I think all insurance companies are Frauds if you ask me, I hate giving money to those bozos, bunch of bozos is what they are.

I would rather pay the money up front for a problem that arises (Rarely a Big problem depending on how you look after your dog), then to give to insurance companies your money.

All the hard earned money you pay to the insurance company, by then you could have already paid for yourself, the only difference is that with insurance there is a chance they may deny your claim or give you a small amount of the deductible, and a BIG chance for this because they only care about money and not your dog.

They will find any excuse in the book to try and cover you as little as possible, those that have had good experience were probably lucky, and I know this because I work for a big Law Firm and deal with these kind of cases for these scum bags all the time.

Insurance
 

Wow! So pet insurance is not for you. I suppose working for a law firm you see the worst of the industry.
I agree, many pet owners would prefer to pay out of pocket for health issues, but also many feel it is worth limiting one's liability should a big expense suddenly crop up.
My last sweet Yorkie died of kidney failure and in the short time in between diagnosis and passing the cost was enormous. Then she was gone! After that I decided to get insurance for my next dog.
I adopted a one year old rescue who seemed very healthy. I was able to immediately get pet insurance as my dog had no issues or pre existings.
In about three months my dog was diagnosed with juvenile cataracts. I was shocked and very depressed at this in a dog so young. I was advised to have the cataract surgery at a cost of $3,500 plus for one eye, the other luckily was ok.
The insurance paid up with no problem and for future illnesses I have never had an issue with the insurance not covering them. So not all insurers are frauds.
I am writing to let pet owners see the other side of your argument. Many here are very happy with the security of insurance coverage, as not all can suddenly come up with thousands of dollars for emergencies or surgeries.
I find it hard to accept your thesis that if one takes good care of one's dog, serious health issues do not occur. Both kidney disease and cataracts are not usually a result of bad or lax care. Certainly not in my experience.
Just another opinion.

Well when I said "All Insurance Companies Are Bad" and "If Taking Good Care Mitigates Risks", was a very generalizing statement and I apologize for that, I meant to say a lot of the times for both statements I made, not All.

Its true accidents can happen anytime and in that case you will get coverage depending on the insurance company, but I wouldn't rely on that hope because a lot of these Insurance companies that the general public don't see behind closed doors are based on Greed and are reluctant to dish out money when the time comes, at least for costly endeavours.

You get cases like other people on this forum reporting of insurance companies playing tricks by vindicating hereditary causes of the animals.

Again, I am only expressing my Personal opinion here, if you or anyone else feels like Pet Insurance is the right move, then by all means, but I feel like its my obligation to warn people.

insurance
 

I think a lot of trouble arises as some do not read the rules and conditions of coverage carefully enough. Choosing an insurer is a complex and time consuming process and it is hard to compare apples-and-apples coverage with different companies. For example, some cover hereditary issues, some do not. There are so many pitfalls for the unwary, as most of us are when we first search, but many here ask for advice and experiences and get good insurance as a result.
The important thing is to insure a dog young before it shows any health pre-existings, then the results are usually ok.

wow, I have never heard of this type of insurance, gotta look into this

does any insurance cover vet visits?

Vet visits
 

As far as I know, most do not. But I believe there are a few insurers who do. But I would think that this coverage would be reflected in higher premiums? Others who have this coverage will hopefully give their experiences.
Usually vet visit costs are relatively small compared with meds, tests, and treatment, and are predictable.
As I mentioned before, one has to read the terms carefully as coverage varies so much.

Some insurance charges a $25 premium to add wellness checks. It did include other items as well. You need to figure out how much your pet sees the vet and if it is worth the added cost. If I ever get another dog I may chose to go with a different insurance that covers wellness checks and vaccines. I think for me I see a cost benefit. Also I can't remember which insurance but one even covered dental cleanings with the added expense.

Soo does Healthy Paws ask you for every Vet you've brought your dog too? I brought my dog to a vet for diarrhea and don't want to bring that up because of the whole pre-existing thing

Yes, the insurance company will ask for all records. The only way around that is if you went to a different doctor you could just not give those records to the company. Also make sure your current vet does not state had diarrhea before the insurance kicked in.

Yea good thing I'm a vet hopper Lol I've gone to Petco for most of his vaccinations and went to this Vet and got him vaccinated for kennel cough and went to another Vet for his diarrhea and now I'm going to another vet to get a clean bill of health and a quote for teeth extractions. So I don't necessarily need to mention that since that's all i went there for. Cool thanks:thumbup:

I currently have PetPlan for 3 of my pups. I just filed claims for 2 of them and will decide if I stay with them depending on outcome. One claim is really for surgery and the other is for Dermatology but I sent in claim work for everything including dentals and wellness checks since my vets filled out the paperwork. Will see???

We chose Petulant and have used it for her knee's, allergies and one other thing. All claims paid, everything so easy., we figured we would spend about $3,500 for the insurance over 10 Years and Colby is 2 1/2 years old and already the insurance has paid close to that amount. What's your peace of mind worth ?