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-   -   Pet Insurance (https://www.yorkietalk.com/forums/sick-injured-emergencies-talk/278069-pet-insurance.html)

sophiesmominva 08-27-2014 05:42 AM
Pet Insurance
 
Tried to look for another thread on this subject but could not find any. Although it is too late to get insurance for my puppy for her upcoming surgery; am thinking about getting it in the future.

Can anyone provide feedback on pet insurance and possibly recommend a company? Basically I am just looking for insurance to help cover costs for major stuff, should they arise. Thank you so much.

jadabug 08-27-2014 06:38 AM
What type of surgery? I have embrace and if you take the wellness option, on top of their regular coverage, the wellness is in effect immediately. There is ,I think a 14 day wait period on accidents and illness. If you are having her spayed it's covered under wellness. I have the 500.0 deductible and wellness the total for my two dogs is around 79.00 monthly. I just did their annual checkups and bought a 6 month supply of sentinel for each dog. I was reimbursed 100% of the cost. It took about 10 days to get my check in the mail. I highly recommend them
www.embrace.com

sophiesmominva 08-27-2014 06:59 AM
Quote:
Originally Posted by jadabug (Post 4481500)
What type of surgery? I have embrace and if you take the wellness option, on top of their regular coverage, the wellness is in effect immediately. There is ,I think a 14 day wait period on accidents and illness. If you are having her spayed it's covered under wellness. I have the 500.0 deductible and wellness the total for my two dogs is around 79.00 monthly. I just did their annual checkups and bought a 6 month supply of sentinel for each dog. I was reimbursed 100% of the cost. It took about 10 days to get my check in the mail. I highly recommend them
www.embrace.com
Thank you; will check them out. I do have a wellness plan with Banfield that covers all shots, spaying, dental, etc. but of course testing is additional unless related to spaying. My 6 month old puppy needs surgery for possible shunt. Although the shunt has not been diagnosed; her having a liver issue has been diagnosed; we just don't know exactly what it is until surgery done. A few plans I looked at said they don't cover pre-existing conditions. Thank you again and will look at it in depth!

Maximo 08-27-2014 07:05 AM
Here is one resource on pet insurance plans:

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

Here is a thread about Healthy Paws insurance, and a couple others are mentioned:

www.yorkietalk.com/forums/general-yorkshire-terrier-discussion/273216-trying-choose-insurance-company-healthy-paws-pet-plan.html

sophiesmominva 08-27-2014 07:17 AM
Thank you so much! So far, a couple I looked at said that if a dog is showing symptoms of a disease (documented on vet records) but disease has not been diagnosed; it is still considered a pre-existing condition. :(

jadabug 08-27-2014 08:27 AM
Quote:
Originally Posted by sophiesmominva (Post 4481521)
Thank you so much! So far, a couple I looked at said that if a dog is showing symptoms of a disease (documented on vet records) but disease has not been diagnosed; it is still considered a pre-existing condition. :(
I think you will have a hard time finding insurance that would cover her liver issue at this point. Praying you have luck

Wylie's Mom 08-27-2014 08:42 AM
I used to have PetPlan but now have Healthy Paws on all 3 of mine. I like the way they do their deductibles. Both companies are good, but I think HP is better in terms of why they raise their rates.

sophiesmominva 08-27-2014 08:49 AM
Quote:
Originally Posted by jadabug (Post 4481556)
I think you will have a hard time finding insurance that would cover her liver issue at this point. Praying you have luck
I agree but want, rather NEED to be covered for anything in the future.

gemy 08-27-2014 03:38 PM
Allright what you need to find out from Insurance Companies and be up front about the |liver issues - is what will or will not be covered going forward.

And trust me, there can be a whole lot of other issues that can arise in the health of a dog long term, un-related to a possible MVD or LiverShunt.

For now you are basically un-insured for what-ever Liver problem may be present in your gal.

But there are a whole lot of other things health wise that can go wrong:

eye disease - PRA, Cataracts, are too that spring to mind

Orthopaedic issues - arthritis in any joint, don't know how old your dog is , but Leggs Calves Perthes, HD, ED, LP to name a few.

Hypothyroidism

Cancer of any nature

CT as yet un-diagnosed

Diabetes

Cushings

Allergies

The list is large, and hopefully most if not all of these conditions would be covered through insurance, despite a pre-diagnosed Liver problem

appleJAX 08-28-2014 08:20 AM
Quote:
Originally Posted by Maximo (Post 4481513)
Here is one resource on pet insurance plans:

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

Here is a thread about Healthy Paws insurance, and a couple others are mentioned:

www.yorkietalk.com/forums/general-yorkshire-terrier-discussion/273216-trying-choose-insurance-company-healthy-paws-pet-plan.html

:thumbup::thumbup::thumbup: Thanks for posting this link. I'm going to look into insuring Jax with Healthy Paws after his check-up in September.

mama to JAX:animal37 Johcee:cat: Lucee:cat: "KLOEE":rbyorkie:RIP

appleJAX 08-28-2014 08:24 AM
Quote:
Originally Posted by Wylie's Mom (Post 4481562)
I used to have PetPlan but now have Healthy Paws on all 3 of mine. I like the way they do their deductibles. Both companies are good, but I think HP is better in terms of why they raise their rates.
:thumbup::thumbup::thumbup: Healthy Paws looks like the way to go for my Jax

mama to JAX:animal37 Johcee:cat: Lucee:cat: and "KLOEE":rbyorkie:RIP


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