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-   -   Pet Insurance (https://www.yorkietalk.com/forums/general-yorkshire-terrier-discussion/107629-pet-insurance.html)

Baby Madeleine 12-14-2007 04:36 PM
We don't have pet insurance and don't plan on getting it. We keep money put aside so that if god forbid something did happen to Madeleine we could pay for it without freaking out about the bills.

zoeybear 12-14-2007 04:42 PM
I heard that every year you have to get a "new" policy. There is no "renewing". That makes anything that happens "pre-existing" and not covered. They will pay until the end of the year when the policy expires, but after that everything is considered pre existing. True??

Kiwiglaze 12-14-2007 05:18 PM
Quote:
Originally Posted by zoeybear (Post 1608070)
I heard that every year you have to get a "new" policy. There is no "renewing". That makes anything that happens "pre-existing" and not covered. They will pay until the end of the year when the policy expires, but after that everything is considered pre existing. True??
I don't know about other insurance companies, but with the one I have you have the option, and they strongly encourage you, to buy a "rider" for the policy. It is about $1 more per month and is called a continuing care rider, it allows you to renew each year without getting a new policy. This means nothing is pre-existing and they will keep paying your claims. I know some companies don't have this rider and if they do have it, they won't tell you about it.:mad:

Bottom line: you have to shop around and be very smart before buying. But that is true of any insurance you purchase; auto, home, life, etc.

Kiwiglaze 12-14-2007 05:22 PM
Quote:
Originally Posted by Ellie May (Post 1607489)
Could I ask what company you use? Sometimes pet insurance companies don't pay for problems specific to a particular breed (liver shunt in Yorkies or LP or collapsed trachea) aren't covered.
Oh! I have Embrace Pet Insurance, they are great! They are underwitten by Lloyds of London. And I specifically chose them because they cover ALL genetic illnesses. They covered all of Kiwi's testing for liver shunt and her surgery for a liver biopsy. After my deductible ($200), they paid 100%!!!!

Gracie2006 12-14-2007 05:43 PM
Gracie's policy with VPI was a renewal this year. I did not have to reapply. I have the same policy number.

Yorkiekids 12-14-2007 06:38 PM
Thanks for the heads up.

sassytooyou 12-14-2007 07:51 PM
they did not pay
 
Quote:
Originally Posted by quack (Post 1607319)
I do not recommend the ASPCA pet health insurance.

My vet even called and talked to them today and they are still refusing to cover my pup.

I thought I was doing so good by getting insurance for her and it was just a waste of $366.00. That money could have went towards her health care that I am going to have to be paying.

We will be ok and I will take care of my sweetie, but I don't want anyone else to waste their money with this company. Find a better insurance for you pets.
tede was sick for a long time ,when it came time, they said it was pre exicting condition
screw them,,sorry i did so much more on there word he was covered

kwaymon 12-14-2007 08:07 PM
UUGH! I can hardly jusify the amount we have to pay for us for family coverage (husband is self-employed, so no discount there:rolleyes: ). It seems like even people insurance has sooo many loopholes and things they won't cover. But since most emergencies for people can cost upwards of 40,000, I can't see not having it, especially with our child. Correct me if I'm wrong, but it seesm like most pet emergencies usually do not go over 5,000.00. Also, will the vet allow you to make payments? If so, I'll think I'll skip the pet insurance and take my chances.


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