Pet Insurance

[richardp17]

Which plan do you guys use and what type of deductibles, etc. do you go with?

[Tater]

Hold that thought, we're gonna have a Pet Doctor Forum soon as the admins get a break from their duties.

[Glenn]

Care Credit.

If your vet doesn't take it ask them why not and then tell them to get on in the 21st century with the rest of the grown folk.

[Griffin]

Pine street animal hospital does work on the house for scducks members that agree to leave a good yelp review

[richardp17]

Hold that thought, we're gonna have a Pet Doctor Forum soon as the admins get a break from their duties.

Huh?

Care Credit.

If your vet doesn't take it ask them why not and then tell them to get on in the 21st century with the rest of the grown folk.

Just looked at the website. Is it insurance or a pet credit card?

Pine street animal hospital does work on the house for scducks members that agree to leave a good yelp review

Thanks. Actually in Charlotte.

[Luvin' Labs]

I've used Care Credit before. Never any issues.

[Duck cutter]

Never heard of anyone using pet insurance until I joined this forum.

School me on it.

What makes Care Credit so good?

I may look into it

[marsh chicken]

Care credit was invented by Lady Gaga and the Devil. It's awesome, but forbidden. Sort of like dancing and fireworks at the superbowl.

[Luvin' Labs]

Care credit is just like it sounds. It's a credit card for pet dr visits, emergencies etc. If you don't have the cash up front, use the card and pay over time. If I remember correctly, so many days are as good as cash with no interest. I may be wrong though.

[Duck cutter]

saw Glenn's response after I posted

Thanks

[wcrites307]

I have all mine on Pets Best health insurance. 250 deductible and 80% co-insurance. My 4 year old boykin is 37 dollars a month. They swallow one sock and that will cost you 3 grand . My setter got ripped up on a fence several years ago, on Christmas eve. Emergency vet only thing open. 2,500 dollars later, Pets Best paid 1800 of the bill direct deposit into my checking account in 3 days.

[Glenn]

You're right. Depending on how much the invoice is you get either 3, 6 or 12 months no interest to pay it off.

Insurance is a scam. Save for emergencies and use CC.

[SaltMuck]

A friend had $10k on a coonhound that dropped dead during a trial and collected after it had a heart attack or some such running said coon.

[Duck cutter]

what would be the advantage of care credit over a regular credit card? ( other than so many days same as cash)

[Sportin' Woodies]

I got insurance. It's called "ballpeen hammer time". The spokesman is not, however, mc hammer.

[Gut_Pile]

I got insurance. It's called "ballpeen hammer time". The spokesman is not, however, mc hammer.

Mergie the spokesman?

[SC quacker2]

It's amazing how much a vet will come off the price when you say "That's too much. Just put her down."

[Glenn]

It's amazing how much a vet will come off the price when you say "That's too much. Just put her down."

I can promise you that although I love what I do and love being able to help when I am able, my prices and recommendations are not based on emotion. All we can do is tell you what is wrong and what needs to be done. At the end of the day it's your pet and you make the call.

[Islandguy85]

I can promise you that although I love what I do and love being able to help when I am able, my prices and recommendations are not based on emotion. All we can do is tell you what is wrong and what needs to be done. At the end of the day it's your pet and you make the call.

I have yet to see a vet come off of pricing much, and rightfully so. The cost is the cost. Most vets are not getting rich.
I get more aggravated when breaks are given to people just because they "cant afford it." In that sense, I cant afford it either. No one made you get a pet. They are a luxury expense, if you cant afford one don't get one. Why cut a break to someone who is clearly not going to bring you much business when you have plenty of clients that pay without batting an eye and will continue to do so? If you decide to take a living creatures life in as a pet, your property, or whatever you call it, you have an obligation to take care of it. If you don't want to take care of it, don't get it. Pretty simple, but if you work in a vet clinic and tell a client the above information you are basically going to hell . I know I am off topic, I apologize.
Glenn, to your point of saving month to month, I reckon that would work just the same if you actually did it. You haven't had any cases where you thought insurance should have covered and didn't have you? That was more along the "scam" lines I was thinking. I think Care credit is a great option for 0% APR loan basically (different terms depending on situation). The problem being the people who often want/need the CC are denied for various reasons.


Sent from my iPhone using Tapatalk

[Glenn]

Glenn, to your point of saving month to month, I reckon that would work just the same if you actually did it. You haven't had any cases where you thought insurance should have covered and didn't have you? That was more along the "scam" lines I was thinking. I think Care credit is a great option for 0% APR loan basically (different terms depending on situation). The problem being the people who often want/need the CC are denied for various reasons.


Sent from my iPhone using Tapatalk

Eh. Scam isn't the right word. I used that for toofers sake as that is one of his catch phrases. The only time I have ever seen insurance not pay is when a client applied for insurance on one of their pets and lied on the application and then asked me to lie on the date of diagnosis for a long term to life time condition. They lied and I didn't and the insurance company denied their claim and dropped them completely.

We're fortunate in that we don't deal with the insurance companies. You pay me and they then reimburse you. So if there are nightmare or horror stories out there then they exist on the road between client and carrier and I don't have to deal with it. So my original point is you are going to have to come out of pocket for it initially anyway or put it on a credit card. And for those that put it on a credit card I'd be willing to bet most take that reimbursement money and spend it on luxury non essentials rather than paying it on the card. But that's just an assumption based on common human nature.

We do zero billing for goods and services here. Over the course of 30+ years in this business I've heard every sob story imaginable. I used to give people the benefit of the doubt until a sweet little old blue haired self proclaimed christian grandmother stiffed me for over $400 and when I called her she told me, and I quote "You need to fuck off and leave me alone!" I hung up the phone and wrote her bill off as a charitable donation and vowed then and there I had been taken advantage of for the last time. You can bring in all the crying kids, four bibles and three sets of grand parents and the rules still apply; "no ticket, no laundry."