Doug Kenney, DVM

Doug Kenney, DVM

VETERINARIAN

Dr. Doug Kenney

Recent Articles

Should You Buy Pet Insurance For Your Older Pet?
Last week, we considered this question about the younger, healthy pet. I’ve seen a number of references in the comments to this blog about having older pets and wondering if they were insurable or not. There are several pet insurance companies that will insure pets at any age, so age itself isn’t a hurdle to getting health insurance for your pet. But, let’s look at a couple of other factors...
Should You Purchase Pet Insurance for a Young, Healthy Pet?
This week’s post is a follow-up to last week’s post. One of my favorite quotes is a proverb that says:When is the best time to plant a tree?Answer: 20 years agoWhen is the next best time to plant a tree?Answer: Right now If you had planted that tree 20 years ago, you could be enjoying its fruit or shade today. If today you realize you should have done something 20 years ago, do it now, so...
Three Ways Pet Insurance Companies Figure Reimbursements
There is another factor that I haven’t written about yet on this Healthy Assurance blog that is an important factor in determining how much a pet owner is reimbursed by the insurance company when she or he files a claim. If pet owners aren’t aware of this, it can catch them by surprise. Insurance companies figure their reimbursements in one of three ways: 1. Based on whatever the veterinarian...
Pet Insurance vs. Human Insurance (Managed Care)
Last week, I wrote that a pet health insurance policy is a contract between the pet owner and the insurance company. Veterinarians and veterinary organizations want it to remain that way because they have seen the human health professions drift toward "managed care" and they want no part of that healthcare model. In the managed care model, the contract is between the insurance company and/or PPO...
What is the Coinsurance Percentage?
For the past couple of weeks, we have looked at several terms you need to be familiar with and the part they play in determining how much reimbursement you receive from the pet insurance company.   First, we looked at lifetime, annual, and per-incident maximums. Last week, we looked at annual vs. per-incident deductibles. This week, we’ll look at the coinsurance percentage.I realized as I was...
Per-Incident Maximum: Don’t Overlook This Important Factor When Purchasing Pet Insurance
One of the most significant factors that can increase your out-of-pocket expense when filing a pet insurance claim is having a policy with a "per-incident" maximum. What's that, you may ask? Per-incident generally means the maximum the insurance company will pay out each time a new problem or disease occurs. An annual maximum, on the other hand, is the maximum the company will pay out during the...