 |
Emergency 6 :: Pet Health Insurance
Due to various and ongoing changes in the pet insurance industry, we are currently only recommending two pet health insurance providers, listed below. If you wish to choose other providers, please research your choices carefully before committing to a specific insurance plan for your pets. The following are our recommendations, but are by no means a complete detailed benefits listing. See the websites for additional information on coverages, restrictions and terms.
UK users, click here for a searchable database on pet health insurance for your area. (We recommend Petplan.Com)
Veterinary Pet Insurance (VPI) Plan Examples.
For detailed information, see the VPI website.
Vaccination & Routine Care Coverage Sample
Procedure Annual Benefit Allowance Comprehensive physical exam $10 Professional consultation (office call) $10 Fecal Test $10 Deworming $15 Microchip Identification $5 Choice of one of the following benefits: FeLV/FIV test (cats only) $15 Heartworm test $15 Heartworm preventive medication $15 Plus your choice of one of the following benefits: Spay/Neuter $65 Teeth Cleaning
(includes polishing, scaling, anesthesia and antibiotic treatment)$65 Comprehensive health screen
(such as blood panel, urinalysis and EKG)$65 Vaccinations (For Felines) FVRCP $15 FeLV $15 FIP *** $13 Rabies $10 Prescription Flea Control Purchased during the months of: January - June $15 July - December $15 *** NOTE: CatHelp-Online does NOT recommend vaccinating for FIP, unless specifically discussed and recommended by your vet due to high risk factors. See our Feline Vaccination Schedule for more information
Standard Plan Sample Benefit Schedule (Compare to Superior Plan)
Condition Superior Plan
ReimbursementStandard Plan
ReimbursementGastritis $357 $173 Gastric Torsion $1,993 $1,149 Intestinal Foreign Body $1,363 $780 Liver Disease $409 $240 Lacerations $501 $287 Abscess $378 $213 Pneumonia $588 $355 Click here to download complete benefits schedule (PDF file)
Superior Plan Sample Benefit Schedule
Condition Superior Plan
ReimbursementGastritis $357 Gastric Torsion $1,993 Intestinal Foreign
Body (Surgical)$1,363 Liver Disease $409 Lacerations $501 Abscess $378 Pneumonia $588 Bladder Infection $270 Feline Leukemia
/ FIV virus infection$519 Click here to download complete benefits schedule (PDF file)
NOTE: The plans here are examples only, and are by no means a complete or detailed listing. More detailed information can be found on the VPI website.
-----------------------------------
PetCare Pet Insurance
Cat Care Programs Examples - For detailed information, see the PetCare website.
Quick Care
Coverage Coverage Amount Foreign Body Ingestion $2,000 Motor Vehicle Accident $2,000 Bone Fractures $2,000 Poison Ingestion $1,500 Burns $500 Allergic Reaction to Insect Bites/Stings $500 Accidental Death $500 Monthly Premium *** $8.50 *** See more complete details and restrictions about the Quick Care Plan.
NOTE: The plans here are examples only, and are by no means a complete or detailed listing. More plan coverages and detailed information can be found on the PetCare Pet Insurance website.
Quick Care Gold
Coverage Coverage Amount Accident $2,500 Illness $2,500
per CategoryAccidental Death $500 Boarding Kennel Fees $250 Recovery Costs $150 70% Coverage Monthly Premium: *** $15.75 100% Coverage Monthly Premium: *** $22.95 *** See more complete details and restrictions about the Quick Care Gold Plan. This plan also includes a Double Illness coverage option
Quick Care for Indoor Cats
Coverage Coverage Amount Feline Lower Urinary Tract Disease (FLUTD) $2,500 Cancer $2,500 Infectious Disease $2,500 Feline Asthma $2,500 Diabetes Mellitus $2,500 Foreign Body Ingestion $2,000 Bone Fractures $2,000 Poison Ingestion $1,500 Feline High-Rise Syndrome $1,500 Bite Wounds and Bite Wound Abscesses $500 Burns $500 Monthly Premium: *** $9.95 *** See more complete details and restrictions about the Quick Care for Indoors Cats Plan.
Quick Care Senior
Coverage Coverage Amount Foreign Body Ingestion $2,000 Stroke and/or Seizures $2,000 Heart Disease $2,000 Cancer $2,000 Bone Fractures $2,000 Poison Ingestion $2,000 Motor Vehicle Accident $2,000 Lacerations $500 Bite Wounds and Bite Wound Abscesses $500 Burns $500 Allergic Reaction to Insect Bites $500 Boarding Kennel Fees $250 Owner Bequest $200 Euthanasia $100 Accidental Death $500 Monthly Premium: *** $19.95 *** See more complete details and restrictions about the Quick Care Senior Plan. This plan also includes other coverages not listed here.
-----------------------------------
Tips For Choosing Pet Health Insurance:
- Make sure whether or not the insurance company requires "network" veterinarians or if you can choose your own.
- Make sure you understand the insurance plan you are contemplating and whether or not additional fees apply for certain conditions or incidents.
- Make sure you completely understand "certain conditions apply" where applicable and whether or not these conditions are stated in your policy.
- Some insurance companies provide Standard, Elite, or Premier Plans. Please make sure you understand the varying differences and varying coverages where each applies.
- Contact your own local health insurance agent to see if a smaller company may be licensed to sell pet insurance in your state.
- Make sure you understand conditions that require health certificates, conditions regarding pre-existing conditions, and conditions regarding treatment and diagnosis issues relating to your policy.
- When you are contemplating a pet health insurance plan, discuss the plan with your vet so that you have a better understanding of whether or not he participates, and issues regarding applicable conditions as they apply. Remember that some insurance companies charge additional fees, or exclude certain treatments, and some may include higher fees for geriatric patients or pre-existing conditions.
- Never commit yourself to an insurance plan until you are completely comfortable that it suits your needs and that of your kitty's health issues. Carefully review the plan/policy and keep up-to-date on it's possible changes.
|
|