#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.

[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.

[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.