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Pet Insurance inquiry I am looking into obtaining insurance as so many of you have suggested, but again inexperience has reared its head. I am looking for recommendations for any insurance company, any help/info would be appreciated. Such as things to look out for or to make sure are included. In the search I have done thus far I'm being told that no insurance will cover pre-existing conditions. Makes me nervous becuz they don't explain as to what constitutes a pre-existing condition. Is it a condition that is genetic? And not previously been detected? What else am I missing? |
I've narrowed down my search to Pet Plan and Healthy Paws....but I can't decide which to pick! lol |
Pre existing means anything your pup has has or has now. May insurances cover congenital and hereditary diseases/conditions that may show up later. Best to take your pup to the vet a have them do a thorough examination and document any problems or that there are no problem - then get your insurance based on the vets findings. Any illness that comes up after you get the insurance should be covered unless it is stipulated in the policy -- such as some policies will not cover hip displaysia in some breeds. Get a copy if the policy before you pay and read it carefully. They will all give you a copy of the policy but you usually have to ask for it |
I have VPI |
We have Healthy Paws but fortunately have not had to use it. |
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Yes, thank you all. Your input has helped tremendously. It was the congenital and hereditary conditions that may not show up for some time that I was really concerned about. Snickers has had a thorough examination, all shots, spayed, etc. with no issues noted. I feel really blessed. I also have reviewed Healthy Paws, VPI and Pet Plan. I'm weeding it down to my final selection. Thanks again. |
I have PetPlan for Kiri and am very happy with it. They pay right away and are terrific on the phone. I have the one thats 100% reimburseable, so the premiums are pretty high, but for the peace of mind, it's worth every dollar. |
I have had Trupanion for several years but have never made a claim so I really cannot offer insight on it... Can anyone tell me if they have it and whether or not they can offer any pros or cons to it? After reading this thread I'm wondering if I should switch...sounds like PetPlan is favored. Thank you! |
Check to make sure there isn't a cap limit on certain conditions. Meaning if your dog gets pancreatitis they cap payments for say only $1000. Your first bout will probably cost you $800. I went with Healthy Paws because there are no caps. |
Thanks xFoxyx, that's the kinda stuff I'm looking for. I never would have thought to check on caps. Very important point. Lotsa good stuff here!!! |
Some insurances also have a lifetime cap or a yearly cap. |
I have Trupanion. There are no lifetime caps.they don't cover pre existing conditions, but do cover heredity or congenital problems. I just got it so I am in the thirty day waiting period for accidents. My vet recommended this to me. I guess his wife researched this company and others and this is the one they thought was the best. He was upfront with me about not getting a kick back for recommending them. He's a pretty honest guy. If others have opinions, I would be interested. |
Several folks here at YT have complained about companies who have upped their prices more often, or more than they thought was reasonable -- so that is another area to look at when making your choice. |
I purchased PetPlan based on good reviews and rankings. I hope it lives up to its' reputation. |
I too have a PetPlan policy, fortunately I haven't used it. I've have called them to clarify questions concerning their policy. I'm personally satisfied with their customer care! |
I used to have PetPlan, but now have Healthy Paws. |
I have a VPI plan for Sophie Kate, so far I have had no problems. She is due for her dentals the August, so I need to up my plan to cover part of the costs. |
I have trupanion, but have not yet had to make a claim. The one they sell here in Canada has no annual cap or lifetime cap per disease or condition. How-ever what-ever deductible you choose is per disease or condition. So if you choose say the $500 deductible that is a lifetime deductible. If for example your pup requires LS surgery, then any future conditions that can be attributed to LS will also be covered under that same deductible. If in the same year your dog also has to have FHO surgery then that is a condition different to LS and you would be expected to pay the $500 deductible against that condition. Of course the higher the deductible you choose the lower the monthly premium, and vice versa. You can change your deductible amount at any time. |
I forgot to mention I also have pet assure. This is more of a supplemental plan and is not accepted by all vets. It costs roughly $150 annually and covers our 3 dogs and cat. It allows 25% off of the bill, I believe it does not cover out of office lab work but does cover most everything done in house. I had dentals done on 2 of my dogs which was $550, the savings of 25% on this alone covered the annual cost so anything after that is a bonus off. Like I said, it's more supplemental but can also be used with another insurance plan you might have for accident/illness. Just helps cover the cost of items not covered by my trupanion. Worth it IMO. |
Pet assure is not an insurance but rather a discount card. I was fortunate that my vet accepted it and it has definitely been worth it for us to help with routine and preventative care costs...there is no waiting period either. |
I have pets best for chester, very happy with it |
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