Do we need to have pet health insurance plan? Why?

4 Comments

1. sharkattack says:

   July 29, 2010 at 12:18 am

   I would say no, unless your cat is old. Cat insurance is pretty cheap so you might think about what benefits it might provide, but cats usually just need to have shots and the cost of insurance may not get recouped over the life of the pet for the rare occasions that the cat is sick enough to need to go to the vet. The claim might also be difficult or time consuming to get paid for, check to see if your vet has an insurance partner that they work with to make it easier, usually you will be required to fax in all the signed documents to make a claim and you’ll only get refunded for whatever isn’t covered by an often high deductible. Vet insurance isn’t going to make the vet trips cheaper by a large margin.

   It might be a good idea for an older cat that may need tooth extractions, etc, that can be expensive. Make sure the plan covers a high percentage of costs on the services you expect you will need, and that the payments aren’t going to be more expensive than if you just paid the vet directly.

   Basically, do a cost-to-benefit analysis to see if it would be right for you.
2. rani says:

   July 29, 2010 at 12:18 am

   umm i think u need it………if ur pet gets sick and needs argent care then u should have insurance to take it to the docter……plus insurance cost less then not having insurance…..i prefere u to have it
3. JOHN H says:

   July 29, 2010 at 12:18 am

   go one
4. scruffycat says:

   July 29, 2010 at 12:18 am

   If you can afford it, go for it. I can’t afford insurance for myself, so the pets pretty much don’t get to have it, either.