Questions regarding Pet Insurance
Hey everyone, I have some questions regarding pet insurance and how it works. I'm a total newbie when it comes to this kind of stuff. Here's my situation:
I have a 5 year old cat that I have had since he was 6 weeks. I got health insurance right when I adopted him from 24petwatch to cover up to $3k with a $250 deductible and 20% copay. 589
My monthly is $31 right now, it used to be like $22 when I first started. His current plan coverage is May 2023 to May 2024.
My cat had surgery 2 weeks ago after swallowing a ribbon and getting clogged with furballs. The first vet (vet 1) I brought him to for the emergency visit charged me $2500 over 2 nights and recommended that I transfer him to another bigger animal hospital for an ultrasound as they couldn't pinpoint the blockage. So I went to this other hospital (vet 2) and paid $7k for the ultrasound + surgery + 3 night hospitalization.
Regarding my claims, should I submit all the bills from vet 1 and 2 and then keep his current plan? I'm wondering if I should submit just the claims from vet 1 to not have my premiums skyrocket next year (I'm assuming they would skyrocket) if I were to claim a $7k surgery and only get $3k of it covered?
After filing the claims and maxing out the coverage for this current plan, is there an option to cancel and start a new plan? I'm not sure how all this works and if I can even do that.
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Thank you! 589