- Supporter in '10
It sounds like most people pay $9 per month per pig with the aforementioned insurance provider.
And, they take a $50 deducible for every new illness claim.
and we get back 90% of the money after the deducible is taken out.
Example If we go to the vet for the first time and have to pay $200, they will take $50 out and give us back $135. So we basically pay $65 instead the full two hundred.
As long as they never start asking the question "do you belong to GL" on their forms sounds like a good bet.
Average medical care seems to be $300 - $400 over the life of the pig and if you have anything major involving surgery it goes into the $800 and sky is the limit range. so $9 a month is very fair.
Let me know how it works out, because I am definitely thinking of getting some after spending close to $800 on Chaos (recurring UTIs and Leukemia at the end)
Urtlkin2piggy, please read this post:
If you take the time to use proper capitalization and punctuation, it makes posts so much more readable.
One of my primary worries would be any surgery or major things that end up running into the $800 - $1000 range.
They have caps on what they are willing to pay out for specific conditions. All are between $100 and $300. This is how they make their money.
The average guinea pig won't have health problems every year.
The benefit schedule pretty much guarantees they won't pay more than $250 in any one year to any one guinea pig.
For Stones they will only pay $100 (anyone who has had this knows it costs a lot more).
Most conditions they max out between $100 - $300. So unless you have one pig having lots of minor unrelated health problems in one year it is definitely not worth it. Save your $ in a guinea pig account or go to care credit for the larger bills.
I did see that GuineaPinny got reimbursed $650 but I don't know how looking at the benefit schedule. The operator on the phone wasn't very helpful, she kept asking me to look at the benefit schedule instead of directly answering my question.
When I pointed out that Cystitis was maxed at $100 and that is an $800 - $1000 surgery her reply was "you know this is only $9.00 a month?" implying you get what you pay for.