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08-24-2009, 11:52 AM | #1 |
YT 1000 Club Member Join Date: Aug 2009 Location: cliffside park, nj, usa
Posts: 1,170
| VPI pet insurance? my dog was admitted to the hospital twice since last september for throwing blood; they suspect gastritis. anyway i have spent thousands of dollars on her in the hospital. i do have the banfield insurance which i use for vet visits and vaccination; however i am concerned that i wont be able to afford another emergency hospital visit. so i was looking the VPI pet insurance Dog Insurance and i am confused of which plan to choose. i don't want to pay a large amount of money monthly; however i do want to have the basics for whenever she needs to be admitted to the hospital. can anyone recommend or share if they have the VPI insurance. which plan should i get and would this insurance work in new jersey at any vet or any hospital? thanks much
__________________ Ava's mom |
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08-24-2009, 11:56 AM | #2 |
Tobie's Mommy Donating Member Join Date: Feb 2009 Location: Oklahoma
Posts: 901
| I don't have pet insurance but I'm worried that that would be a pre-existing illness. Hopefully someone else will have a better answer for you
__________________ [CENTER]Mama to 1 skin baby & 2 fur babies [B]Arilynn Marie Tobie Teddington Dash |
08-24-2009, 11:58 AM | #3 |
No Longer A Member Join Date: Aug 2005 Location: NEW YORK
Posts: 16,218
| I have VPI for Buddy. I was very pleased with the refund after using it for the first time after three years of having it. I have the Superior Plan. It's $28.17 a month. We live in NY. There is a deductable of $50.00 per incident. If the treatment for one injury goes onto several visits they will continue to refund you without another deductable. It does not pay for yearly office visits, shots, flea meds etc. I wanted it for emergencies only. I am happy with it. Refund came within 3 wks. Last edited by ARCHIE; 08-24-2009 at 11:59 AM. |
08-24-2009, 12:00 PM | #4 |
Therapy Dog Donating Member | Yup sorry to say you now have a pre-exisiting condition. Trust me I wish I would have gotten insurance too since Izzy has been sick 4 times since last November and we spent thousands on her to save her. Unless there is an insurance company out there that takes pre-existing I say we are out of luck on this one. Only thing is that most vets now have that pet credit card and I can't think of the name of it but you can apply at your vet's office and make monthly payments next time that happens. Oh and so sorry to hear about your baby I know how you feel. Izzy has pancreatitis/SIBO/IBD.
__________________ Cynd, Izzy (Yorkie) & Cosmo (Biewer)(Secwetary & Charter Membwer of the Dirty FurKids Cwub)-Jusz say NO ta bein' cwean!)proud member of the CrAzYcLuB! ~The PINK club~SRC |
08-24-2009, 12:05 PM | #5 | |
YT 1000 Club Member Join Date: Aug 2009 Location: cliffside park, nj, usa
Posts: 1,170
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__________________ Ava's mom | |
08-24-2009, 12:09 PM | #6 | |
Owned by Rory & Lane Donating Member Join Date: Sep 2008 Location: Atlanta, GA
Posts: 1,893
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I am looking into PetPlan Insurance myself...not sure how it ranks against VPI.
__________________ Rory and Lane now have a dog blog, Doggie Debutantes. Find us on Facebook here. Last edited by TresCutePiggies; 08-24-2009 at 12:11 PM. | |
08-24-2009, 12:12 PM | #7 | |
No Longer A Member Join Date: Aug 2005 Location: NEW YORK
Posts: 16,218
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Why does your baby get the diareaha and vomit so much? I'm not sure if this would be considered pre-existing. That could be diet based as well. I would think kidney problems, L/P etc would be. You have nothing to loose, apply and find out. I would. | |
08-24-2009, 12:13 PM | #8 | |
Therapy Dog Donating Member | Quote:
__________________ Cynd, Izzy (Yorkie) & Cosmo (Biewer)(Secwetary & Charter Membwer of the Dirty FurKids Cwub)-Jusz say NO ta bein' cwean!)proud member of the CrAzYcLuB! ~The PINK club~SRC | |
08-25-2009, 08:07 AM | #9 |
YT Addict Join Date: Jun 2009 Location: Astoria, NY
Posts: 402
| I did alot of research on insurances before I decided to go with PetPlan. They cover ALOT of stuff, most of which other insurances do not cover. Be wary of VPI they have a lot of exclusions - you have to read the fine print. Embrace was my second choice and they are cheaper but I went with PetPlan because I could choose the copay/reimbursement level that I wanted and also the coverage is higher overall. Not sure if they would cover your baby with the gastritis now though because that would be a pre-exsiting condition unless she goes to the hopsital for an unrelated condition. Although basically anything directly resulting from gastritis would not be covered now.
__________________ "In a perfect world, every dog would have a home and every home would have a dog." ~anonymous |
08-25-2009, 08:37 AM | #10 | |
YT 1000 Club Member Join Date: Aug 2009 Location: cliffside park, nj, usa
Posts: 1,170
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08-25-2009, 09:25 AM | #11 | |
YT Addict Join Date: Jun 2009 Location: Astoria, NY
Posts: 402
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But its worth checking out anyway, because she was diagnosed officially right? I would def ask them (their CS is great over the phone). Also, you never know, its good to have in case of emergences. HTH!
__________________ "In a perfect world, every dog would have a home and every home would have a dog." ~anonymous | |
08-25-2009, 09:27 AM | #12 |
Yorkie Yakker Join Date: Jul 2009 Location: Orlando, FL
Posts: 55
| When my mom insured her chi with VPI she had a pre-existiing condition. I believe she had to go a full year with no vet visits pertaining to that. However, VPI often considers an illness a pre-existing condition from one policy year to the next, even if coverage was continuous; think cancer diagnosis in December, policy renewal in January, and then that cancer being pre-existing. I chose left VPI for Embrace for that reason. |
08-25-2009, 09:48 AM | #13 | |
YT 1000 Club Member Join Date: Aug 2009 Location: cliffside park, nj, usa
Posts: 1,170
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by the way which plan did you choose from petplan? thanks for your help
__________________ Ava's mom | |
08-25-2009, 09:52 AM | #14 | |
YT 1000 Club Member Join Date: Aug 2009 Location: cliffside park, nj, usa
Posts: 1,170
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__________________ Ava's mom | |
08-25-2009, 09:56 AM | #15 | |
YT Addict Join Date: Jun 2009 Location: Astoria, NY
Posts: 402
| Quote:
I chose the silver plan for now cause Maxi is still a puppy but I think when he gets older, I will change to the highest one.
__________________ "In a perfect world, every dog would have a home and every home would have a dog." ~anonymous | |
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