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Originally Posted by i<3my_yorkie my friend works in the pr department at a pet insurance company.. not going to name the company, but she told me it wasn't worth it.. but i've read everyone's comments about VPI, and now interested.. can you apply online? and is it only worth it if expensive, unusual health problems come up? my boyfriend thinks i'm overprotective of my puppy, but i take her to the vet whenever i feel like something's wrong or unusual.. when i got her at 8 weeks she had colitis (not sure on the spelling), eventhough the treatment wasn't that expensive, i'm not sure what the future will hold and want to have every available resource for bella..
any info is appreciated  |
I also have VPI (Veterinary Pet Insurance). The policy has paid for it's self many time over for me. Not only does it cover rutine care like vaccinations, check-up and dental. It also covers blood work, micro chipping and veterinary visits to specialists.
We had a MRI and Spinal Tap done on Jewel. The bill was over $3,000.00 and we received a check from VPI for over $ 1,600.00. In the course of trying to find out what was wrong with Jewel we must have spent close to $4,000.00. I don't know how I could have paid all my bills with out it.
The plan cover ANY veterinary ANY where. The doctor does not need to be on any "list". They also have an option to pay the doctor directly if you have made arrangements with the doctor for them to extend credit for their services.
The amout of the claim reimbursement depends on the treatment. They do not cover medications.
The premium does get higher as the pet ages but they do give mutiple policy discounts.
They do exclude any pre-exitsting conditions so get on the plan early in your babies life. It really pays for new puppies needing vaccinations and spay/neuter.
From reading posts on other treads, some insurance is limited to certain doctors (such as Petsmart) and I haven't heard very good reports on the AKC plan.
Only draw back is YOU have to do all the work. Get the doctor to sign the claim form, fax or mail the claim with a copy of the bill, keep records of the claims you made and follow up on claims that takes a bit longer. We have had claims declined but got them resolved with a phone call.
You also have the option to make monthly installment payments or pay for the full year at once.
Hope this helps you. Sorry I got a little carried away but the website doesn't give you all the little info you probably want to read about.