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-   -   Pet Health Insurance (https://www.yorkietalk.com/forums/general-yorkshire-terrier-discussion/34658-pet-health-insurance.html)

lillyrican 03-09-2006 05:44 AM
Pet Health Insurance
 
Question?
How many of you have health insurance on your pets? I am thinking about getting health insurance for Teddy. I went online and found VPI Pet Insurance. Just wondering if any of you had heard of them, or if any of you can recommend a good pet insurance company. It seems that when our babys get sick it can be pretty expensive. So I figured if I have health insurance why not my Teddy too? :rolleyes:

Cherry 03-09-2006 06:33 AM
I have VPI. I think I pay like $30 a month. I have not had anything serious happen (and I hope not to) but an example of what they cover. I took Diezel to get neuroterd and he needed 5 wolf teeth pulled the total was $600. Included everything, visit, anethesia, meds and surgery. I have been told that my vet is expensive. But still the insurance only covered $85. I would look into it more then I did.

yorkiepip 03-09-2006 06:34 AM
I have pet insurance!
I hope its better in the USA than here in UK as i made a claim in november for Jakes operation and still not recieved anything :eek:

carleirulesme 03-09-2006 06:36 AM
I have VPI as well and I have yet to receive a check. I would suggest looking for a better company perhaps...... I may after I get my reimbursement.

Cherry 03-09-2006 06:39 AM
Quote:
Originally Posted by carleirulesme
I have VPI as well and I have yet to receive a check. I would suggest looking for a better company perhaps...... I may after I get my reimbursement.
My baby was fixed in January and I just got the check yesterday! Meanwhile, my client said he recieved his 1 month later and for almost the full amount he paid. I think I might have to find out what insurance he uses.

carleirulesme 03-09-2006 06:43 AM
Wow, and they say a check back in 2 weeks. I hate insurance companies. anyway, yeah I'd find out what that gentleman uses, and let us know!!! I'd love to switch to a better company, then I wouldn't feel used and like my money is going to a waste.

heather_lathrop 03-09-2006 06:45 AM
sometimes I think that since pet insurance has not been around for very long that its just one of those things that will improve overtime. I had looked into getting it a little bit. But was never able to get any information concerning exactly what was covered. If I get it I want to make sure that it covers more than just emergency care. And I think the one that I was looking at only covered accidental injury.

carleirulesme 03-09-2006 06:51 AM
Quote:
Originally Posted by heather_lathrop
sometimes I think that since pet insurance has not been around for very long that its just one of those things that will improve overtime. I had looked into getting it a little bit. But was never able to get any information concerning exactly what was covered. If I get it I want to make sure that it covers more than just emergency care. And I think the one that I was looking at only covered accidental injury.
VPI basically claims that they pay more out to you if you go in for an emergency. If you get a plan called Superior you get a limitations on coverage and a choice of what you want done. For example. You choose between a nueter, microchip or teeth pull. ONLY ONE A YEAR! and they only cover in my state supposedly $65 of one of those options. I hear it's best to try to do all 3 at one time to save pup a lot of pain... imagine how much that'd cost, plus the pain the little guy would go through if waited to do all 3 once for the next 3 years...

natalie05 03-09-2006 07:11 AM
I've had VPI for my puppy since I got him, but my mom and dad have had it for a long time for their dog. They're pretty good. I had done research and didn't find anything at their price that covers as much as they do. I pay $37/month for superior with vaccination. The vaccination is an addition to the policy for shots and day-to-day stuff which is pretty good. Although it doesn't cover everything, it costs me $95 for the year and will cover over $150, so for me its worth it. It definitely helps. I will probably take it off for the second year since it won't be worth the money. In emergencies it covers up to $14000 a year and i believe $4500 per incident, minus a $50 deductible. My parents have used it several times when their poodle swallowed something or acted funny (they are crazy dog owners too :p ). If someone finds a better plan please post, but I was not able to find something.

Hope this helps. If you need any more info feel free to PM me since I have all the policy info and several years of experience with VPI.

-Natalie

CTYorkie 03-09-2006 07:04 PM
We just got VPI & have no claims experience yet so I can't help you there. None of them are tremendous in MHO but every little bit helps and we like the idea of the coverage if there were an accident...

I just wanted to add that our new vet gave us a puppy packet with a brochure from the IAMS company. It had a coupon code for 2 mos. free premium on VPI. If you end up with VPI, you might ask your vet for the coupon.

Patti 03-09-2006 07:19 PM
I have VPI and sent in over 1,500 in bills from 4 visits in one week for a couple of different conditions and they denied all of them. As soon as I get a chance I will call and dispute a couple of the conditions they won't cover. So far I do not think it's worth it. they seem to have an out for everything

simonandhallie 03-09-2006 07:33 PM
I have had VPI for 2 years and have never had any problems. The longest I have ever waited for reimbursement was 3 weeks (I fax all my claims) and when Simon had surgery last year they paid all but $300 (and it was a lot). They have also covered prescription food, flea and tick meds, vaccinations, and all medications. They also have a multi-pet discount that helps :)


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