For lots of baseball fans the words "wait til next year" bespeak the eternal optimism of the fan. We may have lost out this year but we'll get em next year for sure. Readers that live in Chicago and follow the Cubs learn this phrase shortly after they mutter "mama and dada."
Other fans, myself included, that lose out in the playoffs, prefer something like, "We was robbed!" to convey our sense of loss. For us, "We was robbed," is invariably followed by, "Just wait til next year."
I'm over this baseball season and it wasn't my intention to do a baseball post on a pet insurance blog, but these two baseball euphemisms could be germane to our favorite topic. Just one more reason to know what's in your policy.
When we buy pet insurance we buy it to protect the health of our pets and we assume that it will protect us as long as we pay the premiums. We assume that if our pet develops a health problem like diabetes or chronic renal failure or any number of other conditions that can persist for the life of the pet, that the insurance will be there for us as long as we need it. Believe it or not, it ain't necessarily so.
There are pet insurance companies that will provide coverage for your pet's chronic illness in the year it's diagnosed and not cover it in subsequent years, even if you renew your policy. With these policies this year's chronic condition becomes next year's pre-existing condition. Would you renew your home owner's policy that covered your fire damage this year if they refused to cover fire damage in subsequent years?
Frankly, I don't understand this.
My assumption is that this is a way to offer a lower monthly premium because the insurer is protected from ongoing loss. But, is that really a good value? You can buy additional insurance from these outfits that will provide ongoing coverage for an additional charge, but I don't really get that, either. It's kind of like saying you better buy some insurance on that insurance you just bought.
With PurinaCare® you are covered for the life of the pet as long as you keep your policy in force. If your cat develops chronic renal failure and lives another five years, you're covered. If your dog develops diabetes and lives another ten years, you're covered.
It's as simple as that, and isn't that why you buy pet insurance in the first place?
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