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-   -   VPI pet insurance? (https://www.yorkietalk.com/forums/yorkie-health-diet/182347-vpi-pet-insurance.html)

ally173 08-24-2009 11:52 AM
VPI pet insurance?
 
my dog was admitted to the hospital twice since last september for throwing blood; they suspect gastritis. anyway i have spent thousands of dollars on her in the hospital. i do have the banfield insurance which i use for vet visits and vaccination; however i am concerned that i wont be able to afford another emergency hospital visit. so i was looking the VPI pet insurance Dog Insurance and i am confused of which plan to choose. i don't want to pay a large amount of money monthly; however i do want to have the basics for whenever she needs to be admitted to the hospital. can anyone recommend or share if they have the VPI insurance. which plan should i get and would this insurance work in new jersey at any vet or any hospital? thanks much

Krystee 08-24-2009 11:56 AM
I don't have pet insurance but I'm worried that that would be a pre-existing illness. Hopefully someone else will have a better answer for you :)

ARCHIE 08-24-2009 11:58 AM
I have VPI for Buddy. I was very pleased with the refund after using it for
the first time after three years of having it.
I have the Superior Plan. It's $28.17 a month. We live in NY.
There is a deductable of $50.00 per incident. If the treatment for
one injury goes onto several visits they will continue to refund you
without another deductable.
It does not pay for yearly office visits, shots, flea meds etc. I wanted it for
emergencies only. I am happy with it. Refund came within 3 wks.

Izzy Princess 08-24-2009 12:00 PM
Yup sorry to say you now have a pre-exisiting condition. Trust me I wish I would have gotten insurance too since Izzy has been sick 4 times since last November and we spent thousands on her to save her. Unless there is an insurance company out there that takes pre-existing I say we are out of luck on this one. Only thing is that most vets now have that pet credit card and I can't think of the name of it but you can apply at your vet's office and make monthly payments next time that happens.

Oh and so sorry to hear about your baby I know how you feel. Izzy has pancreatitis/SIBO/IBD.:(

ally173 08-24-2009 12:05 PM
Quote:
Originally Posted by Izzy Princess (Post 2770719)
Yup sorry to say you now have a pre-exisiting condition. Trust me I wish I would have gotten insurance too since Izzy has been sick 4 times since last November and we spent thousands on her to save her. Unless there is an insurance company out there that takes pre-existing I say we are out of luck on this one. Only thing is that most vets now have that pet credit card and I can't think of the name of it but you can apply at your vet's office and make monthly payments next time that happens.

Oh and so sorry to hear about your baby I know how you feel. Izzy has pancreatitis/SIBO/IBD.:(
thanks for the input; however how would VPI know about the pre-existing condition. they didnt really diagnos her; they wouldn't know what it was; she was throwing up so they suspect gastritis; what if next time she's sick i take her to different hospital and then use the vpi insurance; would this still count as pre-existing condition. i am still confused on how they determine or know if a pet has a pre-existing condition; do they ask for your vet's chart? if so , then yeah; she has tons of visit with similar problems; diahreah, vomiting,........ u name it :)

TresCutePiggies 08-24-2009 12:09 PM
Quote:
Originally Posted by Izzy Princess (Post 2770719)
Yup sorry to say you now have a pre-exisiting condition. Trust me I wish I would have gotten insurance too since Izzy has been sick 4 times since last November and we spent thousands on her to save her. Unless there is an insurance company out there that takes pre-existing I say we are out of luck on this one. Only thing is that most vets now have that pet credit card and I can't think of the name of it but you can apply at your vet's office and make monthly payments next time that happens.

Oh and so sorry to hear about your baby I know how you feel. Izzy has pancreatitis/SIBO/IBD.:(
I believe it's called Care Credit.

I am looking into PetPlan Insurance myself...not sure how it ranks against VPI.

ARCHIE 08-24-2009 12:12 PM
Quote:
Originally Posted by ally173 (Post 2770730)
thanks for the input; however how would VPI know about the pre-existing condition. they didnt really diagnos her; they wouldn't know what it was; she was throwing up so they suspect gastritis; what if next time she's sick i take her to different hospital and then use the vpi insurance; would this still count as pre-existing condition. i am still confused on how they determine or know if a pet has a pre-existing condition; do they ask for your vet's chart? if so , then yeah; she has tons of visit with similar problems; diahreah, vomiting,........ u name it :)

Why does your baby get the diareaha and vomit so much?
I'm not sure if this would be considered pre-existing.
That could be diet based as well.
I would think kidney problems, L/P etc would be.
You have nothing to loose, apply and find out.
I would.

