Vet Insurance, good thing? - Page 2 - YorkieTalk.com Forums

windwalker · 04-25-2014, 07:42 AM

Compare dog insurance - Pet Insurance Review

Buster Brown · 04-27-2014, 01:41 PM

One of the main things you need to look into is there a cap (top limit paid out) per incident or does the cap reset each year. If it is per incident if something comes up that will be an ongoing issue you could use up all your money in the first year.

gemy · 04-27-2014, 01:56 PM

PET insurance is worth it! But you need to know in detail what you are buying. This is so there are no surprises when an emergency happens, and or a serious health concern.

Many plans will ask you to pay the up front costs and then you get re-imbursed.

Many plans have either an annual or a lifetime cap per medical condition.

Some plans will not cover the costs of diagnostics, but will cover the surgery or on-going costs.

Many plans will not cover genetic conditions and or hereditary conditions.

Just a few things to know and to decide upon what is important to you

windwalker · 04-27-2014, 03:23 PM

So far Healthy Paws is my pick, no cap or exemptions, you pay normal wellness, spay, office visits and shots, they pay 90%/$100 ded for $38.92 per month and they don't raise rates because of dog getting older

"Healthy Paws' coverage is provided with no limits on
claims. We are the only company to provide unlimited
lifetime benefits with an annual deductible!

If your pet needs treatment for any accident or illness,
and it's not a pre-existing condition, you're covered.
It’s that simple. "

Pinky94 · 04-28-2014, 02:06 AM

I've had Healthy Paws for a couple of years now and I LOVE them! I did my research before going with them and even now I can honestly say they are unparalleled in the pet insurance world. You simply will not find anyone that has better coverage or customer service.

I faxed in Stormy's medical records to be assured that there wouldn't be anything considered pre-existing and since they had her records, when I finally made my first claim, I received my reimbursement within 3 days. I cannot say enough good things about this company. Their prices did recently go up, but unfortunately that seems to be pretty standard.

The routine care exemption shouldn't be a deal breaker, in my opinion. The purpose of insurance is for illnesses and accidents that can get costly, wellness visits don't fall under that umbrella. Just my two cents!

windwalker · 04-28-2014, 04:33 AM

The biggie is they will not raise your premium as your dog gets older as VPI did to us and all the others I called said they would. Yup, glad I started this thread, I was going to just use our funds, which would have been OK, but in this case insurance is a better investment. VPI paid, but no where near the actual costs, usually about 40%, but we started at almost the same rate as HP's about 15 years ago and it was almost $60 when we canceled when Sig was 13.

SarahBear1986 · 04-28-2014, 09:22 AM

My hubby and I are shopping insurances for Darla. We don't have it on our other dog Buckwheat but we feel it's necessary for Darla due to the lineage of Yorkies and how they came about. To get the small desirable size for years and years runts of the litter were mated to make the Yorkshire Terrier gradually smaller and smaller. Well runts are known for a being prone to more health issues than the other pups in the leader. Thus it seems logical to us that Darla, although healthy now, could have some exponentially expensive health issues down the road. If there's even just a slight potential for that, we'd rather be safe than sorry. We don't want to be crippled financially by unexpected vet bills. I guess the simple answer, for us anyway, is that vet insurance is worth it.

bellajayne · 04-28-2014, 01:24 PM

I have trupanion for Guinness. We have a fox terrier, Maggie who is 12 years old. She has Addison's disease which was diagnosed 6 years ago. It has been very costly over the years with blood work and monthly shots. I considered it when she was a pup but didn't get it. Wow do we wish we had gotten it!

SarahBear1986 · 04-28-2014, 01:27 PM

Quote:

Originally Posted by SarahBear1986

My hubby and I are shopping insurances for Darla. We don't have it on our other dog Buckwheat but we feel it's necessary for Darla due to the lineage of Yorkies and how they came about. To get the small desirable size for years and years runts of the litter were mated to make the Yorkshire Terrier gradually smaller and smaller. Well runts are known for a being prone to more health issues than the other pups in the leader. Thus it seems logical to us that Darla, although healthy now, could have some exponentially expensive health issues down the road. If there's even just a slight potential for that, we'd rather be safe than sorry. We don't want to be crippled financially by unexpected vet bills. I guess the simple answer, for us anyway, is that vet insurance is worth it.

litter, I meant litter and not leader. Sorry, ladies.

