Questions to Ask When Considering Which Pet Health Insurance to Buy

We all love our pets and many consider their pets to be their furry children. When they get sick we want to be able to take care of them properly. With technological advances in veterinary medicine, much more is available now in both diagnostics and treatment. Procedures such as MRI's, CAT scans, chemotherapy, and radiation treatment are all common but they can be quite expensive. Many people are now considering pet health insurance to help with the costs. It is important to ask the correct questions when interviewing companies that offer this insurance, so you know what you're getting.

Pet health insurance is different from "human" health insurance in the way that with pets, the doctor is paid first and then the pet owner is reimbursed by the insurance company. There are several companies offering pet health insurance in the United States and they differ in their policies. Other companies offer pet insurance in other countries. Some companies offer different levels of care. There basic plans that cover accidents and illness, as well as premium plans that cover all aspects of health and wellness.

Most plans do not cover pre-existing illnesses, and this may be important in how other symptoms are covered by your plan. If your pet, for instance, has an ear infection in its history, ask if in the future the pet is diagnosed with an allergy, but with other symptoms, if that will be covered. An ear infection is often caused by an allergy. If your cat has been treated in the past for vomiting, and is later diagnosed with another disease that can cause vomiting such as IBD or kidney disease, will that be covered?

Another issue with the pre-existing clause is that it is important to ask if your pet is evaluated for coverage when first obtaining the insurance, or with each renewal. For instance, if after you get the insurance, it pays for treating your dog's ear infection, will another ear infection treatment be covered next year?

Many plans do not cover "genetic" diseases. With advances in DNA studies, veterinary medicine is discovering more and more diseases are genetic based. It is important to ask what diseases they consider to be genetic for the breed that you own.

Some policies cover only up to a certain age of your pet. Some do not cover prescription drugs or dental disease. Others have a yearly or lifetime dollar limit.

Most companies have a deductible and then pay a percentage of the bill, usually 80% to 90%. Some companies have a set dollar reimbursement for each problem or procedure.

Another consideration is whether to obtain a basic or premium plan. It is important to compare the costs of each option. In many cases, it may be more prudent to purchase the basic coverage.

A small percentage of pets are covered by health insurance at the present time but this is expected to change in the near future. More than 1600 companies, including Google and Office Depot, offer pet health insurance as an optional employee benefit.

RE-FUR-AL PROGRAM:

We do have a re-fur-al program for re-fur-ing friends & family. Discount varies by location.

Office Hours

Clifton Location

Monday:

Closed

Tuesday:

Closed

Wednesday:

Closed

Thursday:

9:00 am-5:00 pm

Friday:

9:00 am-5:00 pm

Saturday:

9:00 am-5:00 pm

Sunday:

Closed

Hoboken Location

Monday:

10:00 am-6:00 pm

Tuesday:

10:00 am-6:00 pm

Wednesday:

10:00 am-6:00 pm

Thursday:

Closed

Friday:

Closed

Saturday:

Closed

Sunday:

Closed

Location

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TESTIMONIALS

  • "Foofie Poochies is a excellent grooming salon. The shop is very clean, Dogs are well taken care of. I have been taking my dogs there for over 8 years. The owner makes sure all dogs are up to date on shots, is very comforting to your dog when it enters to take away any fears you or your pet has, this I have seen first hand many times. They will make you aware of anything they suspect on your pet. My dog had a tick once and the owner even gave me the tick in the bag in case I wanted to have it checked. I have recommended friends to Foofie Poochies because I feel they are a very good grooming salon and are knowledgeable in grooming any type of dog. Also, if your dog has a health issue, the owner is extremely considerate in working with your pet, I have a dog with a health issue and she watches my buddy very closely making sure he is ok. One thing, they do stress you honor your appointment or at least let them know in a timely manner if you have to cancel. I trust them completely!"
    Tawny K (August,2023)
  • "Best groomer in Hoboken! We have been taking our two maltipoos here since we moved to the area 6+ months ago and Doreen does such an amazing job with both of them! She is very patient with both as one gets nervous at the groomer and the other is full of high energy (and I imagine she is difficult to keep still for grooming). They always look so good and smell amazing after! Doreen is always so nice and happy to see our pups. They love her and the sweet treats she gives! She offers a lot of different services that are affordable and never has long booking waits. Highly recommend taking your dog here!"
    Annabeth Canfield (July, 2023)
  • "Only groomers I trust my dog with been going here for years. Love the new location"
    LYNN D. (July, 2023)
  • "The best grooming salon in town!!"
    MARILYN F. (April,2023)
  • "Doreen took amazing care of my 10 month old puppy! He came home smelling great and looking clean! Doreen was extremely professional, quick to respond, knowledgeable, and very nice. We will definitely be back!"
    LAUREN C. (December, 2022)
  • "I have been using Foofies Poochies for close to 8 years ,my entire family has their fur babies groomed by Doreen.You will not find a more compassionate ,professional groomer anywhere else.I know she treats my fur baby like its her own and always feel secure leaving him there !!"
    BEV K. (October, 2022)
  • "My boys Dexter (cockapuggle) & Milo (Kashon) love it here & so do I. The groomers are so sweet and patient with my dogs. I've been coming here for about a year after bad experiences with other places. I've only had great experience with Foofie Poochies. They are excellent. I've recommended them to family and friends for their furry babies and they also love it here."
    JOAN T. (3/1/2017)
  • "Zonti always nervous when i take him to groomers but with them he is more relaxed he loves them he comes out smelling great and looking so handsome they are sweet and do a great job ...Highly recommend"
    JAS Z. (2/25/2017)
  • "King has been going to Doreen since he was a puppy! he's almost 3 now! She always leaves him looking like a million bucks! I Love that we found such a clean nice shop!! "Auntie Doreen" is the best!"
    CHRIS R.

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