Call it Peticare for all -- a statewide or national pet-insurance program that would cover all critters, regardless of pre-existing conditions.
I’ve been chewing on that idea since chatting with Stephanie Napoles, 32, who shared a recent experience involving her Cane Corso, Rockie.
Rockie may not be as fortunate. Healthy Paws informed Napoles the other day that coverage for hip dysplasia will be provided only if a dog was insured prior to turning 6 and if no symptoms of hip dysplasia were detected over the ensuing 12 months. That’s what got me thinking about a “Peticare for all” program — insurance that covers all pets, no questions asked.
It’s also the most cost-effective way of covering preexisting conditions, which otherwise can be too expensive to insure. California law requires that all dogs over the age of 4 months be vaccinated against rabies and licensed through the local animal care agency., also require that cats be vaccinated for rabies and licensed.
The numbers now become more interesting. If every dog and cat owner paid $25 a year into a nationwide plan, we’re talking $4.1 billion. That’s about three times the current pet insurance premium total. At $100 annually, that’s $16.4 billion.
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