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-   -   Who has pet insurance for their birds? (http://www.parrotforums.com/general-parrot-information/86191-who-has-pet-insurance-their-birds.html)

LittleRedHen 06-18-2020 08:29 PM

Who has pet insurance for their birds?
 
I'm looking at getting pet insurance for my birds, and I want to hear about the experiences of others. What company did you use? Was it easy to submit claims? What did it cost? Did you feel it was worth it?

thanks in advance!

noodles123 06-18-2020 08:44 PM

Re: Who has pet insurance for their birds?
 
Quote:

Originally Posted by LittleRedHen (Post 873944)
I'm looking at getting pet insurance for my birds, and I want to hear about the experiences of others. What company did you use? Was it easy to submit claims? What did it cost? Did you feel it was worth it?

thanks in advance!

I don't but honestly, I think about this often and I totally feel like I should...Not sure why I don't. I have researched it and I get intimidated by it (because I am worried I will get scammed when I shop the different packages/companies online)..That having been said, many years ago a decent insurance plan, would have paid for itself because my bird had an unknown liver condition when I adopted her from her previous owner and that ended up being expensive..
I guess I would just make sure you know exactly what is covered and if you have to use a certain provider...But it could provide peace of mind if you knew you were on a decent plan--- heck, I'd happily pay $25 a month to know that if there was an emergency surgery or something, that it would be covered...

Now I am thinking about it again...

Sorry that wasn't much help!

chris-md 06-18-2020 08:52 PM

Re: Who has pet insurance for their birds?
 
Only one place offers it here in the US. I feel like there’s a reason for that, which doesn’t bode well for customers. Exotic care is o expensive it’s not worth it for insurance companies to cover. Being hard to find in an otherwise insurance rich country is VERY telling.

You’re much better off just setting up a savings account.

noodles123 06-18-2020 08:57 PM

Re: Who has pet insurance for their birds?
 
Quote:

Originally Posted by chris-md (Post 873947)
Only one place offers it here in the US. I feel like there’s a reason for that, which doesn’t bode well for customers. Don’t know what it so, but being hard to find in an otherwise insurance rich country is VERY telling.

You’re much better off just setting up a savings account.

Really? Like I said, I have always been too scared to do it, but what company are you familiar with? I know I have seen it advertised at vets, but I guess it could all be the same company...Have you looked online (are none of those legit?)--if there really is only one, THEN OP--LOOK INTO THIS (I DK, LIKE I SAID).

I thought I saw quite a few online (not that everything on the internet is safe LOL)-- I was worried they could be sketchy (even though they seemed legit) so I didn't ever do it, but if I could find a good one, I probably would.

I guess the thing is, $25 to $50 a month in a savings account wouldn't cover an unexpected surgery or insane testing/imaging bill 6 months down the road. Again though, I DO worry about all of the fine print w/regard to services covered, providers/ in-network vs out etc.

chris-md 06-18-2020 10:12 PM

Re: Who has pet insurance for their birds?
 
It’s nationwide, I believe. Like 80% sure of that.

fiddlejen 06-18-2020 10:33 PM

Re: Who has pet insurance for their birds?
 
My workplace offers a bunch of weird options that you can have included to take out of your pay, and pet insurance was one. Dogs & cats you could self-sign-up for but others (like birds) you had to call for a quote.

I got my quote but not without having to deal with his salesmanship of "oh peace of mind" etc etc. He managed to get me to sign up but luckily I was able to back out the next day since I had Not submitted my full annual benefits re-enrollment yet.

So the only plan I was offered (1) did Not cover regular Office Visits. So each of those broken feathers was gonna Not be covered. Then there was (if i recall correctly) some deductible and some max benefit which made me question whether it was worth paying for.

But further -- regarding that "Peace of Mind." The insurance does NOT work like health insurance. That is, the vet does Not do the service and submit to the insurance and you pay your portion. RAther, you pay the vet as required or as you agree with the vet, and then you submit to the insurance, and IF they approve it they pay you back.

So yeah. In my opinion, for my little Sunny plus budgies. IF there is a major expense and I can afford it I will. And sure, in such a case it would be nice to hope for reimbursement from an insurance company. But for me, that is Not peace of mind.

Because, if in some terrible circumstance I canNOT come up with funds for some horrendous expense -- the pet insurance will NOT provide me with funds. At least not until after the fact. So IF i lack sufficient funds for some expensive treatment -- I will Still Lack those Funds.

I understand that for others, potential reimbursement of an expense might be enough for Peace-of-Mind. For me, i would call it that, if it meant that I would be Able to get her whatever unexpected care she needs, Despite my AVAILable funds. For me, an after-the-expense reimbursement does Not give me peace that I could provide her with care. I still have to have the funds Available in the first place.

