a $500 annual deductible, unlimited annual coverage, that pays 80% of the bills incurred annually below the maximum. What that means is that we pay the first $500 of care totally out of pocket, after which point we are reimbursed 80% of any vet bills for care covered by the plan.

The first year we had this plan I was kind of iffy about it. It's a noticeable monthly expense and we didn't even spend the deductible in vet bills the first year. Except that a month before the policy was set to renew, Tiny Bastard got diagnosed with diabetes. We now have monthly insulin costs and syringe costs; there are tests she has to have regularly to monitor her overall condition and we need to do more frequent vet visits to track symptoms.

Suddenly the insulin alone means that the insurance is break-even within six months and the additional visits and tests are something we can afford instead of something we'd have to put on credit.

Our plan (through ManyPets) covers medication, surgery, diagnostics, medical equipment, and euthanasia and cremation. It doesn't cover pre-existing conditions, joint conditions for dogs who were signed up over a certain age, dental care, spay/neuter, vaccinations, or prescription food but honestly all of that makes me just kind of wish we'd signed her up earlier - her knee problems *would* be covered if we'd had her signed up as a puppy, and the monthly cost would have been lower if we'd signed her up then. And there are at least a few emergency vet bills that I wouldn't still be paying off on my credit card. Hell, I've probably paid more in interest on some bruising she got in a fight three years ago than I have for this policy as a whole.

I am glad that Greer is able to take care of Belphie. I am glad that my sister was able to take care of her dog. But I'm also really, really glad that for a relatively low cost, I would be able to take care of Tiny Bastard if she were catastrophically injured, or if she needed emergency surgery. I'm glad that I'm able to take care of her now with her medications and her additional vet visits.

There are a lot of people who say that pet insurance isn't worth it, especially not for young animals. But if your young animal gets very sick, or gets badly injured, or eats a hairband and needs an emergency endoscopy, then it will probably be VERY worth it. It's a risk/reward question. You feel like you're wasting money if you're paying for a policy that you never use, but honestly that just means you're lucky to have a healthy pet.

I'm lucky that Tiny Bastard was relatively healthy before I got the insurance; I'm also lucky that she was insured when she was diagnosed with a chronic illness that will need lifelong care. This enables me to provide care for her that would otherwise be financially unmanageable, and that makes the insurance *extremely worth it* from my perspective.

And Belphie is a good example of why it's a good idea to get coverage even for very young pets. Greer is recommending it because this kitten has required a tremendous amount of care during a period in his life when it's generally taken for granted that a cat will be healthy. (And Greer is not stupid for forgoing pet insurance - pet insurance is still a relatively new concept and there are lots of people who are leery of it for a number of good reasons)

So I'd say that if you've got a pet or are getting a pet it is very worthwhile to find a pet insurance plan that fits in your budget. There are a variety of plans out there and some are very inexpensive. Check coverage levels (you can even get some with wellness plans that include dental care and vaccinations) and see if there's something that works for you.

I personally don't think I'm ever going to own another pet without having pet insurance. It's ridiculous how much easier it is for me to say yes to diagnostic tests or different treatments than it was before because I know I'm going to be able to fit Tiny Bastard's care into our budget.

[thequerysquad]

Protect Your Pet While Traveling: Travel Insurance 🐶🐕‍🦺🐕🐩

Can I get travel insurance for my pet? If you're planning a trip with your furry friend, you may be wondering if it's possible to get travel insurance for your pet. The good news is that many travel insurance policies do cover pets, but there are a few t

Can I get travel insurance for my pet? If you’re planning a trip with your furry friend, you may be wondering if it’s possible to get travel insurance for your pet. The good news is that many travel insurance policies do cover pets, but there are a few things you’ll need to consider before purchasing coverage. First, it’s important to understand what types of coverage are available for pets.…

[irenelesbian]

please help me save my senior cat

this is my 13 year old kitty, mimi.

she was recently diagnosed with feline triaditis, a concurrent inflammation of the pancreas, liver and gall bladder. for the last couple weeks she's been in and out of inpatient treatment.

after being discharged last friday, her condition quickly worsened and she developed hepatic lipidosis. she had to have a feeding tube inserted into her esophagus, which allows me to feed and medicate her with minimal stress at home. this surgery was pretty much our last resort as she will not get better unless she has enough nourishment.

i managed to afford her treatment so far, but she'll still need some expensive medication and food for the next week or two, depending on how fast she starts eating an adequate amount on her own. she'll also have another surgery to remove her feeding tube in a month and some more bloodwork done. this will amount to at least $300, which is more than i can manage alone. i really didn't want to have to do this, but ive spent my savings on her treatment as there is no pet insurance coverage in my area.

please donate or share if you can. any help would be greatly appreciated and a little goes a long way since one dollar equates to almost R$6 in Brazil.

ko-fi

dm me for my p/ypal

[tea-slur]

I am not sure if a post on here will gain any traction as it has been a long while since I’ve posted.

