Safeguard Launches Spin To Win

What a great idea, I have been wanting to warn job seekers about Findata Financial Services, also known as Finsolnet. Findata makes allot of promises, and never ever delivers. They try to keep you in the company by promising more responsibility, higher pay, funny and pyramid type commission structures (you pull on the short end) and client service means nothing for them, taking client money without providing service they do that gladly. Please job seekers, stay away from Findata financial services.

FYI, all:

I did some research to see if pet insurance has become any more affordable and widely useful than it was when I first checked it out.

As I-Chant said, it's reasonable for some – but it's prohibitively expensive for too many people.

Animals cost a lot of money, and caring for them properly requires a significant financial commitment – and, it is also true that there are a lot of people financially exploiting our love for our animals and making it much harder than it used to be to care for them well.

Some vets will still do payment plans, but very few.

A savings account is still the least exploitable way to build up a stockpile of money in case of veterinary emergency.

Vet charges vary HUGELY.

So for those of us who struggle financially from month to month, some thoughts:

Here's an estimated quote for pet insurance for an 8 year old, neutered, mixed breed dog (I used Gilly for a model – I'm sure mileage would vary, though I don't know by how much).:

29$/mo for accident and illness coverage, with a 500$ deductible, a 5,000$/year maximum benefit, and a 20% co-pay
350$/yr to the insurance company regardless of usage, plus 20% per visit)

46$/mo for the same coverage with a 200$ deductible and a $10,000/year maximum benefit
550$/yr to the insurance company regardless of usage, plus 20% per visit)

85$/mo for accident, illness, dental, prescription, and wellness coverage with a 200$ deductible, a $10,000/yr max. benefit, and a 10% co-pay
1,020$/yr to the insurance company regardless of usage, plus 10% per visit)

To put it in context: if nothing out of the ordinary happens to Gilly, at my great and inexpensive vet in New Hampshire I will pay about 50-75$ a year for his check up and vaccinations (I know, that is amazingly inexpensive: the office visit is about 30$ and the vaccines themselves run very cheap – he is committed to affordable care).

In the Five College area of Massachusetts, I can expect to double – or even triple, depending on where I go – that cost.

Dental care adds a lot to that figure, and different vets have widely varying recommendations about what to do and how often (including widely varying perspectives on anesthesia risks vs. benefits of professional cleanings).

In a year when Gilly requires a couple of emergency procedures (like the eye surgery for a scratched cornea, and the follow-up treatment) I might pass the deductible of 500$ and be able to start getting something out of the insurance.

If I took him to one of the more local vets who charge at least double what my New Hampshire guy does (and who pressure every client to do every conceivable test and procedure and supplement and grooming and and and – ie: boutique-style vet care vs. only what is generally agreed upon as being what is truly necessary for the animal's health), I'd probably pass the deductibles in one visit and this kind of pet insurance might actually save me money.

So for someone who can afford the monthly payments and doesn't have access to truly affordable vet care, and/or for someone who is of the more-is-more school in terms of how many visits & procedures they want their animal to have, it might be great.

One catastrophic accident would make the insurance worthwhile for that year.

My impression is that you have to pre-pay all of this then get reimbursed, though, so you still have to have the cash on hand or put it on credit. A word about credit: if you're a conscientious credit objector like me, or if – like millions of other Americans at this point, so there's truly no shame in it – you have no or poor credit because of foreclosure, student loans, or whatever other circumstance, you're out of luck and have to have the cash.

Emergency hospitals will turn you and your dying animal away if you can't prove ability to pay prior to treatment. At this point I don't know of a single one that doesn't do this: there is no financial assistance or qualifying for free care or other equivalents to human hospital care (not that hospitals truly make this available to many people anyway).

If I needed to do chemotherapy for a dog or cat, or some other regular and extremely expensive treatment by a veterinary specialist, the insurance would be a huge and instant help – and in fact would probably be the only way I could do it. Keep in mind, they don't cover pre-existing conditions so I would have to have been paying for the insurance already when the animal got diagnosed with whatever ongoing health problem.

If anyone knows of vet care assistance resources other than credit or insurance of this kind, I'm sure readers would be glad to know of it!

The one thing I can say is that there are almost always discount (or free) spay/neuter clinics to be found (call your local shelter or rescue org), and sometimes counties and towns will also do discount or free rabies vaccinations.

It can't hurt, too, to speak with your vet (in advance of needing it!) about a payment plan, pre-paying an in-case-of-emergency-fund into your account, or other creative solutions to serve as back up in a worst case scenario.

* * *

Particularly when there are so many millions of animals in need of loving homes, I would like to see anyone who can afford to feed and shelter an animal be able to access some kind of help in medical bills for that animal.

I don't feel we have the luxury of simply shrugging and saying 'well if you can't afford several thousand dollars a year, you shouldn't have an animal.'

In my perfect world, I imagine a couple of things (and I'm sure there are many other possible solutions) -

Vets donating (rotating) single days per month of free care for low-income owners at some central (or rotating) vet office/animal hospital location. Many human doctors do it: vets could too.

People who can afford it paying their vet extra at each visit (even doing a round-up to the nearest dollar!), and the vets putting this money into an emergency assistance fund for clients of lesser means. Same thing at emergency hospitals.

Other ideas?

For real… a lot of 3s… FAT..LOWFAT and NON FAT…FIRST BUSINESS and ECONOMY…HARRY RON and HERMIONE… wow

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