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smelcerk 11-03-2014 05:27 PM
Pet Insurance?
 
I jokingly call Mia the "million dollar dog" but that is only a slight exaggeration, lol. The amount of money I have invested in this dog is unreal and the lengths I am willing to go to make sure she is healthy and well-cared for are extreme. Having said that, I have heard there is such a thing as pet health insurance. Do any of you have any recommendations of a good company to go through and what sorts of things I should make sure are included. Now for the hard part as it makes me uncomfortable to even think about but is there such a thing as insurance against the possible loss of your pet? I feel terrible even contemplating such a thing but need to be realistic.

gemy 11-03-2014 05:35 PM
Very many threads on here. Also the library has stickeys information articles on pet insurance.


Can you insurance your dog against loss of life, through accident or illness, I have never met a policy that does this.


You can insure against cancer, genetic defects, etc.

Wall-eWorld 11-03-2014 07:47 PM
I had PetPlan for a while for Wall-e, and their most expensive plan did reimburse you for the cost of the pet if it died. I'm sure there are many rules on that one though. Petplan was good but every year it got way more expensive so I switched to Healthy Paws.

Wylie's Mom 11-04-2014 06:33 AM
I used to have PetPlan and now have Healthy Paws for all 3 of my kiddos. Keep in mind they won't cover any pre-existing conditions.

http://www.yorkietalk.com/forums/die...ries-care.html

http://www.yorkietalk.com/forums/die...e-reviews.html

Rachael1983 11-04-2014 10:06 AM
We have Pets Best for Emma. Very pleased with it.

Nancy1999 11-04-2014 11:57 AM
Quote:
Originally Posted by smelcerk (Post 4503303)
I jokingly call Mia the "million dollar dog" but that is only a slight exaggeration, lol. The amount of money I have invested in this dog is unreal and the lengths I am willing to go to make sure she is healthy and well-cared for are extreme. Having said that, I have heard there is such a thing as pet health insurance. Do any of you have any recommendations of a good company to go through and what sorts of things I should make sure are included. Now for the hard part as it makes me uncomfortable to even think about but is there such a thing as insurance against the possible loss of your pet? I feel terrible even contemplating such a thing but need to be realistic.
Two types of insurance you are referring to, one is health insurance the other is life insurance. I'm totally against "life insurance" for pets. There are some companies who insure against death, even worse, it's doesn't include death by illness. I really think this type of insurance should be outlawed, I think too many people will allow their dog to have an "accident." We know some people have killed their children for the insurance money, people would do the same thing with pets and there aren't enough laws to really punish them for this.

BabieChloe 11-04-2014 03:16 PM
I've been hearing that the top 2 are Healthy Paws and Trupanion? I'm also trying to figure out which insurance is best. Any thoughts on these two?

smelcerk 11-04-2014 07:01 PM
Quote:
Originally Posted by Wylie's Mom (Post 4503448)
I used to have PetPlan and now have Healthy Paws for all 3 of my kiddos. Keep in mind they won't cover any pre-existing conditions.

http://www.yorkietalk.com/forums/die...ries-care.html

http://www.yorkietalk.com/forums/die...e-reviews.html
Thank you so much for including the links to both of these articles. They were very helpful to me. I absolutely love yt but am so new to the site that I have a terrible time navigating it or searching for specific information. I am always astounded (and yet grateful) at all of you that seem to have this information magically at your fingertips. I have been googling reviews on Healthy Paws and Pets Best and like what I see on both those companies. I will contact them both tomorrow to make my decision. Leaning toward Pets Best but only because it is an Idaho Company and located 30 miles from my home. My vet mentioned them to me and gave me a 10% off coupon. I loved all the reviews on Healthy Paws but they were strange. The reviews on Yelp were either a 5 from people extremely happy or a 1 as there were quite a few unhappy people. No middle ground. Interesting.

smelcerk 11-04-2014 07:03 PM
Quote:
Originally Posted by Nancy1999 (Post 4503563)
Two types of insurance you are referring to, one is health insurance the other is life insurance. I'm totally against "life insurance" for pets. There are some companies who insure against death, even worse, it's doesn't include death by illness. I really think this type of insurance should be outlawed, I think too many people will allow their dog to have an "accident." We know some people have killed their children for the insurance money, people would do the same thing with pets and there aren't enough laws to really punish them for this.
That is too horrifying to even contemplate and my mind never even thought to go there but I can definitely see what you are talking about. Okay. Life insurance is out.

smelcerk 11-04-2014 07:08 PM
Quote:
Originally Posted by Rachael1983 (Post 4503530)
We have Pets Best for Emma. Very pleased with it.
Glad to hear you are happy with this company as this is the one I am leaning toward. Plan to call them tomorrow. Think I will go with a higher deductible and not really needing the wellness plan as that is all stuff I would pay for anyway. I mainly just want the peace of mind of knowing that I am covered in the case of something catastrophic.


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