What is best pet insurance 4
THE BEST Pet Insurance for Dogs and Cats
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hey guys
it's dr. Jesse Dreyfuss in case you
don't know me I'm a holistic
veterinarian welcome to my YouTube sites
I am a little different than most
veterinarians you've met I went to vet
school and then I was a bit of a nerd I
continued on to do an internship and
then I kept going to get certifications
and and training in the holistic side of
veterinary medicine so this means I
specialize in acupuncture laser therapy
herbal therapy and physical therapy for
pets today I kind of want to talk to you
about a topic near and dear to my heart
pet insurance so know no one really
talks about pet insurance too much these
days only about 1% of the population has
pet insurance for their pets which is
really really sad because I personally
feel it's such a great thing
disclaimer Here I am NOT getting paid to
talk about it I don't have any type of
personal association with any pet
storage company
I personally used your opinion pet
insurance which I love for my pets and
I've had great experiences with but
there are a lot of pet insurance
companies out there and so we're gonna
kind of talk about how to finagle
through all of that fun stuff and help
you make the best pet insurance choice
for your pets so how it does pet
insurance work I get that question a lot
pet insurance companies for the most
part have kind of the same pillars so
we'll go through those pillars first for
me I pay a monthly premium so that's the
amount I pay the pet insurance companies
to cover my pets I determine that
premium by what I said is my deductible
the deductible is the amount over which
the pet insurance will step in and start
covering your pet so for one of my pets
I'll pay XYZ premium per month if I
spend five hundred dollars in x-rays and
like that then after $250 deductible the
pet insurance company will step in and
cover anything after 250 so they'll
cover that extra 250 for that deductible
which is great one of the most important
things of this video that I want
everyone to understand is what every
amber Smith model means right so
reimbursement model is what pet
insurance model is so it's not like
human health care insurance where you go
see your doctor you got whatever done
and then they bill you after they talk
to their pet their health insurance
sorry that's not how this works so when
you go to your veterinarian you're going
to pay out of pocket even when your pets
a pet insurance then you're gonna send
in the doctor's notes you're gonna send
in probably a form from your pet
insurance companies saying your pet name
their policy number all that fun stuff
then the pensioners company is gonna
evaluate and then send you a check in
the mail or reimburse you this is very
different and really important for you
to understand so reimbursement model
means that you're still gonna pay out of
pocket for that pet and then get
reimbursed later on one question I had
is okay when do I get that check in the
mail I know for me for sure Canyon I'll
get it in about two to three weeks maybe
four weeks if there's they're super busy
it just depends I'll give them a call
usually to check in and I encourage you
to do so but I tend to get it pretty
pretty timely which makes me very very
happy as a multiple pet owner another
question I get is how much do I get back
you know I spent this much I pay for pet
insurance what are they what are they
doing
I picked a plan that gives me 90%
coverage back so I will get 90% of what
I spend of that deductible back to me
which I left so what are my top factors
for evaluating a pet insurance company
or what I would I look for when I'm
really picky
a plan for my pet and you know take this
as my guidelines but of course every pet
is different and your needs are
different from one person to the next
the number one thing I look for is no
caps per year so meaning if my dog gets
hit by a car and I know it's going to be
incredibly expensive because as a vet I
know too much I don't want to find out
that I have a $5,000 cap per year and
that's it the pet insurance will cover
anything after that I want no caps for
the lifetime of my pet that may mean
that I have to spend more in my monthly
premium but it's worth it to me to never
have to say no because my pet insurance
cats the other thing is no exclusions of
breed specific conditions I really don't
like that I you never really know what
you're gonna get with a pet and I don't
like those type of exclusions the third
thing is obviously near and dear to me
is coverage for complementary care so as
a holistic veterinarian
I would rather reach for an herbal
therapy then a Western drug if I can and
I want it to be covered so I always make
sure that my pet insurance plan has that
finally I want a fast claims payout
process because I know that I need that
money and I'm unit now and so I want to
make sure that whatever pet insurance
company I pick will tell me look you're
going to get your money in two to three
weeks no longer if there's an issue
we're going to contact you and we're
gonna make it wait so those are the top
things I look for when picking out a pet
it's coming another thing I want to go
through is pre-existing conditions so
pre-existing conditions are one of the
main reasons I really really want
everyone to get pet insurance as soon as
they get their pet you know if if you
bring your pet in and it comes in for
let's say a coffee and then you decide
to get pet insurance after that's a
pre-existing condition so anything
related to that will not be covered if
you get pet insurance as soon as you get
that puppy or kitten guess what there's
probably very few of no pre-existing
conditions because they're young and
healthy and so everything in the future
is going to be covered so that's why
when you get that pet you get that
health insurance and then your your kind
of worries go away because you're
covered it's awesome
so one question I get a lot on this
topic is as pet insurance would worth it
so I have all my pets on pet insurance I
will not get a pet without Penn
Insurance and I'm a veterinarian so I
know exactly what things cost down to
the penny so I think it's worth it for
my old heart dog Duke that's what I call
him because I really feel like we were
connected at the soul level
I got him pet insurance at the age of 11
that's when I really learned about it in
veterinary school and I am so glad I did
I spent so much money on ultrasounds and
x-rays and tests and medications in vet
school and I couldn't have done it
without pet insurance I would have been
very financially strained if I hadn't
had pet insurance to kind of reimburse
that money so that he could care for him
so for me pet insurance kind of keeps me
that ease of mind because I know it's
there and if I need to reach for it for
any reason I can I I never have to say
no to something for my pet because I
have pet insurance and so that's that's
that's why I love it one thing I wanted
to do was show you on my computer how
you can go to pet insurance review.com
and take a look at the different
policies that people have reviewed and
this is from actual people who have them
not from veterinarians or pad insurance
companies it's it's something I direct
all my clients towards so this is the
website I told you guys about it is pet
insurance review.com it's written by pet
parents who have the actual policies so
I love it
it's a really good place to start don't
get overwhelmed by the number of pet
insurance companies you will figure this
out I have no doubt and then after that
I recommend calling the individual
companies when you've narrowed it down
to ask them specific questions like I
highlighted earlier in the video I wish
you luck and be sure to check in to our
YouTube site and holistic veterinary
Institute com for our new blogs and
videos as well as courses have a great
day
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