PepsiChic

ok, Petplan said that from the age of 5 years upwards cats price increases 5-20% depending on increases in vet bils due to animals aging health.

Im not too fussed about this because Gins always been a relatively healthy cat so hopefully there wont be much of an increase.

Atm, the price quoted was $15.29 per kitty, with a $29.22 down payment which covers and the first and last month, the 10 months inbetween would be at the $15.29 price.

Make sure you get a quote online to get your 5% discount, and then over the phone they should still give you that discount once they bring up your quote on their computer.

chartreuse

Yep, I got a similar reply. She also said that once they pass 15 the age related increases stop and the only increase would be general inflation.

Better, she also confirmed that if we move state, no matter what age she is, while they will have to issue a new policy it will still count as continuous coverage, protecting her cover for any chronic conditions etc.

Other info:

1. The 30% co-pay for referrals is already 20% in some states and will, most likely, be 20% across the board within the month.

2. The language in the policy about them paying "reasonable fees", as per the American Animal Hospital Association Veterinary Fee Reference Guide is apparently just to protect them against an unscrupulous vet hiking the charges upon finding out about the insurance. She says they've never had to use it in the USA, but it's a very common practice in the UK!

So I'm convinced. I'll be signing her up today.

Poppy girl

I rest my case

PepsiChic

on the phone they said our cats have to have a full "Wellness" health check with a vet within 30 days of getting the pet insurance or before we get it, because they need to know there is no pre-existing conditions, and will need a copy of the health check for each kitty.

This doesnt bother me too much, the kitties are all in fine health. but i'll be getting the health check before i take out the insurance so i dont get caught up in the 30 day thing incase we go over that time whilst planning for the baby and my checkups.

chartreuse

I would do the opposite - but I can see why you might not be able to, with the baby and all.

Day 1. Take out policy.
Day 2. Policy effective start date.
Day 3. Accident/Injury cover begins.
Day 16. Illness cover begins.
Day 17. Get complete check up.

begmohsin

If the kitten regulary works out in the gym it might increase the insurance premiums. Also you need to find out if the kitten drives around or not that could be a factor which increases your premium.

top kat

chartreuse

Thanks .

Since all the above, we've taken out Petplan for Velvet and she's settled in nicely. However...

I was driving home from a job interview Tuesday, when the phone rang. It was the FiL and could I stop in on my way past?

Turns out that a feral cat had a litter near his work, late November. The cold weather apparently was too much for them, apart from one little girl that he rescued, hid in the machine shop and fed on hamburger.

So, as I type this, Esmerelda is sleeping on my lap. She's 6 weeks old and, if the vet's calculations are correct, probably has the same birthday as velvet.

Here's a picture of her killing her sister's toy and one of Velvet, on the sofa in my study where she sits to watch me work.

Poppy girl

OMG!! What a sad tale, with a happy ending, for an adorable little kitty, welcome Esmerelda

PepsiChic

lol me and you just fall into resucing cats in distress!

congratulations on your new family member, shes a cute little thing

Juswus

she couldn't have had better luck than finding you

chartreuse

Thanks Ladies.

Here they are, having a nap.

dunroving

Tough life, eh?

Hellopaul

I'm proposing to take my dog along when we relocate to Charleston, SC in a month or so.

She currently has pet insurance (in UK) at about £7 per month which covers her for the usual vet stuff, but also covers us if she runs out into the road, causes a multiple pile-up, killing dozens of people and costing £millions in legal/insurance/medical bills. I've had a quick look at pet insurance in USA, but there seems to be no mention of this kind of disaster cover.

Any thoughts?

chartreuse

You might find that this is part of your homeowner's policy. Alternatively, you could probable get additional cover for it, for a small amount.

Hellopaul

I'll need to investigate further...and what's with the Greek sea walls I'm receiving from your signature?!?