|
Welcome to the YorkieTalk.com Forums Community - the community for Yorkshire Terriers. You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. You will be able to chat with over 35,000 YorkieTalk members, read over 2,000,000 posted discussions, and view more than 15,000 Yorkie photos in the YorkieTalk Photo Gallery after you register. We would love to have you as a member! Registration is fast, simple and absolutely free so please, join our community today! If you have any problems with the registration process or your account login, please click here to contact us. |
|
| LinkBack | Thread Tools |
04-11-2007, 01:33 PM | #16 |
Puppy Luv Donating Member Join Date: Feb 2005 Location: Canada
Posts: 2,678
| So sorry to hear you are going through this. I am re-posting my post from a previous thread about pet insurance In another forum I go to people said that they were not happy with their pet insurance. Many companies do not covered such things as your dog being hit by a car. They also do not pay for any illnesses that they claim are genetic/hereditary and a lot of the time if your dog or cat comes down with something the insurance company refuses to pay saying it is a pre-existing condition. Also they have caps on the amount it will pay on any illness or injury per year. So if your animals medications for something cost $500 a year the insurance may only cover $100. The thing about pet insurance is that most health problems are considered genetic/hereditary or congenital - in other words, not covered by the insurance. So if those are your biggest concerns, you might as well put the premium amount into an emergency savings account for the dog (separate from your household emergency savings account). If you're biggest concerns are accidents like sprains and strains, breaks, etc., then the insurance might be worth considering; it seems most accidents of that nature happen in a puppy's first year, so really the ideal would be to get the insurance *and* also contribute to an emergency savings account, so that in a year or two you'll have enough savings to be able to drop the insurance and still cover what they would have paid from the savings. |
Welcome Guest! | |
04-11-2007, 02:32 PM | #17 |
Donating YT 30K Club Member | I spent 6,000 on Cali the first 6 months I had her for various episodes of Hypoglycemia and Liver shunt and possible intestinal blockage. I have VPI. They paid close to 1,500. or so. But the hypoglycemia was considered preexisting as she had her first episode a few days prior to her effective date and they denied charges for the Liver shunt as genetic. AT first they denied everything but after talking to a Manager and having everything reconsidered they covered the 1500.00. I worked in Group Health Insurance Claims and always demand a Manager and threaten to write or call the president they usually will reconsider and pay something. Good luck.
__________________ Cali Pixie Roxie : RIP Nikki; RIP Maya;RIP my sweet Dixie girl 1/17/08 http://callipuppyscastle.bravehost.com/index.html |
04-11-2007, 03:22 PM | #18 |
I Love My Monkeys! Join Date: Mar 2005 Location: Falling Waters, WV
Posts: 11,166
| I'm so sorry you are having so many problems with them. I have had them for years and they have always been very good to me. They paid about 85% of Simon's surgeries and are always available when I call their customer service line. I hope it was just an error as previously mentioned and I hope you are able to recover some of the cost. |
Bookmarks |
|
|
| |
|
|
SHOP NOW: Amazon :: eBay :: Buy.com :: Newegg :: PetStore :: Petco :: PetSmart