Pet Insurance

[sugarmamma]

Originally Posted by cindersellie

Trupanion covers hereditary stuff. You have to pay the cost in full, but they reimburse you 90% . With a lot of yorkies ending up hereditary problems, I wanted to be covered if mine got any.(I'm sure Cinders was from a BYB. Who knows what problems are going to come up with her.) I haven't had to use it yet, so I'm hoping others that have will post.

Embrace covers hereditary as well. I think the issues more lie with what is considered preexisting. and less preexists with a new puppy

[lisaly]

This is a wonderful article written by a veterinarian when she was looking for insurance for her own pup.

Make 2010 The Year Of Affordable Pet Health Care!

[sugarmamma]

Originally Posted by lisaly

This is a wonderful article written by a veterinarian when she was looking for insurance for her own pup.

Make 2010 The Year Of Affordable Pet Health Care!

Lisa Ive read that and it's great~ but a little out dated now. Still has a lot of relevant info tho

[cindersellie]

Each insurance has different things they offer. Look a few over, compare them to see what you like. Choose the best one for you. Just do it as soon as possible. Like I said, once she's treated for something, it's considered pre existing, and any insurance company won't cover a pre existing illness.

I realize I'm no help- I haven't used mine yet, and I don't want you to think mines the best when others could be better. I looked at 3 or 4 companies before I decided on 1 that seemed to fit and would cover what I wanted. Cinders is a BYB pup- I'm sure of it since learning about them here on YT. I wanted to find one that covered poor breeding (hereditary problems, such as LP) so I went with Trupanion.

[sugarmamma]

Originally Posted by cindersellie

Each insurance has different things they offer. Look a few over, compare them to see what you like. Choose the best one for you. Just do it as soon as possible. Like I said, once she's treated for something, it's considered pre existing, and any insurance company won't cover a pre existing illness.

I realize I'm no help- I haven't used mine yet, and I don't want you to think mines the best when others could be better. I looked at 3 or 4 companies before I decided on 1 that seemed to fit and would cover what I wanted. Cinders is a BYB pup- I'm sure of it since learning about them here on YT. I wanted to find one that covered poor breeding (hereditary problems, such as LP) so I went with Trupanion.

I did about 90 hours research (NO LIE ask Michelle and Sarah) and finally decided this was best for US!!

[cindersellie]

Originally Posted by xoCourtney

are there any insurance companies where you don't have to pay the cost in full?

I don't remember seeing any- I hope someone else knows for sure... WOW I'm like useless on this-

[sugarmamma]

Originally Posted by cindersellie

I don't remember seeing any- I hope someone else knows for sure... WOW I'm like useless on this-

I think this is a true statement

[cindersellie]

Originally Posted by sugarmamma

i think this is a true statement

lol thanks!!!!!!!!

[dottiesyrky]

I have Trupanion with zero deductible, but it cost more for that. I pay the vet bill and usually get paid long before my credit card has to be paid. So no big deal. They pay 90 percent of allowable charges, no cap. I had only had my adopted boy for a few months and he had to have cataract surgery! $3,500 per eye, plus quite a few charges for drops and illnesses resulting from the surgery. So I was so glad I had the insurance. It is comforting that if he gets sick I can get all the tests and meds with no funding worries. I am very happy with TP, never any issue with claims and payments. I have heard that Pets Best and Embrace are good too. Have to be careful to compare plans and weigh up the pros and cons.
Good Luck, it is hard to research this subject, but worth the effort in my view.

[Wylie's Mom]

Originally Posted by yorkiemini

We have Healthy Paws Covers hereditary and no cap.

This is what we have too, and for the same reasons.

Originally Posted by sugarmamma

I looked into that too. Sugar was too old at 6 years old

edit a lot of conditions were no longer covered

You mean you had trouble even getting Sugar covered? Bc Wylie is 8 and he got covered without problem, even with all his pre-existings.

[sugarmamma]

Originally Posted by Wylie's Mom

This is what we have too, and for the same reasons.



You mean you had trouble even getting Sugar covered? Bc Wylie is 8 and he got covered without problem, even with all his pre-existings.

The one thing I was interested in making sure was covered was hip dysplacia. They don't cover that at all on a new policy for a dog 6 years and up if I remember correctly. And embrace won't accept new purebred clients over 6 years of age.