04-27-2014, 01:41 PM	#17
Buster Brown Donating YT 1000 Club Member Join Date: Oct 2009 Location: Toluca Lake, CA Posts: 5,491	One of the main things you need to look into is there a cap (top limit paid out) per incident or does the cap reset each year. If it is per incident if something comes up that will be an ongoing issue you could use up all your money in the first year. __________________ CarolynBuster Brown "The happiest people don't have the best of everything, they just make the best of everything." Last edited by Buster Brown; 04-27-2014 at 01:42 PM.

04-27-2014, 01:56 PM	#18
gemy YT 2000 Club Donating Member Join Date: Oct 2009 Location: Huntsville,Ont,Canaada Posts: 12,340 Blog Entries: 2	PET insurance is worth it! But you need to know in detail what you are buying. This is so there are no surprises when an emergency happens, and or a serious health concern. Many plans will ask you to pay the up front costs and then you get re-imbursed. Many plans have either an annual or a lifetime cap per medical condition. Some plans will not cover the costs of diagnostics, but will cover the surgery or on-going costs. Many plans will not cover genetic conditions and or hereditary conditions. Just a few things to know and to decide upon what is important to you __________________ Razzle and Dara. Our clan. RIP Karma Dec 24th 2004-July 14 2013 RIP Zoey Jun9 th 2008-May 12 2012. RIP Magic,Mar 26 2006July 1st 2018

04-27-2014, 03:23 PM	#19
windwalker Senior Yorkie Talker Join Date: Apr 2014 Location: Tucson,AZ Posts: 244	So far Healthy Paws is my pick, no cap or exemptions, you pay normal wellness, spay, office visits and shots, they pay 90%/$100 ded for $38.92 per month and they don't raise rates because of dog getting older "Healthy Paws' coverage is provided with no limits on claims. We are the only company to provide unlimited lifetime benefits with an annual deductible! If your pet needs treatment for any accident or illness, and it's not a pre-existing condition, you're covered. It’s that simple. " Last edited by windwalker; 04-27-2014 at 03:24 PM.

04-28-2014, 01:24 PM	#23
bellajayne Senior Yorkie Talker Join Date: Feb 2009 Location: Western NY, USA Posts: 122	I have trupanion for Guinness. We have a fox terrier, Maggie who is 12 years old. She has Addison's disease which was diagnosed 6 years ago. It has been very costly over the years with blood work and monthly shots. I considered it when she was a pup but didn't get it. Wow do we wish we had gotten it! __________________ Guinness and Hazel - Isabella R.I.P. Sweet Girl (2/21/14)

04-25-2014, 07:42 AM	#16
windwalker Senior Yorkie Talker Join Date: Apr 2014 Location: Tucson,AZ Posts: 244	Compare dog insurance - Pet Insurance Review

04-28-2014, 02:06 AM	#20
Pinky94 YT Addict Join Date: Sep 2010 Location: Phoenix, AZ Posts: 268	I've had Healthy Paws for a couple of years now and I LOVE them! I did my research before going with them and even now I can honestly say they are unparalleled in the pet insurance world. You simply will not find anyone that has better coverage or customer service. I faxed in Stormy's medical records to be assured that there wouldn't be anything considered pre-existing and since they had her records, when I finally made my first claim, I received my reimbursement within 3 days. I cannot say enough good things about this company. Their prices did recently go up, but unfortunately that seems to be pretty standard. The routine care exemption shouldn't be a deal breaker, in my opinion. The purpose of insurance is for illnesses and accidents that can get costly, wellness visits don't fall under that umbrella. Just my two cents!

04-28-2014, 04:33 AM	#21
windwalker Senior Yorkie Talker Join Date: Apr 2014 Location: Tucson,AZ Posts: 244	The biggie is they will not raise your premium as your dog gets older as VPI did to us and all the others I called said they would. Yup, glad I started this thread, I was going to just use our funds, which would have been OK, but in this case insurance is a better investment. VPI paid, but no where near the actual costs, usually about 40%, but we started at almost the same rate as HP's about 15 years ago and it was almost $60 when we canceled when Sig was 13.

04-28-2014, 09:22 AM	#22
SarahBear1986 Senior Yorkie Talker Join Date: Apr 2014 Location: Colorado Posts: 171	My hubby and I are shopping insurances for Darla. We don't have it on our other dog Buckwheat but we feel it's necessary for Darla due to the lineage of Yorkies and how they came about. To get the small desirable size for years and years runts of the litter were mated to make the Yorkshire Terrier gradually smaller and smaller. Well runts are known for a being prone to more health issues than the other pups in the leader. Thus it seems logical to us that Darla, although healthy now, could have some exponentially expensive health issues down the road. If there's even just a slight potential for that, we'd rather be safe than sorry. We don't want to be crippled financially by unexpected vet bills. I guess the simple answer, for us anyway, is that vet insurance is worth it.