Thread: Insuring your Maine Coon?

Hard luck Louie-Louie,I can't see why you should have to pay out twice either,if your cat was diagnosed FIP & any other treatment & subsequent euthanasia was all to do with this you should have had only one excess,could your veterinary practice not sort it out for you or at least found out the reason why you were charged twice.I think some companies do have some weird & wonderful rules so like any policies read all the small print,like most things the more you pay the more you get,some will cover drugs for any diagnosed treatment for life,some up to a certain amount of money,some just for the year,some companies will pay for alternative type treatments as well,some don't,it can be a minefield.
Like everything now the fact that more can be done for our animals & a lot of it is very expensive treatment the insurance companies are having to make the "Gold Star"policies high & as you step down the rungs less & less is covered.I think they shoud be like cars,you earn no claim bonus & not as your animal gets older & have never made a claim they put it up sky high as your reward.

It was Petplan JC aparently it was because he became ill 2 weeks into his kitten insurace & then when the 4 wks free cover finished it was classed as a new claim even though it was the same illness I have read that other people have had the same problem.

It dosent make any difference in the end we still lost our beautiful Merlin we would have paid all the money in the world to have saved him but I do strongly advise yourself to atleast insure any kitten for the 1st year

RyanM forgot to mention some insurance companys will only pay for so many complementary therapys eg only 12 hydro sessions not that thats a major concern with Louie but he would probably enjoy it

This is something I've really wondered about.
I've heard some bad reports on pet health insurance where the company won't pay out. I really need to look into it, but I'm wondering if I would be better putting the money into an account....?

I looked into pet insurance nearly two years ago when we got a male MC to replace our MC mix that had died from HCM. I could not find a single (USA) pet insurance program that did not have absolutely terrible reviews online. Many many people were having trouble with claims being denied or having to repeatedly submit the same claims ("we didn't receive it"). The only people who were happy were those that had yet to submit a claim (!) and those whose cats were injured in an accident (e.g., with a car). Furthermore, every single one had an exclusion for genetic diseases and pre-exsiting conditions. Unfortunately, those two exclusions represent a massive loophole that could allow denials of essentially anything except for an accident. Virtually all HCM has a genetic component as do hip problems and lots of other diseases. Since the pet insurance market in the USA isn't regulated like human health insurance (and that still is a mess of refused claims), I decided it was too likely to be a waste of money. Sounds like UK pet insurance is better. If any USA members have positive experiences actually getting reimbursed for non-injury claims, I would love to hear about the company.

I looked into this last night and every policy has an excess of $100 per condition. DH and I are thinking we're better off putting the money it would cost us for insurance into a bank account each month....
And there were also a lot of exclusions...