My partner and I have rescued a kitten, and after taking it to the vet for a sick exam, it was discovered that little Melvin has a grade 5 heart murmur. We were told on multiple instances by Trupanion pet insurance that the initial vet appointment would be covered as well as Melvin’s heart murmur and that his condition was not considered pre-existing. Unfortunately they completely flipped on that and they are now telling us that we are no longer eligible for coverage for this specific condition. My partner and I now ask for financial help for Melvin’s cardiologist appointment and subsequent treatment.

Anything at all helps, even sharing this post on here or bringing a link to this fundraiser on other platforms. Without help this would be a substantial blow to our savings.

My partner and I are incredibly grateful for every donation that has come in so far.

Thank you again, from us and from little Melvin.

[shitty-check-please-aus]

hey, i saw your post about health insurance for your pet and i was wondering what company you use? been looking for a good affordable one, if you're willing to share!

Sure! I've been using ASPCA, I don't really know why I picked them because I got this insurance two years ago.

I pay $27.50 a month, with a $250 deductible and 80% coverage with a maximum payout of $5,000.

[jackies-ear]

.

I love my job but the fucking pay man

I budgeted it out better this month, like beg of the month I wrote out all my monthly’s- rent, utilities, loan, bus pass (bc they only do monthly, my one in or did a 3 month pass which was wonderful), dance subscription, pet insurance. Like my ‘have to pay’s. Threw a little bit at both credit cards (one is a store card that I don’t use a lot so I can usually just pay it off in one but I have bought more things last month so there was more on it and I don’t think I payed it all? And then my reg bank cc is…… almost a limit and I could only like 100 to it which basically just covers my therapy charges but I also have a utility on that and my Hulu (only subscription!)). I just changed dance to an annual plan, so that’s going away monthly and there’s a discount for annual so it helps. If I didn’t go shopping, I’d have maybe 200 after all that for the month? But I need groceries, I have pantry stuff but I need veggies and I can only find small boxes of my waffles so I have to buy more each week. I’m not giving up my new weekly flower routine, but I only buy 1 or 2 bundles of the 3$ so it’s nothing crazy. So after all that, I have like. 20$ for the rest of the month. And I have to go shopping again this weekend. I wanted to host Thanksgiving (just fam and dads house is kinda messy so it’d be easier here) but I’m not going to be able to buy anything for it! Like dads prob plannning on buying the food for it anyway so I could just ask him to bring it here instead? And group is in person next week and I wanted to bake again, and I think I have enough gf flour to make like chocolate chip cookies? But I need more chocolate chips… I could do snickerdoodles? And like melt the rest of the chips I have and dip them in it? As long as I can scale the recipe to what gf flour I have left I guess. Or I can just not bake but I really liked it last time! And I’m in a place where I can bake again and it makes me so happy! So I don’t want to not.. and I can’t change anything to my cc bc it’s almost at limit and I need some left for the utility and therapy. so I was like I’ll find a second job. Bookstore turned me down bc I have like no availability. I basically only have weekends, after 1. Bc I refuse to give up gym classes, which are weekday evenings and weekend mornings. And the evenings I don’t gym are therapy. NOTHING wants to hire for those hours. So, I thought the gym school break camps, but their winter break is only for like the last 2 days? There’s a spring break one but that’s my only week off lol. So I wait for summer camp again, bc that pay was good but I spent most of last yrs on moving and actually paying off my bank cc bc I can never do it otherwise. But that’s in June in 7.5 months…. I don’t know how I’ll make it til then esp w the holidays coming up. I already have smth for teacher coming (and it might bc bday and Xmas together which I hate doing but). Got Sarah’s parents already. Bro gets like a gift card. But he doesn’t buy gifts for dad (selfish asshole) so that falls on me. I have 1 so far and some ideas. Bc teacher bday is coming up we might do pottery again so that could be another if she chooses that but we also just did it for another bday.

