Monthly prepayment plans for vet care-worth it?

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Monthly prepayment plans for vet care-worth it?

This is a discussion on Monthly prepayment plans for vet care-worth it? within the Dog Health forums, part of the Keeping and Caring for Dogs category; I have been thinking, and I realise that dog care can get quite a bit more expensive than cat care. I called my vet to ...

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Old 01-06-2018, 10:10 AM
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Monthly prepayment plans for vet care-worth it?

I have been thinking, and I realise that dog care can get quite a bit more expensive than cat care. I called my vet to ask about prepayment options, so that I can bring him in if I need to, without worrying about funds. And they have monthly plans available to cover vet essensials. Is it worth it, or should I plow money onto my credit card for when I need it?

Plan one: $49/month
routine exams, fecal exam, heartwom test,mani pedi, shots, bloodwork

Plan 2 $79
vet checks, routine exams, fecal, heartworm, manipedi, shots, bloodwork

Plan3 $99
all of the above, and incidentals
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Old 01-06-2018, 10:34 AM
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That depends on if you see it being worth is. I don't see a need to check there stool or blood that often and if your okay with trimming your own nails then I wouldn't pay for it.

Imo I would set money aside each week or month in a savings account for emergency vet funds. Normally you only have to take a healthy dog for a yearly or bi yearly visit, and routine shots and that shouldn't cost more then 200 a year unless your vet charges a lot, but that also depends in what your doing each time you visit and how offten.
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Old 01-06-2018, 11:17 AM
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I carry a Medical Insurance plan for Samantha, pay the premium once a year. I usually always get back, or very close to, my premium back during the course of the year. This year I will more than get that, since Samantha just had minor surgery to remove a growth, fortunately non-malignant. For us this seems the best way, & I sleep better knowing that if something catastrophic should occur that coverage is there.
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Old 01-06-2018, 04:42 PM
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Quote:
Originally Posted by Laco View Post
I carry a Medical Insurance plan for Samantha, pay the premium once a year. I usually always get back, or very close to, my premium back during the course of the year. This year I will more than get that, since Samantha just had minor surgery to remove a growth, fortunately non-malignant. For us this seems the best way, & I sleep better knowing that if something catastrophic should occur that coverage is there.
Who do you use, and do they pay up front, or do you? My biggest concern is the possibility that time will come to take him in, and the money won;t be available. for the cats, I used the Credit card, and my worst bill was $600, plus the $375 to neuter and vet the new kitten, who may or may not have made him sick(stay baby)...that alone in a single month was crippling but I paid it willingly. Dogs are more expensive, I know
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Old 01-06-2018, 06:20 PM
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Our policy is with Nationwide. They do not pay directly to the Vet, they reimburse. Just having the growth removed, including anesthesia, pain meds, antibiotics, biopsy costs, and the checkup and removal of stiches was in the neighborhood of $800.00. I am aware that costs are higher in Southern California, but since that is where we live, those are the costs we have to deal with. Since we consider good medical care for Samantha as important as for us, the cost for will be something we must deal with, hence the insurance plan.
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Old 01-06-2018, 06:51 PM
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I bought the vet puppy plan at VCA. It covered the neutering and shots which I was planning on doing plus some tests and visits. If he was already neutered I probably would not have purchased it. Right now, I think I am about even.
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Old 01-06-2018, 08:16 PM
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I use trupanion per insurance you can choose how much you want your deductible to be which affects your monthly payment. They cover ninety percent of illnesses and accidents with no limits which is worth it as the pets gets older. I had a cat with cancer that was thirty thousand dollars alone just to treat the cancer which had a ninety percent survival rate with low chance if recurrence. Unfortunately he was one of the few that it returned fast and metastasized so he died.
The younger the pet is the cheaper it is to enroll and mutts are cheaper than purebreds. They don't cover exam fees or routine vaccinations or wellness care or neuters. But they covered a lyme test when my dog had symptoms had symptoms of Lyme so if the vet can say it's diagnostic due to clinical signs they'll cover it.
My dog was diagnosed with ibd and food allergies at only 2 and that's the only way I could Accord all the ER trips and extensive testing and scope to diagnose it and now his continued medications. Same with my cat who has many allergies and had extensive testing and now long-term immunotherapy injections for months.
I didn't expect either pet to get health issues so young, cat is seven now but started getting symptoms at five.
All my previous pets never got sick before age ten so I'm very glad I got insurance so early.
Learned the hard way after spending eight thousand dollars trying to save one cat for a major abscess and infection in just five days in the hospital. After five days and eight thousand dollars I couldn't spend any more and she was getting worse not better so I had to euthanize her anyway. The prognosis when I first brought her in was they were just going to clean the infection give her antibiotics and send her home and she'd be fine. Couple of hours in the ER and few hundred dollars for me. It skyrocketed from there but didn't seem fatal til the last day or two. She was sixteen and had no health issues, never been sick a day in her life. Completely out of the blue. If I'd known about pet insurance then she still would have died but I wouldn't have had the financial stress on too of it.
I signed up all my remaining pets within two or three weeks after that. Every new pet since then I sign up the day I get them.
It was also invaluable helping pay for my last dog's degenerative myelopathy. An MRI alone is several thousand dollars and he needed all kinds of expensive tests and medications. Not to mention sedation since he hated vet and at that point the last thing I wanted was him stressed.
Routine visits and vaccines aren't that much compared to one major illness or injury. When my last dog tore his ACL the surgery and aftercare we're at least $6000. An injury can happen in one misstep or slip in all this snow and ice.
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Old 01-06-2018, 08:31 PM
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The problem with doing a prepaid plan at your vet is that you can only go there for services. What happens if it's the middle of the night and you need to go to the emergency clinic? Or your vet office to unable to get you in for an appointment and you have to go to a different vet? Or they make changes to how things are done at their office and you want to change to a different vet? Personally I would take that money put it in a bank account alotted specifically for vet care; that way you earn interest on your money and you can use at any vet office.
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Old 01-06-2018, 11:59 PM
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Pet insurance pays anywhere you take your pet. Some vets and hospitals will bill the insurance directly so you just pay the ten percent, exam fees, tax and deductible. Once deductible is met you just pay ten percent, tax and exam fees if any. Other vets won't directly bill insurance so you get reimbursed but they'll do direct deposit. This is for trupanion insurance.
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Old 01-07-2018, 08:36 AM
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I was looking at Trupanion last night, I thnk I'll ask my vet about them. They dont cover pre-existing, so if Shamas's occasional limp turns into something, I have a problem...but if he developed Cancer, or hip displasia, or elbow problems, it could mean the difference between losing him or treating him. I'm pretty sure we qualify for CareCredit on our income, but I'm not sure...hubby's income went up this year
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