Having recently lost my beloved Himalayan "Hannibal" to heart disease (nearly one month ago today), I've been pondering the thought of getting pet insurance for my three other furbabies. Anyone have experience using pet insurance? What pitfalls should I avoid? Which company is reputable? After this terrible ordeal, I'd never want to be told again I need worry about the money when it comes to the life and health of my babies.

When I'd first brought Hannibal to the vet, she acted as if due to the cost of the surgery, and the strong likliehood it would recur, it would be advisable to have him put down. I of course refused, however, Hannibal passed away on the way to the cardiologist's office the following morning, approximately 23 hours after he collapsed. (The cartilogist was located in another town, and was by appointment only.) Even though my vet bill wasn't exorbited, I never want that issue thrown in my face again. The delay in his medical attention really ticked me off too, as my research indicated he would have needed immedate surgery to improve his chances. After literally hours on the phone, no such luck. My sweet, sweet Hannibal was only 5 years old.

While I can't give you any advice on pet insurance (its something that I have been pondering myself as well recently), I understand your concern and disgust when it essentially comes down to how much are you willing to spend. I've recently dug a small hole in my pocket first with my kitty Odin who did not survive and now his brother Loki who is at home recovering. It sickens and disgusts me when we are forced to make a decision because of cost. The clinic that I have recently brought my cats to do not offer any kind of payment plan options. (Although the sign on their desk says differently) Fortunately I had the funds available. I watch animal planet alot and I see all these people that have their pets taken away due to neglect to the animal. While most deserve to have them taken away, there are the few good ones who genuinely love and care for their pets but if its a choice between eating or bringing Fido to the vet, I think eating would win hands down. I don't understand why there can't be something on a pay scale for those who can't afford the quality care for their animals. You pay what you can afford. Or perhaps working the debt off at the clinic or bartering services or talents. Money isnt the most important thing in the world. I am sorry about your Hannibal and the cir%%stances you had with his surgery. Odin was 3.5 years old when he died three months ago. It doesnt matter how old they are when they die, you'll always feel like you never had enough time with them. I hope that you find some peace with his passing.

Take Care,
Cynthia

as with any type of insurance, pet insurance is a "dice roll." when viewing a policy, check to see what it covers and especially check to see what ages
of the pets are valid for reimbursement.

as with human doctors, vets need to take into consideration the pet, the loved ones, and their own career/practice when helping you to make
decisions (i am not a vet, btw). also keep in mind, that in comparison to human doctors, vet charges are a fraction of the cost. even so, they must
put into context the health of the animal and the likelihood of the problem reoccuring despite their efforts and/or length of time of quality of
life to help you make your decisions.