Izzy Princess 08-24-2009 12:13 PM
Quote:
Originally Posted by ally173 (Post 2770730)
thanks for the input; however how would VPI know about the pre-existing condition. they didnt really diagnos her; they wouldn't know what it was; she was throwing up so they suspect gastritis; what if next time she's sick i take her to different hospital and then use the vpi insurance; would this still count as pre-existing condition. i am still confused on how they determine or know if a pet has a pre-existing condition; do they ask for your vet's chart? if so , then yeah; she has tons of visit with similar problems; diahreah, vomiting,........ u name it :)
Yes they ask for your vet's records on your pet.

littlepixie12 08-25-2009 08:07 AM
I did alot of research on insurances before I decided to go with PetPlan. They cover ALOT of stuff, most of which other insurances do not cover. Be wary of VPI they have a lot of exclusions - you have to read the fine print.

Embrace was my second choice and they are cheaper but I went with PetPlan because I could choose the copay/reimbursement level that I wanted and also the coverage is higher overall.

Not sure if they would cover your baby with the gastritis now though because that would be a pre-exsiting condition unless she goes to the hopsital for an unrelated condition. Although basically anything directly resulting from gastritis would not be covered now.

ally173 08-25-2009 08:37 AM
Quote:
Originally Posted by littlepixie12 (Post 2772169)
I did alot of research on insurances before I decided to go with PetPlan. They cover ALOT of stuff, most of which other insurances do not cover. Be wary of VPI they have a lot of exclusions - you have to read the fine print.

Embrace was my second choice and they are cheaper but I went with PetPlan because I could choose the copay/reimbursement level that I wanted and also the coverage is higher overall.

Not sure if they would cover your baby with the gastritis now though because that would be a pre-exsiting condition unless she goes to the hopsital for an unrelated condition. Although basically anything directly resulting from gastritis would not be covered now.
thanks for your input; does petplan also request vet records; i am assuming all insurance request vet records, correct? so i am out of luck then

littlepixie12 08-25-2009 09:25 AM
Quote:
Originally Posted by ally173 (Post 2772213)
thanks for your input; does petplan also request vet records; i am assuming all insurance request vet records, correct? so i am out of luck then
Well they havent asked me to submit my vet records but they make you fill out a declarations page with vet's info and they ask you fill out any pre-existing conditions that the dog may have, so if she goes in for something they will probably request records from the vet then, and they will void the insurance if they find out that she had it before.

But its worth checking out anyway, because she was diagnosed officially right? I would def ask them (their CS is great over the phone). Also, you never know, its good to have in case of emergences.
HTH!

2dogsandachick 08-25-2009 09:27 AM
When my mom insured her chi with VPI she had a pre-existiing condition. I believe she had to go a full year with no vet visits pertaining to that.

However, VPI often considers an illness a pre-existing condition from one policy year to the next, even if coverage was continuous; think cancer diagnosis in December, policy renewal in January, and then that cancer being pre-existing.

I chose left VPI for Embrace for that reason.

ally173 08-25-2009 09:48 AM
Quote:
Originally Posted by littlepixie12 (Post 2772267)
Well they havent asked me to submit my vet records but they make you fill out a declarations page with vet's info and they ask you fill out any pre-existing conditions that the dog may have, so if she goes in for something they will probably request records from the vet then, and they will void the insurance if they find out that she had it before.

But its worth checking out anyway, because she was diagnosed officially right? I would def ask them (their CS is great over the phone). Also, you never know, its good to have in case of emergences.
HTH!
the vet kept saying he's doesnt know what she has; that more tests are needed to determine the exact illness; however he suspect gastritis; so i am guessing it's not a 100% diagnosis and thus not a pre-existing condition.
by the way which plan did you choose from petplan?
thanks for your help

ally173 08-25-2009 09:52 AM
Quote:
Originally Posted by 2dogsandachick (Post 2772269)
When my mom insured her chi with VPI she had a pre-existiing condition. I believe she had to go a full year with no vet visits pertaining to that.

However, VPI often considers an illness a pre-existing condition from one policy year to the next, even if coverage was continuous; think cancer diagnosis in December, policy renewal in January, and then that cancer being pre-existing.

I chose left VPI for Embrace for that reason.
which plan from embrace did you pick; thanks

littlepixie12 08-25-2009 09:56 AM
Quote:
Originally Posted by ally173 (Post 2772302)
the vet kept saying he's doesnt know what she has; that more tests are needed to determine the exact illness; however he suspect gastritis; so i am guessing it's not a 100% diagnosis and thus not a pre-existing condition.
by the way which plan did you choose from petplan?
thanks for your help
I just called them and they said that they only request the vet records if you submit a claim with them, so if she goes in for something and they see that they suspected it was gastritis it may not be covered. But if its treatable, then the next policy year, she should be covered.

I chose the silver plan for now cause Maxi is still a puppy but I think when he gets older, I will change to the highest one.


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