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xoCourtney 06-09-2013 04:30 PM
Pet Insurance
 
Does anyone have pet insurance? My mom really wants me to get it for Miley but is it worth it? What company do you have?

sugarmamma 06-09-2013 04:34 PM
We have pet insurance. If you search there are several threads. I have Embrace for my girls.

I chose $500 deductible with $15000 per year cap and 90% reimbursement.

I pay around $60 a month for my two dogs total.

cindersellie 06-09-2013 04:37 PM
:) I did this thread a few months ago, it may help. Lots of good advice was given on insurance and other ways to cover illnesses.
http://www.yorkietalk.com/forums/yor...ce-yes-no.html

I ended up getting trupanion because they cover hereditary problems. If your going to get insurance- get it soon as possible. Once she gets sick, they consider it pre existing and won't cover it.

xoCourtney 06-09-2013 04:37 PM
Quote:
Originally Posted by sugarmamma (Post 4239984)
We have pet insurance. If you search there are several threads. I have Embrace for my girls.

I chose $500 deductible with $15000 per year cap and 90% reimbursement.

I pay around $60 a month for my two dogs total.
could you explain how it works? Sorry being 21 I've never really had to deal with insurance before. My mom willingly pays my car insurance and I'm still on her dental, vision, medical, etc.

Lets say Miley needs something that costs $2000. Do I pay the $2000 then get reimbursed? how does this work?

sugarmamma 06-09-2013 04:38 PM
Quote:
Originally Posted by xoCourtney (Post 4239987)
could you explain how it works? Sorry being 21 I've never really had to deal with insurance before. My mom willingly pays my car insurance and I'm still on her dental, vision, medical, etc.

Lets say Miley needs something that costs $2000. Do I pay the $2000 then get reimbursed? how does this work?
Yes you would pay the 2K minus the deductible ( mine is $500 but many are $100 ~ I chose to pay less per month)

xoCourtney 06-09-2013 04:39 PM
Quote:
Originally Posted by cindersellie (Post 4239986)
:) I did this thread a few months ago, it may help. Lots of good advice was given on insurance and other ways to cover illnesses.
http://www.yorkietalk.com/forums/yor...ce-yes-no.html

I ended up getting trupanion because they cover hereditary problems. If your going to get insurance- get it soon as possible. Once she gets sick, they consider it pre existing and won't cover it.
I will look into that thread!! Do you mind explaining how it works? like if she gets sick and needs something that costs like $2000 do I pay the $2000?

sugarmamma 06-09-2013 04:39 PM
once that amount is paid (it's usually a one time thing per year) they pay a percentage that you chose. I chose to have them pay 90%

xoCourtney 06-09-2013 04:40 PM
Quote:
Originally Posted by sugarmamma (Post 4239991)
once that amount is paid (it's usually a one time thing per year) they pay a percentage that you chose. I chose to have them pay 90%
Okay, so I just pay a annual fee then and then the remaining 10%?

sugarmamma 06-09-2013 04:41 PM
Quote:
Originally Posted by xoCourtney (Post 4239993)
Okay, so I just pay a annual fee then and then the remaining 10%?
yes on covered services. Most dont cover routine items like bloodwork and fecals and well exams and vaccines. More "sick" visits.

xoCourtney 06-09-2013 04:44 PM
Quote:
Originally Posted by sugarmamma (Post 4239994)
yes on covered services. Most dont cover routine items like bloodwork and fecals and well exams and vaccines. More "sick" visits.
The AKC insurance covers spaying, and other good stuff. Did you look into this one? just curious as to what sold you on trupanion :)

sugarmamma 06-09-2013 04:47 PM
Quote:
Originally Posted by xoCourtney (Post 4239996)
The AKC insurance covers spaying, and other good stuff. Did you look into this one? just curious as to what sold you on trupanion :)
I don't have trupanion. I have Embrace. Curri and Sugar are already spayed and I'm vaccinating less and less....we don't require as much preventative care ~ at least none on the expensive side.

yorkiemini 06-09-2013 04:54 PM
We have Healthy Paws Covers hereditary and no cap.

sugarmamma 06-09-2013 04:55 PM
Quote:
Originally Posted by yorkiemini (Post 4240004)
We have Healthy Paws Covers hereditary and no cap.
I looked into that too. Sugar was too old at 6 years old :mad::thumbdown

edit a lot of conditions were no longer covered :eek:

cindersellie 06-09-2013 05:01 PM
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.

xoCourtney 06-09-2013 05:02 PM
Quote:
Originally Posted by cindersellie (Post 4240014)
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.
are there any insurance companies where you don't have to pay the cost in full?

sugarmamma 06-09-2013 05:03 PM
Quote:
Originally Posted by cindersellie (Post 4240014)
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 06-09-2013 05:07 PM
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 06-09-2013 05:10 PM
Quote:
Originally Posted by lisaly (Post 4240019)
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 :thumbup::thumbup:

cindersellie 06-09-2013 05:11 PM
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 06-09-2013 05:14 PM
Quote:
Originally Posted by cindersellie (Post 4240024)
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.
:thumbup::thumbup::thumbup: I did about 90 hours research (NO LIE ask Michelle and Sarah) and finally decided this was best for US!!

cindersellie 06-09-2013 05:14 PM
Quote:
Originally Posted by xoCourtney (Post 4240015)
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- :eek:

sugarmamma 06-09-2013 05:15 PM
Quote:
Originally Posted by cindersellie (Post 4240026)
I don't remember seeing any- I hope someone else knows for sure... WOW I'm like useless on this- :eek:
I think this is a true statement

cindersellie 06-09-2013 05:17 PM
Quote:
Originally Posted by sugarmamma (Post 4240028)
i think this is a true statement
lol thanks!!!!!!!!

dottiesyrky 06-09-2013 05:18 PM
Insurance
 
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 06-10-2013 06:15 AM
Quote:
Originally Posted by yorkiemini (Post 4240004)
We have Healthy Paws Covers hereditary and no cap.
This is what we have too, and for the same reasons.

Quote:
Originally Posted by sugarmamma (Post 4240010)
I looked into that too. Sugar was too old at 6 years old :mad::thumbdown

edit a lot of conditions were no longer covered :eek:
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 06-10-2013 07:49 AM
Quote:
Originally Posted by Wylie's Mom (Post 4240291)
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.


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