Pet Health Insurance: Figo vs Pets Best and a Referral

You guys!

I think MomFOD is up to something. She took out a policy, on each of us. It covers “accidents.” I’m concerned. Send help.

– Mrs. Peabody

Alright, let’s stop right there. Mrs. P, you are correct, to an extent. Yes, I did take out a policy on each of you. And yes, it does cover “accidents,” but those are real accidents, like if you slip off the back of the toilet and sprain your little tortie paw. Or if Louie, in all of his brazen clumsiness, tries to follow Pinkle up into her nook and crashes back down to the earth on a day where I am not there to catch him. I decided that, with six pets, it was time to stop playing the odds game and minimize some risk in my life. I decided to get health insurance for all of you.

If you, reader, are considering getting health insurance for your pets, perhaps I can answer a few questions for you. In my case, I have six animals, ages 2 through 18. One of them is going to malfunction, there’s just no way around the odds. For the longest time, I thought it was going to be too expensive to insure everyone. I contemplated not insuring Niles at age 18, thinking he might even be rejected by the companies, but after some in-depth research, I found a solution to my needs. (Also, my heart just wouldn’t let me exclude him. He’s still good!)

Niles. Still good.

I have managed to insure all of my lovies for approximately $80 a month. It’s more than my cell phone bill but less than my heat in the winter. Running the numbers, yes I could save $80 a month for pet emergencies (and I do, as a matter of course) but after one year, that will only amount to $1,000, which could be wiped out with one swift poke in the eye (The Epic Battle of Niles and Rocky, 2013.) 

The solution for me was to find not one but TWO insurance companies, one that my research told me was best for insuring younger cats (PetsBest) and another that was cheapest for insuring older pets with no age limit (Figo.) I also only chose from companies that were consistently rated in the top 10 and came recommended by my vet. I also got complete quotes from roughly six companies. After much consideration, I have my three youngest with PetsBest and my three oldest with Figo. Here is my impression thus far of both of them:

Ease of sign up: Pets Best, hands down. They do not require any health check ups in order to sign up or file for services if illness or accident occurs. Figo requires your pet have had an checkup within the last 12 months OR whatever your next claim is will be considered a pre-existing condition. Not ideal, especially when you have three healthy cats whose 12-month checkups were 12-months and 3 weeks ago.

Payment: Pets Best, again, paws down. They allowed me to choose from monthly, quarterly, semi-annual, or annual payment options. There is a $2 fee per payment, so you can save $24 per year by paying annually.

Figo did NOT have a smooth payment system. I was allowed either monthly or annually, nothing in between. In addition, they charge each pet as a separate charge, so they wanted a $2 fee PER PET per month to use a credit card, which meant I had to give them my bank account information. If their rates hadn’t been so low, I might have reconsidered based on that alone.

Use in emergencies: Figo wins here. They claim that if your pet REQUIRES a life-saving, emergency treatment, they will waive the deductible and co-pay. I hope to never have to test this.

Waiting period:  Tie. Both companies have a 14-day waiting period for illnesses and 5-day for accidents. Accidents caused by human cruelty are not covered by either, and we certainly hope that no one would ever, ever do that.

Pre-Existing Conditions: Neither will cover these. In fact, no pet insurance company covers these and likely won’t unless Obama steps in again, cod willing. If your pet already has a health record with a pre-existing illness on it, it will not be covered going further.

Best for young cats: Pets Best. I was able to insure three cats under age 4 for about $10 per month with a $1000 deductible and 90% coverage.

Best for older pets, including dogs: Figo. I was able to insure three pets, ages 12 through 18, for roughly $15 each per month with a $1000 deductible and 70% coverage.

Yes, my deductibles are high. I decided that, in order to strategically minimize risk, I would put aside a $1000 emergency fund and have the insurance to cover between 70%-90% of anything above that. If someone swallows a sock, it won’t bankrupt me and I won’t have to skimp on care for the loves of my life.

YOU may only have one pet and want something more substantial for coverage. These and other companies will include exam fees and even wellness care, but I didn’t find that to be cost-effective in my case. If you want a full package with a $200 deductible per year and high coverage co-insurance, it’ll probably run you somewhere around $40 per pet per month for a middle-aged pet. Each company has different rates.

Let me know if you have questions and feel free to post your experience with pet health insurance in the comments!

And, if you are interested in Pets Best, they gave me a referral code and said I was free to post it on my blog. If you decide to sign up, we’d be pleased and grateful if you would use our code. It’ll get us a $25 Amazon gift card so I can afford to bubble wrap everything in the house to keep Louie from having to use the insurance.

Love,

Alana.

 

**FTC DISCLAIMER:  This is not a sponsored post. I was given no financial compensation and these opinions are my own. If you use the referral link and sign up for a policy with Pets Best, I will get a $25 gift certificate to Amazon.**

PetBox, As Reviewed by the Kitties of Chicago Cat Rescue

You guys!

Another PetBox arrived in the mail. We got super excited to sample it:

Louie inspects the goods.

Louie inspects the goods.

But then, MomFOD told us that she was taking this box off to Chicago Cat Rescue to be enjoyed by the homeless kitties.

I contemplate all the things that were not meant to be mine.

I contemplate all the things that were not meant for me.

And so, today I introduce to you three testers from Chicago Cat Rescue who will be showing you the contents of the box and letting you know if they give it a STUMPS UP or a STUMPS DOWN.

And now for our testers!

