The premium is 8.30 a month per guinea pig, with a $50 deductible (which we don't have to pay if we don't file a claim during the year).
That's just $41.50 a month to insure all our guinea pigs! That's how much we're paying on meds alone.
Meanwhile, we're getting 90% coverage on everything excluding regular maintenance (I guess nail trims and well visits), but that does mean prescriptions. With 3 of our 5 pigs on heart meds, this is invaluable.
We get up to $2,000 on a given procedure, and $7,000 total in the year.
I just really wanted to let people know there's an insurance agency out there that covers guinea pigs, and that it's affordable. I know in these hard times it can be really expensive to have pets, especially special needs pets, and this is a great option.
I know that VPI has been written about before, but I couldn't believe how much sense it made!
After we adopted Brindy I was so happy-then I sort had this number crunching moment and went-"uh oh." Now I'm more going, "Oh whew!"
- one pig at a time.
I am not sure about this, but I think I also recall my vet saying something about the VPI, that you have to still pay for the procedures up front and than you get paid back after filing the paperwork to them.
I am glad though for you this is going to work out in your favor. Anyway we can save money these days and still be providing the best care to our furbabies is a great thing!
"I am not sure about this, but I think I also recall my vet saying something about the VPI, that you have to still pay for the procedures up front and than you get paid back after filing the paperwork to them."
This actually depends on the vets discretion. I think that's the general protocol, but if you have a good relationship with your vet or if it's a payment plan, VPI has no issue with you filing a claim on something you haven't paid yet, reimbursing you, and then having you use that reimbursement to pay the vet bills.
I think the premium might differ from state to state too. I just couldn't believe it was only $8.30 a month!
edit: I think after Rifka especially I never want to be in a position to not be able to care for my pigs. With us not making much money right now this is the best option to be able to assure we can care for them financially.
Well, I called back. Heart disease isn't an enrollable condition, so that means Moisha, Sophie, and Lisbon couldn't be covered. But we could get Esme and Brindy on a plan. That would certainly give peace of mind. I really need that right now.
If they were to develop heart disease, for example, once covered they would not be unenrolled from the plan.
You have to have owned the pet for 60 days, but they made an exception for Brindy since we'd been fostering her before.
There's no signing fee, but you do have to pay for two months at once, and you can be enrolled in the program for as long as you want.
I know it's probably not a good fit for everyone, but Matt and I don't have much money and after Rifka I really want this protection for our pigs. We already have our savings account for heart meds, etc. each month but I always count on Esme to be healthy. I didn't count on Brindy period! This way I can feel more secure about their veterinary care.
- 4 the Good of all Pigs
We are kicking ourselves we did not get it when we got the puppies 12 years ago. Little did we know Max was going to be the $10K dog and Puck is now trying to get up there in $$ spent too!
Peace of mind is worth a great deal to me right now.
The symbolism of this may be worth me to than it is you (you not being in my shoes right now, and not being me). Either way I've enrolled two of my pigs in it regardless.
- For the love of pigs!
- one pig at a time.
I personally use Care Credit and that works for me. That probably would not work for everyone either :)
I think to some degree most of us are in pretty bad situations at the moment. Even Doug and I are pinching our pennies lately. It is scary, and I do understand that. Keep your chin up and don't bet yourself up over "what-if's.
- Cavies 'n Cobwebs
The plan is from Pet Plan's Exotic Direct policy.
Cost £82.20 per animal per year (£6.85 per month) from 8 weeks to 5 years old.
Covers vet fees for accident, sickness or disease per policy per year up to £2,000.
£45 excess per animal per course of treatment. Larger excess may apply to certain treatments such as x-rays, ultrasound etc up to 50% of the treatment cost. I can't remember if they do not cover consultations to vet schools etc. or cover just a percentage.
Existing treatments are not covered, those that start after the policy start are taken on a year by year basis as long as treatment hasn't lapsed for more than 60 days.
Do not cover theft, escape or mysterious disappearance.
Do not cover preventive treatments.
Do not cover any treatment relating to coming into season, breeding, pregnancy or giving birth.
Do not cover spay/neuter or euthanasia.
Do not cover any injury caused by you, your family, your other pets or any animal coming to your premises.
Do not cover more than 50% of dental treatment less the excess depending on preventive and routine care having been provided.
A more comprehensive list of exclusions is on their Current Policy Terms.
So far after discussion in a follow up call with Exotic Direct, I've decided at this time there are too many exclusions and the excess is too high for me to insure Tiggy. Chilli is too old and has too many pre exisiting conditions.