I’m emailing work in the morning asking if I can change any of my contributions, hopefully I can lower my retirement and hsa so that’ll give me a little more. Thought abt either going annual or canceling Cassie’s insurance. I’ve only used it… twice? in the like 3 yrs I’ve had it. I can also try to change the coverage to lower it but idk if they’ll do that outside of the reg annual renewal. It doesn’t cover annual exams just accident/illness, which she doesn’t get, but if she did I’d have it and it’d pay me back. But it’s also a lot monthly. So annual would be nice I guess but that means I have to put up 200-smth now. Which I don’t have. I already had to go into my savings (again) to change to the annual dance just now. I’m using up all my savings for all this. And it’s nothing extravagant! I do coffee at dad’s! I only have 1 streaming I pay for! Maybe I start going to walmart idk man idk how much cheaper that’d be. I stopped Costco and Trader Joe’s, I just go to the H-E-B by me. But again it’s weekly bc veggies and waffles and flowers.

so I’m just stressed bc no one’s gonna give me a weekend only part time and now it’s 2 am and I’ve been up for an hr over this. I knew it was bad but actually writing it out this month and tracking it in like… oh god…

(and god forbid dad cancels the gym or like kick me off the phone plan and I have to start paying those (ik I’m lucky I’m on the family plans still and I know he won’t for the phone, but gym price goes up at new year and bro doesn’t go, dad hasn’t been bc he hasn’t been feeling well. I’m the only one using it. I think he should kick bro off and go to a 2 person and save that bit but))

[mandana-the-service-pup]

Sigh…

Mandana just had incontinence after increased activity. We had someone come over to help us catch up on chores so I had Mandana on her treadmill and outside playing for longer than usual. I thought it would be fine bc both the Neurologist and Orthopedic Surgeon said she was ok but when she came in afterwards to take a nap she peed on herself.

This is the same issue we were having when she was really sick and the back pain had just started. It could be a sign that this is neurological afterall so now I have a really tough decision to make.

1. Reschedule the MRI so we can diagnose any neurological problems which may or may not have a treatment but in doing so risk our pet insurance deciding not to cover back related stuff for the rest of her life (which is a HUGE problem)

2. Don’t do the MRI. Continue with Librela & supportive therapies in hope that treating her pain will help prevent more incontinence flares. (Proin stopped the incontinence but it gave her high blood pressure so she can’t be on it)

I feel like a bad dog mom bc I don’t know what to do. My typical approach is “do all the treatments and testing available” but in doing so I could jeapordize our access to the treatments that are actually helping her (mainly Librela which is like $200/mo for the appointment + injection and my pet insurance is currently covering it but if she’s diagnosed with a disc related injury they could deny coverage)

[traceofexistence]

motorcycle pet peeve

everytime there is a video about the 125cc 15hp motorcycles

there are several buffoons in the comments going on about how "the prices are so high!!11!" "who would buy a 125cc in those prices" "it's for the 16 year olds" "you need a REAL motorcycle"

for starters, these specs are specific to EU license A1, the only license a 16 year old can get, but also for B license owners if they take the necessary by law lessons, without exams.

why the 125cc though if you are not 16

here's the main reasons:

excellent for commute

light weight

fuel efficient (very low cost)

maintenance low cost

low insurance cost (mine is ~150 euros/year the full package that includes roadside assistance, and lawyer coverage in the case of an accident)

more eco friendly that anything bigger.

yes the big brands like the 4 big japanese, and the several european ones cost a lot to buy new (4000~5000 euros) but you know that they will not break down in the middle of the road.

also they are safer from the cheaper, underbone, supercub style mopeds, for the simple fact that they are bigger in size, and they are regulated to have ABS brakes

I bought my underbone for 1800 euros new, and because they dont have ABS there was no way to stop in time during my accident. If I had my current motorcycle(4500euros new) then, I would have been able to at the very least minimize the damage I suffered, because of ABS and because of it's bigger size.

125cc's are not for those who want to speed, while they have a decent speed, it's a speed for commute, not for racing.

125cc 15hp bracket was specifically made so youngsters do not speed and lose their lives. but the 125cc are a choice by oldies like me, who want to commute on the cheap.

