08-23-2017, 12:28 AM
Join Date: Dec 2015
Location: Southern California
Mentioned: 32 Post(s)
Tagged: 0 Thread(s)
Originally Posted by futurephoenix
So you essentially get the money back? I'm just concerned about it going to waste is all. Is a premium what you pay monthly?
I don't always recover 100% of it, but usually close. If you are very diligent about Vet & medical care, we are with Samantha, the policy pays for her wellness exam, most all of her inoculations, the majority of her flea and heartworm prevention medication, now throw in a couple of ear infections, and perhaps an injury of some sort, during the year, and you pretty quickly can rack up some major expenses. I will warn you, that as she gets older, the annual premium does increase. To help control that, I raised the deductible or the amount I pay before insurance kicks in during any insurance year. About four years ago, Samantha was very sick, wouldn't eat or drink, and our Vet referred us/her to a clinic so she could be seen by specialists. Insurance, that year, probably paid 3 or 4 times the annual premium, at least. Specialists are very very expensive, but for us worth every penny, as Samantha did recover and is very healthy today.