Well.... I just got the "benefit check" (a greater oxymoron I can't think of at the moment) for Kelso's recent hospitalization. The total bill was about $3200. The "benefit" was $322. I kid you not. They paid TEN PERCENT of the bill.
So, for those of you wondering whether pet insurance is worth it, and I even get a discount on my premiums through my company, my answer would be a resounding NO. I'd be better off throwing $100 a month into a medical fund for Kelso and using that when he has vet bills.
I'll be cancelling my policy on the next business day.
Grrr.
Update: When I examined the EOB, it showed that the treatment for "soft tissue trauma" cost $2900 and change, and for that item I was reimbursed $95. Seriously. So I called VPI and she said that the description wasn't detailed enough and that the vet should fax all of the treatment records. If it shows that Kelso has "disc disease" they will pay more. How the hell is anyone supposed to know that?
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