[bunabi]

okay

do I pay the insane costs for Sabine's dental procedure now

or do I play silly pet insurance games by waiting a year after her dental cleaning so it no longer qualifies as a pre-existing condition

[pawsitivevibe]

Pet Insurance

I thought I'd pretty much chosen pet insurance for the puppy, but now I'm not so sure. Is Trupanion still considered like "the best"? I'm not that concerned with the insurance paying my vet directly, and that seems to be what most people like about Trupanion. But I can wait for payout after the fact. I DO want coverage for physio and hydrotherapy and stuff like that, and it doesn't appear that Trupanion covers that.

I am looking at Furkin right now. Though I am skeptical that it's too good to be true, as it appears to cover everything I want and is significantly cheaper? It only covers $20k a year, but that is ... A lot. I don't think Haley has even hit the $20k mark over the last few years with all of her bloodwork, joint taps, meds, and physio. I don't actually expect this dog to have tons of issues. But I do want to be able to afford expensive procedures if necessary.

Anyway, what do y'all use these days?

[restforthe-burdenedsoul]

👻 Halloween 🎃

Company A responded to me two weeks ago that they were still figuring the supervisor position out. I give up at this point. The hiring date is in two weeks, I passed up a couple pet sits in hopes of getting it. The last message was that they were doing in person Interviews, but no word on what round they were on or word on the last candidate they wanted.

I have gone full force into pet sitting and doing what I can to market myself. I’m waiting on my business cards to hand out on walks, made flyers to hang up, and have been posting on social media.

I’m on pet sit #3 and have three more booked. I will be raising my rates in the new year as I’ll have some solid reviews at that point.

M and I discussed it and if business picks up enough, I will be going back to school in April and keeping the pet sitting only. His job is covering all our bills, so my income would be for savings. It’s going to significantly delay moving out, but after discussing it with the roommates, they are supportive and not in a rush (seriously so thankful for them).

I was offered some more 1099 jobs (but honestly, if im gonna do a 1099, Rover is much better bang for my buck) and offered a really bad job for really awful pay. They did a mean switcheroo when I got there and had me interview for a totally different position that needed to be filled asap.

Social work in Florida is frustrating. I’m not sure if it’s like this everywhere now or just here. So many case management jobs have moved to independent contractor work. Personal vehicle usage, no mileage reimbursement, putting clients in your car and more expensive insurance coverage.

I honestly don’t know why I didn’t get some of the other jobs I interviewed for, but I think it’s because I’m new to the area and they’re worried I don’t know the resources. (They asked very specific questions about this).

Anyway. Here’s some photos.

[indigo-a-creeping]

So Trans Day of Visibility seems like a good day to talk about this.

 I’ve never liked my feminine features, specifically my chest. I could go all the way back to being three years old and desperately avoiding everything that even might be perceived as ‘girly,’ but I don’t need to do all that.

For the past two years I’ve been thinking about possible top surgery. I’ve chosen insurance companies that covered it. And with the way Florida’s laws are going lately, I decided I should do more than think about it.

I called the university hospital, which had two surgeons who performed the procedure recently, but one of them left and the other no longer does it. They have very restrictive requirements for it anyway.

I had a consultation with a plastic surgeon yesterday. He and his staff were very nice and respectful. He said it would be easy to do what I wanted, and that recovery should be smooth and easy too (we talked about pets - a large pulling dog would be a problem, but he said a small well-behaved dog shouldn’t). I got a quote for a price at the lowest end of the estimates I’d seen online (all-inclusive). However, even though he’s on my insurance and my insurance can cover the procedure, the state of Florida won’t allow him to take my insurance for that purpose. I can use it for pain medication, but probably nothing else.

(also I was hoping to get my hip area slimmed down enough that people don’t immediately “ma’am” me from a distance, but it’s already going to be a lot of money)

I’d already scheduled a therapist appointment to get a letter written for insurance coverage, and I’m still going to go and see how it goes. If nothing else we can talk about anxiety.

I don’t like asking for things, specifically money, but I’m thinking of starting a Go Fund Me for this (or if anyone has a recommendation for a better site, let me know). I know nobody is rolling in money and I hate to take any that you need more. I’m going to take a couple weeks to think about it before I make any commitments. I have a road trip coming up, and definitely some people on the itinerary who I want to talk to about this.