Join Date: Dec 2015
Location: San Francisco Bay Area, CA
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Photo Submissions 14 Times in 14 Posts
Most companies allow you to design a plan to be catastrophic coverage...I pay around $150 a year for a plan (Pet Best)that has a thousand dollar deductible (per year, not per event) and 70% coverage. I only wanted to be protected against something “big”. I recovered the preminums when we needed to get an ultrasound at the end of the coverage year (i.e. reached the deductible with a series of small, manageable vet visits). Most of the time I don’t expect to use it, but it is a nice backstop for a minimal premium...but I bought it when we got her so there are no preexisting conditions to worry about. Most of the time, people get pet insurance when bills start to add up and it doesn’t work that way for pets (of course, before health care reform, humans got hit by pre-existing condition exclusions, but not any more. Pets unfortunately still have pre-existing condition exclusions).
Do research if you decide to get pet insurance..lots of guides and reviews on web. For example, the difference between deductible for event or for a year can be a huge difference depending on your need. My premium was lower also because I pay once a year rather than monthly.