We have the handsome Scooby, his brother Rugby, and the effervescent Mowgli. (click their names for their petfinder profiles and adoption information.)

First, the introduction:

We had some Wellness Kittles treats, a Yeowww! catnip heart, a wobble nip mouse, a sample of Royal Canin food, a door-hanging scratcher, and a gigantic bag of catnip. Perhaps, dear readers, you can surmise where this is going.

Rugby sneaks up on the box.

Rugby sneaks up on the box.

 

Mogly spies the Yeoww catnip heart.

Mowgli spies the Yeoww catnip heart.

While Mowgli runs off with the heart, Rugby tastes the Kittles treats.

"Like nothing I've ever tasted before!"

“A gift from heaven!”

While everyone was distracted with Scooby’s proclamations of love for his treats, Mowgli absconded with the ENTIRE bag of catnip.

Mogly absconds with the whole bag of catnip.

Mogly absconds with the whole bag of catnip.

After a run in with his nails and clouds of catnip dust in the air, the bag was retrieved and the people replaced his catnip with a bag of treats. He was confused for a moment, but then didn’t seem to care.

"I am SO hungry right now." - Mogly

“I am SO hungry right now.” – Mowgli

And while this was all going on, Rugby decided to sniff his brother’s rear end. How charming.

Anyways....

Anyways….

The verdict on the PetBox?

Magnifique!

Magnifique!

And those were some of the kitties at Chicago Cat Rescue, testing out the box. They are ALL available for adoption and would love to meet you!

Highlight: PetBox donates a meal to a homeless pet each time a box is sold. Hurray! The #PetBoxFridays program allows PetBox’s social media community to nominate shelters and rescues to receive that week’s shipment of food and supplies.  So get to nominating!

Crepes Coupon: My readers here are privy to a coupon! If you want to try a PetBox, use the code “CATINTHEFRIDGE” to get 20% off. Apparently, this gives me a little affiliate bonus.

Love,

Crepes.

 

**Disclosure: We were given a free PetBox to try out as compensation for this post as well as a small fee to cover time and expenses to travel to the rescue. We do also receive an affiliate commission if you purchase a box using our coupon code.  Rest assured, we wouldn’t show you a product we thought was nonsense. All ideas and opinions are our own.**

 

The aftermath: ccrpetbox9

A Happy Habitat Cat Tent for Summer!

You Guys!

So, you know how I like to garden. Well, MomFOD thought it would be nice for Mrs. Peabody to be able to enjoy the spoils of my labor by camping out in my kingdom. I thought she should take a hike, instead.

So, MomFOD contacted ABO Gear, a place that does camping equipment and other goodies for people and pets, and asked if she could have a Happy Habitat tent for us to review. They were thrilled to oblige and have since sent us this little piece of camping equipment for our safe viewing of the balcony. Have a look:

We three campers inside our safety dome.

We three campers inside our Crepes Containment System (Happy Habitat), erected in Anno Domani MMXIV

There you’ll see Doodle on the left, wondering why she’s in the tent. There you see me in the center, perfectly framed by the sliding zip door. To the right, Peabody. We also have two other testers who were napping during this photo session, but who will likely try out the tent soon.

Ease of Use: It’s SUPER easy to set up. Easier even than people tents MomFOD has used. You pull it out of the bag, pull the strings, and POP! Set up. Voila. You want to take it down? Pull the tabs and POP! It’s down. It folds into a bag and takes up about as much space as two umbrellas.

The Crepes Containment System before it was erected

The Crepes Containment System before it was erected

Why: An outdoor tent provides indoor kitties with a safe place to lounge and enjoy the smells and fresh air without fear of being lost. It’s also a great idea for special needs cats and pups who like to be outside but need a little extra protection.

Safety: The mesh netting seems quite strong. I personally tested it with my claws and did not leave a mark. MomFOD also tried purposely to rip it with her hands and could not. The netting goes all the way around, including on the floor, so there’s no way out. Do you hear me, cats? NO WAY OUT.

Other thoughts: It does not have much shade, so if you’re going to let someone lounge in it, put it in a shady place for comfort. If the thirty square feet of space isn’t enough, you can purchase an optional Fun Tunnel or Crazy Maze that attaches to the door. The door is a little small for people, but MomFOD managed to make it inside, save for a small snag on her hips (if she’d share her food with me, maybe she’d fit through the door better), and had a little nap with us outside. It also comes with tent pegs, in case you want to stake it down in the dirt. Or for vampires.

Verdict: MomFOD loves this tent. I feel that it’s a violation of my freedoms, personally, but Peabody needs it and seems to like it.  I like how the perfect circle of the door frames my face. Look:

Like a portrait of greatness.

Like a portrait of greatness.

We looked high and low for a tent that would suit our needs and thought this one was totally the way to go!

The Offer: We know some of you are looking for little tents to let your kitties play outside! We’ve been given the clearance for a 15% off coupon plus free shipping if you order a Happy Habitat directly from ABO Gear! Email tammy@abogear.com and mention the secret word “TENT.” So covert, right? (You could shop around and look for sales, but then you wouldn’t be all spy tent.)

Love,

Crepes.

PS. Don’t leave your kitties or pups unattended in the tent. Nails can get snagged and sunshine and heat can be dangerous.

**Disclaimer: We provided this post in exchange for a tent we were planning to purchase anyway. All opinions are our own. We make no profits if you choose to purchase this tent using the discount code provided.**