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09-21-2014, 07:17 PM | #1 |
YT Young Pup Join Date: Jul 2014 Location: United States of America
Posts: 288
| Question about health insurance Do you have health insurance for your pup/little one and would you recommend it? If you would like, describe your plan briefly (reimbursement, deductible, etc.,). Do you think that health insurance is well worth it? Should you consider health insurance more if you adopted a yorkie from the shelter, or if you bought a yorkie from a breeder?
__________________ Just someone who loves yorkies ~Kimberley~ |
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09-22-2014, 03:40 AM | #2 |
Donating YT 500 Club Member Join Date: Nov 2008 Location: Burbs of DC
Posts: 2,198
| I have a $100 Deductible, 80% reimbursement on most but 100% reimbursement on preventive and wellness. I have Pets Best. I think it is more on the higher end on monthly premiums where I pay $45/month for 1 yorkie. I do like it since my reimbursements happen via direct deposit,done within 24 hours of my claim submission and if need be the payments can be sent directly to my vet without me ever coming out of pocket (minus the deductible of course). I think its worth it. I got it since I have a puppy from a breeder. Not sure about the adoptable dogs though but can't hurt to get you a quote. I didn't get insurance for my previous yorkie until he was sick to help cover some of his expenses and that was through VPI because my job offered a discount. I didn't stick with them simply because the reimbursement directly to the vet feature. Also there's a lot of discussion on the board about pet insurance so do a search to see how you feel about it.
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09-22-2014, 06:27 AM | #3 |
Yorkie Talker Join Date: Aug 2014 Location: Bloomington , IN US
Posts: 11
| I would absolutely recommend pet insurance. Our Maggie passed from liver problems and the bill was over 5000.00. Better safe than sorry. |
09-22-2014, 07:50 AM | #4 |
Furbutts = LOVE Donating Member Moderator | I didn't use to think ins was worth it, and now? ALL FOR IT. I think everyone should get it asap after getting a new pup, before ANY pre-existing conditions would happen, preventing coverage of that condition. I used to have PetPlan, but now have Healthy Paws on all 3 of mine. I've saved thousands via insurance so far. I think it's a great thing to have.
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09-22-2014, 11:42 AM | #5 |
Yorkie Talker Join Date: Sep 2014 Location: Sacramento, CA, United States
Posts: 17
| Could anyone explain the jist of what it covers and what is not covered? Is it more like health insurance? Where they'll pay all doc visits minus deductibles and co pays? Or more like car insurance where it only helps if you get into a major wreck?
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09-22-2014, 12:18 PM | #6 |
Donating YT Addict Join Date: Aug 2010 Location: SW USA
Posts: 2,505
| Insurance It is difficult to give blanket answers to your questions as insurance plans vary and there are options you can usually choose to get the coverage you want. In my case I have Trupanion and I think it is great, but others have equally good or better plans. You have to critically compare the plans and do apples for apples. I chose to have zero deductible and the plan pays 90% of covered costs.....including meds and tests. I pay the vet and the plan repays me usually within a week or so. Many plans do not cover routine vet visits, dentals and shots, but there are plans that do. My plan covers none of these as that was my choice. I agree that insurance is well worth having and it is best to get it as soon as possible after getting your dog, before existings appear. I adopted a dog and the acceptance of the coverage depended on the initial vet exam. Soon after adopting my boy at one year old he developed juvenile cataracts and the surgery was covered thank goodness. One thing to get is coverage for hereditary conditions, that can appear later in life. Some plans exclude these. A common issue for Yorkies is luxating patellas and providing it did not show up prior to insuring the dog, it would be covered later. There are threads here that you may find helpful in choosing. Good luck, it is a complex decision to make with many variables. :-) |
09-22-2014, 12:26 PM | #7 | |
YT Young Pup Join Date: Jul 2014 Location: United States of America
Posts: 288
| Quote:
I'm not sure if it's exactly like health insurance, but it covers hereditary/congenital defects (you'll have to add this specifically onto your plan) and it will cover you if you have any expensive health bills in the future. Most don't cover vet visits, but I've seen one company that calls it a "Wellness Plan", but you have to add that plan onto your existing plan for about $20-25/month. I would try checking out petplus.com. For $10/month, you get signficantly cheaper tick/flea medication, pet prescriptions filled at your local pharmacy in the area, and 25% off vet visits for participating vets. My city is somewhat small (100,000 people) and there are about three participating vets for that (I think it's called PetAssure or something like that), so your area might have some.
__________________ Just someone who loves yorkies ~Kimberley~ | |
09-22-2014, 12:30 PM | #8 |
YT Young Pup Join Date: Jul 2014 Location: United States of America
Posts: 288
| Here is a more comprehensive breakdown of PetPlus. Select Plan - PetPlus Specifically for the vet savings: Vet Savings Save 25% at over 4,000 veterinarians nationwide through Pet Assure. Simply show your PetPlus card at any participating vet to receive savings on: Office visits & exams Vaccines & shots Elective procedures (e.g., DENTAL CARE) Surgery (e.g., spaying & neutering, emergency surgery) HOSPITALIZATION (in Network) Any other medical service and procedure! The Pet Assure logo is at the bottom of your card I think that could save a TON of money. Regular vet visits can range from $30-50 or even more, so every time you go, you would be saving about $7.50-12.50 so it would be $22.50 or $38.50, which looks a lot better than $30 or $50.
__________________ Just someone who loves yorkies ~Kimberley~ |
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