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January 12, 2010

How to Pay Those Skyrocketing Pet Bills -- Pet Insurance Resources

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We don't begrudge anyone the right to make a living, but vet bills sure mount up very quickly these days. Office fees, lab fees, x-rays, dental care, surgery, vaccinations--we are talking hundreds if not thousands per visit.

And, sad to say, the line between medical care and salesmanship is starting to look a little blurry. Do you know how or even if you would cover your pet's veterinary bills if they become seriously ill or need surgery?

Currently, around a million U.S. pets are insured, according to the North American Pet Health Insurance Association. The Wall Street Journal recently ran an excellent overview of pet insurance, making the following points:

Consumers need to be careful, since many pet policies can be as confusing as coverage you buy for yourself.

Pet insurance often places strict limits on how much it will pay for particular procedures.

And policies can have tricky designs that can leave consumers with big out-of-pocket bills for their animals.

Premiums vary from around $10 a month to $75 a month, depending on factors including the richness of the plan, your location and your animal's breed and age.

If you're considering pet insurance, WSJ provides the resources below to get you going:

Educational sites that provide overviews:

Industry and veterinary group sites:

Sites for pet insurance companies:



We did some research and wonder if pet insurance may turn out to be a net loss. Once you total up premiums, deductibles, the remainder after a payout of only a percentage of "usual and customary fees", lack of coverage for hereditary, congenital, pregnancy, cosmetic and pre-existing conditions--likely we will just wing it.

Read the article, do your homework and decide based on your own situation.

Read More in: Cats | Dogs | Health and Safety | Pet News | Pet Sitting and Services

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Posted by Super Cool Pets Staff at January 12, 2010 8:00 AM

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