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There is a reason these companies make money. For instance I expect you would be *required* under a policy to have a yearly health check at *your own* expense. Then, if there is a health issue, there is a significant deductable that must be paid. If you are diciplined enough to take the monthly fee they would charge and put it in a bank account as a "parrot safety fund" then you would - in the long run - most likely come out ahead. It is amazing how much money accumulates at $20 per month or so over a few years... |
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VPI is a decent program, actually, and as soon as Kit is eligible I'm going to get it for her (bird must be 3 months old and in your care for 3 months). If your bird never gets *really* ill then yes, putting away $20 a month is the better option.
VPI has their standard program, which is about $15 a month. For another $99 for the year you can add coverage of the well-bird exam (CBC, bloodwork, fecal, office visit, etc), which is actually cheaper than most well-bird exams. With VPI, you pay the vet then bill the insurance, and they send you a check for the alloted coverage amount. So if your bird gets *really* sick and requires emergency care, overnight care, hospitalization for a few days, etc. then the VPI insurance can pay for itself very quickly. Since I had a very sick bird for a very long time, insurance appeals to me a lot for Kit. :)
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Kitsune - The Most Wonderful GCC Ever. Except for Olive. And Rayne.... and Gari, Bee, Squibly, Cookie, and Zoey. And.. more to be edited in as I recall their names! |
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damn, luck you!
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Cheers, RXK |
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Certainly! The annoying thing with VPI is they don't post their bird policies on their website like the cat and dog ones. When I get mine (not eligible until Nov 24) I'll post the details on the board so we can all see the fine print.
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Kitsune - The Most Wonderful GCC Ever. Except for Olive. And Rayne.... and Gari, Bee, Squibly, Cookie, and Zoey. And.. more to be edited in as I recall their names! |
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