15

Read the coverages carefully. When I investigated pet insurance several years ago, I found that it was only useful for catastrophic costs; the premiums were about equal to the cost of the annual exam (or vet check) and shots, and provided minimal discount there. At that point, you're playing the odds: if your pet develops cancer, you'll be glad to have the ...


10

I'll relate my experience (United States) so you can refer to it; it might not be a definitive answer, but it could help you decide. In 2002-3, I purchased Veterinary Pet Insurance (VPI) for my first two dogs, with the Standard plans. This covered bare minimum expenses, and since one of my dogs had an ear infection early in life (due to his prior owner not ...


4

If in doubt, ask your vet to estimate the critters age. The insurance companies are aware that pets don't usually come with birth certificate, and an informed estimate is acceptable.


4

I purchased insurance for my cats from VPI. The thing to understand with insurance is that on average, you will lose money on the deal. I worked in insurance for the first 6 years of my software development career at both a carrier and an agent. Pet insurance isn't particularly organized, so you won't generally get discounts at the vet like you do with ...


4

You can't be sure that this cat is a 100% Manx, even if he looks like it, because there are no papers and you don't know his parents. You can suggest that he has some Manx blood, but you don't know if he is really a pure blood. No reputable breeder would admit him into his breeding program because of this. So correct is to call him an unknown breed. But you ...


2

I am looking at pet insurance my for newly adopted adult dog, and am finding that the maximum annual coverage really doesn't make sense for me. For example, most insurers start with a $5,000 annual coverage limit, and have options for as much as unlimited annual coverage for a few dollars more. While this sounds great, if my dog were to have some huge ...


Only top voted, non community-wiki answers of a minimum length are eligible