ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Health insurance for your pet: Is it worth the investment?

Updated on June 19, 2013

Protection for the Four-Legged Family Members

After substitute teaching for several years at the beginning of my career (and paying for my own health insurance during that time), the first thing I did when I got my first full-time position with benefits was to buy pet insurance for my two cats.

It seemed a bargain compared to what I had been paying each month to insure myself. Plus, I would go to any lengths to care for my cats regardless of the cost, so having some of those costs reimbursed felt like a windfall.

I wish I had had the coverage several years earlier, when a cat I had recently adopted developed breathing difficulties in the middle of the night. The 24-hour emergency clinic veterinarian looked at my husband and me and said that a blood transfusion could cure the anemia she had developed from months of flea-infestation at the shelter, but that she probably wasn't strong enough to handle the procedure. My husband and I made the difficult decision to have her euthanized, thinking it was the best and only decision.

My husband and I were young newlyweds with a mortgage and I often wonder if the veterinarian thought she was saving us the torment of making the decision based on money. It must be heart-breaking for medical professionals to know that they could save an animal, but that the cost makes it prohibitive for the animals' guardians.

This is where pet insurance comes in. It's the first thing I mention when I take one of my cats in, especially in an emergency situation. I feel it makes the doctor comfortable and able to follow a medical protocol instead of a cost protocol.

Veterinary Pet Insurance (VPI)

VPI isn't the only pet insurance carrier, but it is the oldest and largest pet health insurance company and the only one I have experience with.

As with any kind of health insurance, there are exclusions and limits. Pre-existing conditions are not covered. Not all conditions are covered and there are limits to those that are, including limits on the testing and treatment. There is also a per-incident deductible.

I pay my yearly premiums on a monthly installment plan which includes a processing fee. I'm grateful for every month that goes by that I don't have to make use of my policy; the peace of mind it brings me is worth the premium I pay.

Comments

    0 of 8192 characters used
    Post Comment

    • Paulart profile image

      Paulart 6 years ago from 2510 Warren Avenue Cheyenne,Wyoming 82001

      Great stuff regarding pet health insurances.Keep on sharing.

    • Kat07 profile image

      Kat07 10 years ago from Tampa

      Thanks, I'll look into it!!! : )

    • TwoCansMom profile image
      Author

      TwoCansMom 10 years ago

      I have four cats now (but no kids so I'm not saving up for college!) so the monthly premiums are my investment in our future together (they won't be able to take care of me when I'm old, but maybe I'll stay healthier longer because of them!). VPI does offer a multiple-pet discount which helps a little bit. And it's an ideal investment if you buy the policy when your animal is a kitten or puppy.

    • amy jane profile image

      amy jane 10 years ago from Connecticut

      This is a great hub, thank you! I wish we had thought to get insurance when we first got our dog - she is accident prone, and has cost us thousands! :)

    • Kat07 profile image

      Kat07 10 years ago from Tampa

      It's a great idea if you have 1 or 2 animals. We have 6 - I can't imagine shelling out for their policies every month! But I can see where it could come in handy, as we did recently acquire some hefty vet bills. Great hub!

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: "https://hubpages.com/privacy-policy#gdpr"

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)