#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

[yrrtyrrtwhenihrrthrrt]

In light of Brian Thompson being shot dead on my birthday (🎉🥳🎂) I'd like to share a personal story about UnitedHealthcare.

During the peak of COVID, my family all got sick. I couldn't be on my parents' insurance because they were both older and on Medicare. So, I had insurance through my University: UnitedHealthcare.

For some reason, rather than roll-over each year, I got a new plan each year that ended after May and didn't start until August, so I was uninsured for the summer months, but it was a weird situation that the university denied, and told us we were supposed to be insured year-round, it was messy.

Both of my parents went to the hospital, and I got sick too. I had to take care of my pets, and myself, and try to stay alive and keep my pets alive when I was so weak I could hardly move. When my parents came home, my condition got dramatically worse (I think my body knew it couldn't give out, because there was nobody to take care of me, so once my parents were okay, it completely crashed and failed.)

I started experiencing emergency symptoms. It was a bit hard to breathe, my chest hurt, and I was extremely delirious. I wanted to call my insurance to see if I was covered (this was during the summer) and I was connected to some nice person, probably making minimum wage, who told me with caution in her voice that my plan was expired. I had no active insurance, but she urged me to go to an emergency room. I remember saying something to the effect of "You just told me I don't have insurance, I can't go to the hospital, I can't afford it."

She sounded so genuinely worried and scared. I remember she said "You really don't sound good, you sound really sick, please call 9-1-1" and I think I just said "I can't afford it without insurance, don't worry, I think I'll be okay."

And she paused and said "I don't want to hang up the phone with you like this." And it sounded like she was holding back tears. And I don't remember what I said, I think that I would be okay, and I hung up.

I still think about her. I wonder if that phone call haunted her, or if she had dozens of calls like that a day. I wonder if she thinks about it at all, if she wonders if I died after she told me I didn't have insurance and therefore couldn't go to the hospital without incurring a tremendous financial burden. I wonder if she feels guilt or blame-- of course she shouldn't, it wouldn't have been her fault if anything had happened to me. Maybe it's self-centered to wonder if she thinks about it. I'm not the main character and it was just her job. But, still.

I think about how evil it was that we were put in that situation. Because offering year-long continuous coverage through the university plan would maybe cut into profits, maybe not benefit shareholders enough, maybe cut into Thompson's $10 million salary. While his minimum wage administrators have to feel afraid to hang up the phone, because on the other line someone might be dying, and they wouldn't know. While his patients hang up and decide to take their chances rather than put their family through that trauma.

This is UnitedHealthcare. This is Brian Thompson's legacy. This is why, understandably, an entire nation is jubilant that he was gunned down like the vermin he was. I don't care about his widow. I feel pity for his children, despite the fact that they will inherit millions, but I feel more pity for the children of his victims patients who are gone because they didn't want THEIR children to inherit crippling debt. Brian Thompson got what he fucking deserved. I pray that he not be the only one. I pray for continued safety, peace , and anonymity for his killer.

American healthcare is a disease.

[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.

[rs-hawk]

(Mini kind of trailer Ig for the Forge Your Fortune books I’m working on. I’ll be picking the top two choices to continue for each post 🫶)

Dragon here

Orc here

A common side hustle for humans these days is being a pet occasionally for monsters. The money is good, the company is good, the sex is good, not to mention as long as you have one client, you have full coverage health insurance.

You only do it on the weekends to escape your daily life (plus your M-F job doesn’t give you health insurance since you technically only are schedule for 34.5 hours a week) but one beast has taken a liking to you, and booked you out months in advance so you can’t even try to get other clients.

[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

[astarioffsimpmain]

Hello, this is me asking for any Gale comfort you might know of or you personally enjoy. I really need some right now.

Pet health and person health tw below:

Today has been shitty, literally, and figuratively. My cat has had diarrhea all day, and I've been so stressed and worried about her. My nerves are so fried. She has an appointment tomorrow that my best friend has offered to take her to because there's no guarantee my body will allow me 3 good days in a row. Thank God for my best friend.

I won't meet the deadline tonight for health insurance (can't find any that covers my specialist that I can afford anyway), so my coverage won't start in February, which means another month of hoping there's nothing seriously wrong with me until I can get a colonoscopy.

My blood pressure has to be astronomical right now.

[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.

[sooniebby]

I sat in my schools guidance office most the day cuz I was NOT paying attention to nothing in any of my classes and then my counsler sent me away and then I went to the tech guy and yapped to him About the topic of his pet insurance denying his cats surgery coverage (I pulled up a pick of luigi)

Not Luigi…. Free him fr fr

[nonbinaryhatboxghost]

Hi, folks.

I have been trying to avoid doing this for some time because, well, I hate asking for help of this kind. But I'm unfortunately at that point where I have to.

A few months ago, I adopted a now-5-year-old tabby cat named Kilala. She is a vocal and (once she decides she likes you) very affectionate little spitfire. I love her very much.

She also has health problems, specifically with her liver and gallbladders. I was warned of this before adopting her, and have been doing my best to manage it. She was recently put on a couple of medications that over the last month made a clear difference in her energy and lack of vomiting after meals.

Today was her follow-up with the vet, and while her liver numbers have improved, the gallbladder sludge they saw in a previous ultrasound has gotten worse. In order to figure out how to best proceed, she needs a CT scan done.

Unfortunately, CT scans cost thousands of dollars. I have pet insurance, but it has been determined that all of this falls under "pre-existing conditions" and the insurance I have will not cover said conditions until next year when I have had the coverage for over 12 months.

I'm posting my Venmo here, and will likely start a crowdfunding page of some sort soon. If there is literally anything you can spare, I would greatly appreciate it.

[ringchollyandfriends]

They have an accessibility fund, which is nice and offer 25% off for people struggling financially, again also nice, but it looks like it's still going to be out of my price range. I'm going to complete the form, but my hopes aren't high.

I really appreciate that they offer all of that, at least. It feels like isolating knowing that some professionals keep poor people in mind.

There's the option of going through pet insurance, but of course, because I didn't get the additional packages at the beginning of my coverage, my insurance doesn't cover it.

Time to research and become my own DIY behavior consultant (which I really did *not* want to do, outside insights is a huge help to me, and I feel like there's a big chunk of knowledge I'm missing, but hey I'm poor so I guess that's how it is).

[likeadragonpirateyakuzainhawaii]

This just happened to me, he called me and said he found my dog and asked for consent to do surgery as she'd been hit by a car. I panicked and said yes and he wanted info, I was like well I have pet insurance full coverage and he hung up. Literally hope he kills himself. What a horrible, horrible thing to do to a person

[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.