Veterinary Pet Insurance (VPI) - Dog Insurance, Cat Insurance, Pet Health Insurance

haha, I posted about this a month ago I can't believe I found it! 10$ a month is cheap but I want to find out if I can have some write offs on it, like their lost and found thing, my bird is already chipped so no need for that so I think they can knock a buck or two off it. It also says under coverage they cover 6,400 different medical problems that could come up with your bird. Not a bad deal I say.

My two birds vets bills which were in excess of $8,000 last year are not eligible for insurance because of pre-existing conditions.

I found a little more info and a write-up from someone that checked into VPI;

Pet Health Insurance

What is pet health insurance and how does it work? Most people are familiar with health insurance. You pay a monthly insurance premium, and in return your health insurance company pools premiums and risks and covers a large portion of your medical expenses when they exceed an annual deductible level.

Good idea. What about health insurance for your pet? Most people are not even aware it exists. But it does; and it works differently from people insurance. With a pet insurance policy, you normally get to choose any licensed veterinarian you like to take your pet to. You normally pay the entire bill in full at the time of service (no co-pays), fill out your claim form, and send it in to the insurance company for reimbursement. Cost of a pet insurance policy typically runs about $300-$400 per year - if you've ever had a large veterinarian bill for your pet (or worse, a series of them!), you know pet medical bills can quickly run into the thousands of dollars.

Of course dogs and cats are usually the animals covered by pet health insurance policies, but their are also avian policies (bird insurance) and exotic pet policies (snakes, etc.).

Where to buy Pet Insurance Online or get an online quote?

VPI Pet Insurance - they offer a number of different priced options; their VPI Superior Plan ($50 ded. per incident, max. annual benefit of $14K, pays 90% of cost) for a 3 year old Huskie was about $30 bucks a month. They offer free online quick quotes for pet insurance premium estimates. Things covered: Accidents and Illnesses, MRI, CAT Scans and X-Rays, Surgeries, Cancer Treatments, Prescription Medication, Hospitialization, Vaccinations, Heartworm Protection, Annual Exam, Prescription Flea Control, Spay & Neuter.

Pet insurance is not for eveyone, but if you are concerned about the rising costs of pet care and veterinarian bills and pet medications, do a little research into a policy, see what it costs, and compare it to what you spent out of pocket last year on your pet - see if it doesn't make sense to switch to a pet insurance policy.

Here's a story of someone that looked into VPI;

ParrotChronicles.com

I have been blessed with a vet bill of 0 thus far, but as the new kid is coming I have to actually go into a vet clinic. >.< That and there's a restriction stating he must survive the first 60 days with me before I can enroll him. I guess in the back of my head the way Raddaughter does her vet thing is she puts aside 10-20 dollars a month which in the long run would be good if like her birds never got ill so she could collect on it herself with interest, But, eventually i think we all know our birds will get ill. I don't think anyone has ever owned a bird for their full life span without them getting sick at some point even if it was minor. As soon as my job gets a little more regular (40 hours...>.< I would kill for 40-35 hours at 9$ after taxes) I'm going to enroll both my kids, the first 120 days is crucial after all with a new fid right?

I'm lucky to have an Avian Tech in the family. Don't need to go to the Vet. as long as nothing is wrong. Hmm, that didn't sound good...maybe I should look in to insurance.