Pet Insurance: Is It Really Worth It? PetCare Insurance Prompts Discussion (and Disappointment)
We switched to PetCare Insurance in 2000, when seeking a provider that could cover claims in the US as well as Canada. But, is pet insurance really worth it? Do you ever get back what you pay with ceilings on illness categories? And, the older your dog, the higher the deductible, no matter his/her claim record! Then there’s the "small print" and "exemptions" and "exceptions" as well as "specials."
You need to be bold and ask in order to receive a "discount" because charges can vary. When I questioned an increase in monthly premiums (for 2008) for each of my dogs, a customer care representative responded by offering a 15% reduction for us to stay with their program. We became "eligible for discounts," it seemed, only when making a fuss, not automatically.
For Sage’s urogenital illness in February (08) the bill was $591.32, for which we received $381.39. The co-payment was $59.03 and the deductible $150!
A typical "Mastercare" (90% coverage) policy for a toy poodle (when we were enrolled) broke down like this:
Payplan fee: $1.50 monthly
Premium: $49.35 monthly (including discount)
Taxes: $3.95 monthly
Total: $54.80
Is insurance like this really worth it at the end of the day? Perhaps creating a personal bank account, strictly kept as a monthly pet security fund, to be drawn from only for veterinary emergencies, is a better option. A growing number of pet owners prefer to do this—especially those who have encountered vets who don’t show extra care and attention in filling out clients’ claim forms. Let’s not forget that these professionals will get paid anyway, no matter the source for the funds.
Fall 2008, we terminated our PetCare policies. Unfortunately, as is often the case, we felt that "might over right" was wearing us out. Regardless of whether PetCare’s practices were questionable, there seemed little effective recourse, even after approaching the ombudsman and other insurance industry overseers. An earlier blog entry, Older Dogs’ Healthwatch, points to where some of our woes began. Vets, it seems, can perform multiple investigations/suggest alternative (potential) diagnoses when not sure what’s wrong, maximizing fee, procedure, and treatment possibilities. An insurance company, it seems, can easily deny all other (unrelated) charges, just by finding one that can attach to a condition category that’s not "covered."
Even though more than a year has gone by, we still have not forgotten the pain, anguish, and loss caused by our investment in PetCare policies. Bad enough to have a sick pet. Worse to be with an insurance company that, in our experience, seemed to help add stress (and expense), not take it away.
Lev and Sage are now nearly 13 and 10 years old, respectively—hopefully with many more good times ahead. Here’s a look back at some of our already blogged about adventures (photos included):
• It’s a Dog’s Life: Editors in Chief and Studio Assistants, Lev and Sage, Took a Bit of Time Off, at the Cape, August Long Weekend (June 7, 2009)
• Yes, We Did—And We Made the News! (June 9, 2009)
• Exchanging Vows, With Poetry At Woofstock Wedding—Today. Lev and Sage Are the Happy Bride and Groom (June 7, 2009)
• Woofstock’s Weddings for Dogs—Today! (June 7, 2009)
• Wedding Announcement! A Later in Life Marriage for Older Woman, Younger Man, and It’s Dog-Friendly (May 28, 2009)
• 12 Years-Old Today—Lev Makin, Editor-in-Chief, DocSusan’s Blog. From Puppy to Pensioner! (February 5, 2009)
• Winter Fashion and Practicality for Dogs (February 7, 09)
• Paraphimosis: Little Penis, Big Swelling and Extrusion from the Prepuce—Sage’s Health Saga Continues (February 4, 2009)
• Dog-Shots by Lev and Sage Makin: Some of the Best Poses of 2008 (February 2, 2009)
• “The Sneeze”: Lev Makin (Blog Editor in Chief) Post Oral Surgery—Older Dog, Longer Recovery and Greater Concern (January 14, 2009)
• Sew Nice! Homemade as Tonic and Treasure (January 9, 2009)
• Lessons from 2008: Canine Confidence and Coincidence Cure (January 1, 2009)
• Home for the Holidays! Sick Puppy Alert: When Two Dogs are Better than One. (December 25, 2008)
• Homemade Dog Food: Synchronicity, Health, Quality (November 22, 2008)
• 48-Hours of Caring for Sick and Elderly. Sage Makin, Little Wonder-Dog’s Recovery in Images (November 10, 2008)
• One to One at Apple: Customer Satisfaction and Doggies Included (July 26, 2008)
• Older Dogs’ Health Watch (July 10, 2008)
• Favorite Dog Toy is a Duck (June 8, 2008)
• Artists Need Moral Support—and Caninekind Offers the Best (May 5, 2008)
• Artwork Approval: Animalkind like Animal Magic! (April 15, 2008)
• Every Art Studio Needs a Watch-Dog (April 10, 2008)
• Veterinary Emergencies (April 2, 2008)
• Sunbathing DOGS (March 12, 2008)
• “Happy Birthday!” Editor-in-Chief and Studio Assistant, Lev (February 5, 2008)
• Always a Puppy, Never a Dog (August 23, 2007)
• ART STUDIO Assistants and Poodle Pals (April 1, 2007)
• DOG-Sitter Caution (January 21, 2007)
• PUPPY (Baby) Pictures (December 22, 2006)
• CAPE COD in Fall/Winter (November 6, 2006)









