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  #11  
Old 11-30-2012, 10:46 PM
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Southpaw Southpaw is offline
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Originally Posted by JustaLilBitaLuck View Post
I've looked into it multiple times, and it just isn't worth it to me. I looked into three or four plans, and did the math, and I wasn't saving a whole lot, especially since some plans don't cover preventative, others have really high deductibles, etc. So, instead I set up a savings account for veterinary bills, and I use my CareCredit to the best of it's advantage. I have ways of paying for an emergency, and I would much rather have those measures in place rather than pay a lump sum every month just in case an emergency may happen.

Megan - Do you know if Trupanion won't take any new pets that are over 13? Or does the policy exclude pets over 13 entirely? Like, if I enrolled my 11-year old cat now, will she still be covered in three years when she's 14? Or does it "cut off", so to speak?
This is how I look at it too. I'd rather just put money away in a vet fund. If my pets never need it, awesome, I'm not losing anything; but it's always there if I do need it.

I need to look more into CareCredit, it just always confuses me lol. As it is right now, I could afford an emergency, but I'd like to have some backup - my credit card limit is only $500 (which most of the time, is a good thing lol) so that would probably not be very helpful if I needed it.
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  #12  
Old 11-30-2012, 10:55 PM
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JustaLilBitaLuck JustaLilBitaLuck is offline
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Originally Posted by Southpaw View Post

I need to look more into CareCredit, it just always confuses me lol. As it is right now, I could afford an emergency, but I'd like to have some backup - my credit card limit is only $500 (which most of the time, is a good thing lol) so that would probably not be very helpful if I needed it.
Once you have a CareCredit card, you can use it for medical charges anywhere that it's accepted. Once you make a charge, you have anywheres from between 6 and 24 months to pay it off (I believe it depends on the amount that was charged), without interest. You do have to make the minimum monthly payment, but its fairly low. On your statement, it will say the date you made the charge, the total amount of the charge, how much you have left to pay, and the date that you have to pay it off by. Payments always go towards the oldest charge first.

As far as credit limits go, I would still apply. My CareCredit card has a higher limit than any of my regular credit cards - it was much higher than I thought I would get.
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  #13  
Old 11-30-2012, 10:59 PM
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Can you just apply for a Care Credit card online?
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*All Siri's rally/obedience titles are to be considered handled by Megan,
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  #14  
Old 11-30-2012, 11:00 PM
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Yeppers!
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  #15  
Old 11-30-2012, 11:02 PM
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I should probably do that. But I'll be sad if they say I can't have one.

Also, do you know if Lake Harriet takes CareCredit? Either of you? lol
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Ado's Gimme Victory RL1* "Siri"
1.5 year old Jack Russell Terrier
Gimme Drugs Not Hugs RL1 "Frodo"
8 year old Pembroke Welsh Corgi


*All Siri's rally/obedience titles are to be considered handled by Megan,
because ain't nobody (read: me) got time or skills fo' dat.
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  #16  
Old 11-30-2012, 11:04 PM
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I do not know...

But their website says yes!

http://lakeharrietvet.com/resources.html
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To Infinity and Beyond! ARCH URO1 UCD Buzz NAC NCC S-NJC O-TN-N TG-N WV-N RL2 RLVX RN ThD CGC 5/4/1998-5/20/2014
The Hallway Monitor Bailey VCD1 RE NAC NCC TN-N CGC 14 years
Puzzle Piece Gabby RLV 8 years
ESRA foster Diego 12 years
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  #17  
Old 11-30-2012, 11:11 PM
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Quote:
Originally Posted by PWCorgi View Post
Can you just apply for a Care Credit card online?
Yep! www.carecredit.com

Quote:
Originally Posted by PWCorgi View Post
I should probably do that. But I'll be sad if they say I can't have one.

Also, do you know if Lake Harriet takes CareCredit? Either of you? lol
Yes, Lake Harriet does take CareCredit, I've used it. As far as not getting one, I applied shortly after I turned 18, and I had pretty much non-existant credit. I still got approved!
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  #18  
Old 11-30-2012, 11:12 PM
SizzleDog SizzleDog is offline
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I've looked into it several times.... but what I've settled on is just sending my vet money every month to add credit to my account. That way I know every penny of what I spend on "insurance" will go towards caring for my pets. It's a large practice, and I don't intend to switch for a loooong time.
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  #19  
Old 11-30-2012, 11:14 PM
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Quote:
Originally Posted by JustaLilBitaLuck View Post
(I believe it depends on the amount that was charged)
I thought that too but where Bailey had her leg surgery, the longest they had was 6 months... for any amount. At the clinic I used to work at, it was up to 18 months based on dollar amount. I only had six months for Bailey's veterinary behavior appointment (less than $500) at the University, so I don't know how long theirs can be for.
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To Infinity and Beyond! ARCH URO1 UCD Buzz NAC NCC S-NJC O-TN-N TG-N WV-N RL2 RLVX RN ThD CGC 5/4/1998-5/20/2014
The Hallway Monitor Bailey VCD1 RE NAC NCC TN-N CGC 14 years
Puzzle Piece Gabby RLV 8 years
ESRA foster Diego 12 years
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  #20  
Old 11-30-2012, 11:16 PM
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But I'm scared. This is too much like signing up for a Credit Card, lol.
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Ado's Gimme Victory RL1* "Siri"
1.5 year old Jack Russell Terrier
Gimme Drugs Not Hugs RL1 "Frodo"
8 year old Pembroke Welsh Corgi


*All Siri's rally/obedience titles are to be considered handled by Megan,
because ain't nobody (read: me) got time or skills fo' dat.
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