![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
Health insurance for pets
Oct. 29th, 2017 07:15 amFor Pippin our cat I think it may be prudent to buy some kind of health insurance. I need coverage for expensive medical issues only. He is healthy and we can pay for routine veterinary care, it is major surgery or chronic conditions requiring ongoing treatment that are my concern. What would be ideal is an insurance plan that limits premium increases and covers all necessary medical care but with a high annual deductible or excess.
As it is, the insurance marketplace appears to be peculiarly uniform and bundled. I do not need any coverage for routine vaccinations, bereavement helplines, cash rewards for people who foil the theft of Pippin or whatever, so it makes no sense to pay for such. However, the ability to
What is going on here? Is it simply beyond insurers' technical wit to let me type numbers and click boxes on a website to generate a quote? Are they trying to conceal information about their underlying models? Are they intentionally insisting on selling me coverage that I do not want? Did one underwriter determine the costs for some plan then everybody is reselling that? The industry should be able to do far better than this.
Though, my automobile insurer has just sent me renewal documents that assume our old car, not the new, and I am about to interact with them to check where the premium jump is on one continuous variable because they appear not to be able to handle smooth functions, so maybe they really are all just a bunch of numpties.
As it is, the insurance marketplace appears to be peculiarly uniform and bundled. I do not need any coverage for routine vaccinations, bereavement helplines, cash rewards for people who foil the theft of Pippin or whatever, so it makes no sense to pay for such. However, the ability to
pick and mixplan elements seems nonexistent. Surely the actuaries know much about the separate risks.
What is going on here? Is it simply beyond insurers' technical wit to let me type numbers and click boxes on a website to generate a quote? Are they trying to conceal information about their underlying models? Are they intentionally insisting on selling me coverage that I do not want? Did one underwriter determine the costs for some plan then everybody is reselling that? The industry should be able to do far better than this.
Though, my automobile insurer has just sent me renewal documents that assume our old car, not the new, and I am about to interact with them to check where the premium jump is on one continuous variable because they appear not to be able to handle smooth functions, so maybe they really are all just a bunch of numpties.
