Hi everyone.
I was wondering if most people on here have pet insurance for their cats. After Zoey got ill and vet bills started racking up, I swore my next cat would have insurance. However, after looking around a bit and considering the costs, I'm not sure anymore.
The best value I could find here in Canada is PC Pet Insurance for about $23/month. That includes 80% coverage, up to $5000/year (limits for accidents and illnesses are separate, per accident/illness). With 2 kittens, that would be about $46/month.
When I thought about Zoey, I figured I had her for 3 months before she got sick. So, for the $69 I would have paid, I would have saved about $1600 in vet bills. That said, I don't think they would have covered her illness because she hadn't been vaccinated yet. She was also sick from the day we brought her home, we just didn't know how severely.
So...2 new kittens....seem very healthy and will be vaccinated, indoor cats. Assuming the cats live 10 years (hopefully more), that's a cost of $2760/cat. I know if they get sick or injured, it will be well worth it. But, if they don't, or any illnesses they have are minor, it is a lot of money.
There's also the peace of mind issue. Right now, I'm not certainly not rich, but I have the flexibility to make financial decisions as needs. But, as I get older, have kids, buy a house, etc., things will likely become less flexible. It would be nice to know it is covered.
I'm just thinking outloud (or in text), but I'm leaning toward insurance.
Do you have insurance? If you do, have you had good experiences?
Anyone in Canada with experiences with any of the major insurers (PC Financial, Pet Care, Pet Plan, Vet Insurance)?
I was wondering if most people on here have pet insurance for their cats. After Zoey got ill and vet bills started racking up, I swore my next cat would have insurance. However, after looking around a bit and considering the costs, I'm not sure anymore.
The best value I could find here in Canada is PC Pet Insurance for about $23/month. That includes 80% coverage, up to $5000/year (limits for accidents and illnesses are separate, per accident/illness). With 2 kittens, that would be about $46/month.
When I thought about Zoey, I figured I had her for 3 months before she got sick. So, for the $69 I would have paid, I would have saved about $1600 in vet bills. That said, I don't think they would have covered her illness because she hadn't been vaccinated yet. She was also sick from the day we brought her home, we just didn't know how severely.
So...2 new kittens....seem very healthy and will be vaccinated, indoor cats. Assuming the cats live 10 years (hopefully more), that's a cost of $2760/cat. I know if they get sick or injured, it will be well worth it. But, if they don't, or any illnesses they have are minor, it is a lot of money.
There's also the peace of mind issue. Right now, I'm not certainly not rich, but I have the flexibility to make financial decisions as needs. But, as I get older, have kids, buy a house, etc., things will likely become less flexible. It would be nice to know it is covered.
I'm just thinking outloud (or in text), but I'm leaning toward insurance.
Do you have insurance? If you do, have you had good experiences?
Anyone in Canada with experiences with any of the major insurers (PC Financial, Pet Care, Pet Plan, Vet Insurance)?