So with the peace-of-mind a non-factor I looked at my costs & policy costs versus Probable expenses that could be Actually Reimbursed, and for me I concluded definitely Not worth it.

I don't have the figures anymore, and maybe yours are different. But I definitely suggest doing the math on the details of the policy you're considering, before deciding whether to go for it or not.

noodles123 06-18-2020 10:40 PM

Re: Who has pet insurance for their birds?
 
Quote:

Originally Posted by fiddlejen (Post 873971)
my workplace offers a bunch of weird options that you can have included to take out of your pay, and pet insurance was one. Dogs & cats you could self-sign-up for but others (like birds) you had to call for a quote.

I got my quote but not without having to deal with his salesmanship of "oh peace of mind" etc etc. He managed to get me to sign up but luckily i was able to back out the next day since i had not submitted my full annual benefits re-enrollment yet.

So the only plan i was offered (1) did not cover regular office visits. So each of those broken feathers was gonna not be covered. Then there was (if i recall correctly) some deductible and some max benefit which made me question whether it was worth paying for.

But further -- regarding that "peace of mind." the insurance does not work like health insurance. That is, the vet does not do the service and submit to the insurance and you pay your portion. Rather, you pay the vet as required or as you agree with the vet, and then you submit to the insurance, and if they approve it they pay you back.

So yeah. In my opinion, for my little sunny plus budgies. If there is a major expense and i can afford it i will. And sure, in such a case it would be nice to hope for reimbursement from an insurance company. But for me, that is not peace of mind.

Because, if in some terrible circumstance i cannot come up with funds for some horrendous expense -- the pet insurance will not provide me with funds. At least not until after the fact. So if i lack sufficient funds for some expensive treatment -- i will still lack those funds.

I understand that for others, potential reimbursement of an expense might be enough for peace-of-mind. For me, i would call it that, if it meant that i would be able to get her whatever unexpected care she needs, despite my available funds. For me, an after-the-expense reimbursement does not give me peace that i could provide her with care. I still have to have the funds available in the first place.

So with the peace-of-mind a non-factor i looked at my costs & policy costs versus probable expenses that could be actually reimbursed, and for me i concluded definitely not worth it.

I don't have the figures anymore, and maybe yours are different. But i definitely suggest doing the math on the details of the policy you're considering, before deciding whether to go for it or not.

very good to know!!!

Charliesmom 06-19-2020 02:36 AM

Re: Who has pet insurance for their birds?
 
I have a credit card called care credit that most vets ive come across take. It's come in handy a few times....
It's specifically for things like vet visits

wrench13 06-19-2020 06:39 AM

Re: Who has pet insurance for their birds?
 
We have a well care thing for Tinker, our Cairn Terrier. I think its $350 a year and covers standard office visit fees, and a small discount on meds. It does not cover any surgeries and the like, She had to have a tooth extracted and a small tumor like growth removed last year, and it did diddly for that.

You'd really need to look closely at the benefits on a bird insurance policy. Salty's recent trip to Dr Hoefer was $240, for a full exam, wing and nail trim, meds and a gravage feeding. I prefer to keep a small slush fund going for such visits. that covers toys, Dr visits, food and such. we add about $100 per month, and it usually gets used up periodically. This month, June, it went in the red, because we made 130 baggies of chop, a batch of new toys, and this med expense. THis is why the experienced members on the board advise newbies that the cost of a parrot is not the up front purchase price - its the up keep and care that can easily, very easily, exceed the price of the bird itself. I know for Salty, it does that almost on a yearly basis. Money well spent though.

SailBoat 06-19-2020 10:16 AM

Re: Who has pet insurance for their birds?
 
We long ago learned to simply budge a monthly amount for Amazon Care. Same as we do for costs that our health insurance does not cover. And, that is a subject, I'm staying far away from...

With years of IRS Income Documents that look more like mid-sized novels, one can see trends in expenditures (FYI: If you fall-out of a normal trends, that's what the IRS looks at to schedule a visit). Point being, we have long tracked Avian Vet Costs (no not deductible) and like most costs they follow a fairly consistent outlay year to year with a major hit every five to eight years. Track the high marks and set your budget around it. And yes, a savings account for those costs not spent in any prior year, which is called an emergency account.

NOTE: Most all Avian Clinics have an individual that handles the organizations accounting. You should know that person by name and if you are at all regular in your visits, set up a yearly visit. This individual can provide you last year and possible several prior year expenditure with them. Two points, #1, someone in their organization knows you are a regular and that your are worth working with regarding costs, available insurance they work with and what they offer and #2, in their organizations, your name (more like your Parrot's name comes up as part of the important group called regulars!!!


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