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11-04-2015, 12:40 PM | #1 |
Senior Yorkie Talker Join Date: Jan 2015 Location: Montebello, CA, USA
Posts: 225
| Pet Insurance Anyone have info or suggestions on what to look for, etc?? I'm considering purchasing Pet Insurance for my 11 month old furbaby...... pros / cons ? What's covered, no covered, pre-existing condition(s), etc. |
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11-04-2015, 01:09 PM | #2 |
Senior Yorkie Talker Join Date: Sep 2015 Location: Covina, CA
Posts: 154
| Hi there, I was considering too, but I have read really nasty reviews on yelp on these pet insurances that claim that they are very good...they seem to blame everything on pre-existing medical conditions and end up not covering anything...I would also like and see what others here have experienced with pet insurances??? |
11-04-2015, 02:02 PM | #3 | |
Senior Yorkie Talker Join Date: Jan 2015 Location: Montebello, CA, USA
Posts: 225
| Quote:
Exactly... I don't like the term "pre-existing".... my dog was tested for pancreas issue but wasn't diagnosed.. so I'm wondering if later something did happen; even though not diagnosed just tested... if their going to consider this pre-existing? Especially since they require dog medical records for past year? | |
11-04-2015, 02:22 PM | #4 |
Donating YT Addict Join Date: Aug 2010 Location: SW USA
Posts: 2,505
| Pet insurance I am very glad that I got pet insurance for the boy I adopted when he was one year old. I took him to the vet for tests and exam as a baseline, and then insured him. He was fine then. Although he had no history, as he was a rescue, before I adopted him, that was ok. Six months later he had to have cataract surgery that cost over $3500, but the insurance covered and paid up without question. It is a good idea to insure as young as possible or as soon as you adopt the dog to lessen the preexisting issue. I have Trupanion and another good one is Healthy Paws I believe. These were chosen after much research as there are so many conditions and coverage variables. You can go to the websites and compare coverage and exclusions, and prices. Make sure you compare apples with apples! Both the above insurers cover hereditary conditions. You can choose a deductible to get the premium that suits you. The above insurers do not cover routine things like dentals, flea and worm meds and vet visits. But there are some insurers who cover these wellness issues I think. Depends what coverage you wish. Good luck and happy hunting! |
11-04-2015, 02:24 PM | #5 | |
Senior Yorkie Talker Join Date: Jan 2015 Location: Montebello, CA, USA
Posts: 225
| Quote:
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11-04-2015, 02:31 PM | #6 |
Donating YT Addict Join Date: Aug 2010 Location: SW USA
Posts: 2,505
| Pancreas testing? I would think that if there was no pancreatitis diagnosis, it would not be preexisting. But you could call the company with any questions you have to make sure . Once you are accepted as 'clean' there is no further checking of medical records. My dog did have pancreatitis after I signed him up and if he had it again, it would be covered. I even get him tested if I think he may have it when he has a tummy upset, and they cover the tests! |
11-04-2015, 02:32 PM | #7 | |
Senior Yorkie Talker Join Date: Sep 2015 Location: Covina, CA
Posts: 154
| Quote:
Yeah, see, hopefully they do not consider it pre-exisiting...I want to get one for my baby she is 4 months and has a cold right now...I wonder if I get her the insurance and in a few months she has something else they somehow would want to link it to a pre-existing...I have read a few here that say that some vets dont even recommend and you should just open a bank account for your pet expense...but who really does that right? Let me know if you do and how it goes! | |
11-04-2015, 02:40 PM | #8 |
Donating YT Addict Join Date: Aug 2010 Location: SW USA
Posts: 2,505
| Insurance Often I read here that a pet has symptoms and the moms/ dads leave it for days to see what happens,.......especially if funds are tight. If you have insurance it is more likeLy you would see the vet earlier and get tested and diagnosed before the situation gets worse. As you see, I do find insurance very helpful, and my experiences have been good. And no I do not get commission for suggesting you get insurance! LoL! |
11-04-2015, 02:42 PM | #9 | |
Senior Yorkie Talker Join Date: Jan 2015 Location: Montebello, CA, USA
Posts: 225
| Quote:
I'm considering $250 deductible for $35 / month for my 11 month old girl. and yes, she's spayed! It would be a peace of mind just for future. | |
11-04-2015, 02:43 PM | #10 |
Senior Yorkie Talker Join Date: Jan 2015 Location: Montebello, CA, USA
Posts: 225
| Dotti Thanks.. I agree. Better safe than sorry... as I'm finding out, it can be expensive! |
11-04-2015, 02:45 PM | #11 | |
Senior Yorkie Talker Join Date: Sep 2015 Location: Covina, CA
Posts: 154
| Quote:
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11-04-2015, 02:47 PM | #12 |
Donating YT Addict Join Date: Aug 2010 Location: SW USA
Posts: 2,505
| Insurance I don't think you will regret it, but hope you never need it When we first get our pet we don't expect them to get sick, but if they do it sure can get expensive! |
11-04-2015, 02:55 PM | #13 |
Senior Yorkie Talker Join Date: Sep 2015 Location: Covina, CA
Posts: 154
| do you have to pay to sign up ??? |
11-04-2015, 03:00 PM | #14 |
Donating YT Addict Join Date: Aug 2010 Location: SW USA
Posts: 2,505
| Sign up Sorry I can't remember, but don't think so. By the way they have a 30 day waiting period for coverage, so don't let your dog get sick until that time has passed |
11-04-2015, 03:00 PM | #15 |
Senior Yorkie Talker Join Date: Jan 2015 Location: Montebello, CA, USA
Posts: 225
| $35 one time fee.... still well worth it.. just for testing I'm already at $2,000 so this is a big investment of $35 There's others out there, but read reviews and seems legit. 5 day accident coverage and 30 days waiting period claims usually processed in 60 days... |
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