The Benefit Coordinators offer a pet discount plan. This plan is considered America’s Veterinary Discount Plan. Simply show your pet discount card and the participating veterinary staff will reduce your entire medical services bill, no questions asked!
Why use a pet discount plan instead of a pet insurance policy? This is a great question, for most pet discount families, a pet discount saves much more than it costs. As stated by Consumer Reports, the lifetime cost of a pet insurance policy is typically much higher than what the policy pays out to the pet owner.
Premiums – Insurance premiums are typically $400 – $1200 per year for each pet. Our pet discount plan is less than $2.50 per week for all pet in the home.
Deductibles – Most pet insurance plans have deductibles of $100 – $500. That means that you would need to pay the amount of your deductible before insurance would start to pay for your coverage. With our pet discount plan, you get savings from your first visit and on every visit; there is no deductible.
Pre-existing conditions – If an insurance company decides that your pet contracted an illness or condition before you purchased the policy, they deem it “pre-existing” and will not reimburse you for the associated costs. In addition, even if your pet develops a condition after you purchase the policy, the insurance company may refuse to renew the policy after the policy expires at the end of its year. Our pet discount plan covers pre-existing conditions, without exceptions.
Waiting Period – Most insurance plans have a 7-day to 30-day waiting period during which any illness is not covered, and particular illnesses and conditions can have much longer waiting periods. If your pet contracts an illness during the waiting period, it will not qualify for insurance coverage and, now that the illness is a “pre-existing condition,” the illness will not be covered even after the waiting period. When you enroll in our pet discount plan, you will get an email with a link to print a card that you can use immediately – no waiting period!
Exclusions – Insurance policies can have as many as 200 exclusions for illnesses common to the breed, hereditary conditions, etc. Many pet owners have discovered, after paying insurance premiums for years, that their first big claim is being denied because it “is inherent or prevalent in the breed.”
Wellness Visits – Most pet insurance plans either don’t cover wellness visits or cover it only if you buy an extra insurance rider. Wellness visits are included in the standard pet discount policy.
Payout Limits – Insurance policies usually have pre-defined payouts for common ailments, plus they have yearly and lifetime payout limits. Our pet discount plan usage is unlimited, you can use it as many times as you need to, regardless of the treatment costs.
Claim forms – With insurance, you first need to pay your vet in full, then file the claim with insurance, and then wait to be reimbursed. With our pet discount plan, the veterinarian provides the discount right at the time of service!
For more information about federal short term disability click on the link.
Did You Know?
The Benefit Coordinators pet discount plans includes all pets in a household for one price.
No pet can be declined.
Pet discount plans are payroll deductible.