Pet Insurance or Not... That is the question! - Page 2 - YorkieTalk.com Forums

carmen in nj · 01-02-2010, 11:20 AM

My Prada is only 1.5 but she did brake her leg when she was 18 weeks and they paid a good chunck of her bill, she did not need surgery since it was a clean brake. that thank God has been my only big claim, the other claim was her spay and yearly vaccines and heartworm, and i had no problem with that , my oldest dog is 8 yrs old and he still paying the same ammount as when I started him, he is pretty healthy and again he goes for his yearly visits..

dwerten · 01-02-2010, 11:21 AM

Quote:

Originally Posted by YorkieMom6

I have been considering pet insurance as well. The one I was looking at was VPI however, after reading other member posts - it appears that Embrace may be better and it allows you to adjust the cap and deductibles to what you prefer.

Hope that helps.

i called on this one after my dex had pancreatitis and we spent 10k and they said they only pay up to $500 for pancreatitis and since he is a yorkie and it is on the list of possibilities for a yorkie they would not cover due to purebred rider

so it would have cost me more money as he was healthy until 2 so i would have paid 2 years of pet insurance and then they would not have covered much.

dwerten · 01-02-2010, 11:23 AM

Quote:

Originally Posted by carmen in nj

My Prada is only 1.5 but she did brake her leg when she was 18 weeks and they paid a good chunck of her bill, she did not need surgery since it was a clean brake. that thank God has been my only big claim, the other claim was her spay and yearly vaccines and heartworm, and i had no problem with that , my oldest dog is 8 yrs old and he still paying the same ammount as when I started him, he is pretty healthy and again he goes for his yearly visits..

i think it is great for non-predisposed things like breaks etc but if it is a breed specific disease make sure they cover those like liver shunt, allergies, leg perthes, luxating patella, etc for the yorkie breed - oh and AAI

jacs0517 · 01-02-2010, 11:28 AM

good point, I'll make sure they cover all the yorkie issues - and there are a few...

carmen in nj · 01-02-2010, 11:33 AM

Quote:

Originally Posted by dwerten

i think it is great for non-predisposed things like breaks etc but if it is a breed specific disease make sure they cover those like liver shunt, allergies, leg perthes, luxating patella, etc for the yorkie breed - oh and AAI

I think that VERY few insurances will cover genetic and pre disposed diseases. and the cost must be incredible..
I have no idea, since I did not had to deal with anything like that..
Best of luck in your search..

dwerten · 01-02-2010, 11:40 AM

Quote:

Originally Posted by jacs0517

good point, I'll make sure they cover all the yorkie issues - and there are a few...

oh yeah i was told by the vpi guy that they check the akc breed list and the veterinary medical journal as well for what that breed is predisposed to and then they do not cover it and with cancer rider it was $650 a year so i passed

samsonite · 01-02-2010, 11:42 AM

Ive had Vet Insurance for a little over 6 months. I have not seen my rate go up and I read that the rate only goes up when veterinary cost rise. I made one claim and I was not charged more because i made the claim....you can call customer service to get details about the policies and questions. I did that when I was doing research and they were really nice to me!

YorkieMom6 · 01-02-2010, 12:20 PM

I think Petplan will work best for us. We can opt for the $50 per incident deductible and 100% coverage and it does cover breed specific congenital and hereditary illnesses. I recognize that if I go to the ER or a specialist the copay is 30% but that is still reasonable in my opinion as they will cover up to 20k per year and it will cost us less than $40 a month. That with additional savings should cover us well.

Thanks for input and experience.... as with family health insurance, we all have different situations, needs and concerns.

Most importantly - we are being proactive in planning and preparing for the care of our furbabies.

Good luck to all in their search!

MeganS · 01-02-2010, 02:25 PM

I *wish* we could get Pet Insurance for Tucker. But a couple years ago he had some bumps removed that turned out to be cancerous, and I don't think they cover pets that have had cancer, do they?

nneessaa · 01-02-2010, 02:34 PM

I think if I do get insurance I'll go with pet plan, it has the best reviews. Still doing more research, though.

jacs0517 · 01-02-2010, 04:19 PM

insurance companies will probably still cover tucker, but not for cancer.

vwill · 01-02-2010, 06:12 PM

Quote:

Originally Posted by nneessaa

I think if I do get insurance I'll go with pet plan, it has the best reviews. Still doing more research, though.

I've been really happy with Pet Plan. I think they have very helpful and professional customer support. They have also paid claims really quickly. I got the insurance for an emergency or unexpected issue that could come up. I know from my first yorkie how quickly an emergency fund can be drained (and then some). I currently have three yorkies, so I want to be sure all THREE are completely covered. I keep a credit card specifically for vet emergencies, and I would hope the insurance would reimburse for the emergency.

elle57 · 01-08-2010, 05:11 AM

after doing research on all of the insurance's , i will go with trupanion.

delijo · 01-14-2010, 05:09 PM

My Yorkie had pancreatis twice. Each time it cost over $2000. Our PetPlan insurance paid all but the $200 deductable. My premiums are a little over $300 a year. The reimbursement check came right away and the insurance company even called to see how she was doing. I highly recommend PetPlan.

YorkieMom6 · 01-14-2010, 05:11 PM

Quote:

Originally Posted by delijo

My Yorkie had pancreatis twice. Each time it cost over $2000. Our PetPlan insurance paid all but the $200 deductable. My premiums are a little over $300 a year. The reimbursement check came right away and the insurance company even called to see how she was doing. I highly recommend PetPlan.

Good to know - PetPlan is the one we went with. Hopefully just having the insurance tho will mean I never have to use it ... God willing.

01-02-2010, 11:20 AM	#16
carmen in nj Donating YT 4000 Club Member Join Date: Dec 2008 Location: Hopatcong, NJ, USA Posts: 4,615 Blog Entries: 74	My Prada is only 1.5 but she did brake her leg when she was 18 weeks and they paid a good chunck of her bill, she did not need surgery since it was a clean brake. that thank God has been my only big claim, the other claim was her spay and yearly vaccines and heartworm, and i had no problem with that , my oldest dog is 8 yrs old and he still paying the same ammount as when I started him, he is pretty healthy and again he goes for his yearly visits.. __________________ My Etsy shop is OPEN... Carmen in nj

01-02-2010, 12:20 PM	#23
YorkieMom6 ♥ Luv Zoey & Austen! ♥ Donating Member Join Date: Sep 2009 Location: Kansas City, MO, USA Posts: 2,015	I think Petplan will work best for us. We can opt for the $50 per incident deductible and 100% coverage and it does cover breed specific congenital and hereditary illnesses. I recognize that if I go to the ER or a specialist the copay is 30% but that is still reasonable in my opinion as they will cover up to 20k per year and it will cost us less than $40 a month. That with additional savings should cover us well. Thanks for input and experience.... as with family health insurance, we all have different situations, needs and concerns. Most importantly - we are being proactive in planning and preparing for the care of our furbabies. Good luck to all in their search! __________________ Denise, Zoey, and Austen Dear Jazzy & Sasha forever in our hearts There is no psychiatrist in the world like a puppy licking your face. ~Ben Williams

01-02-2010, 02:25 PM	#24
MeganS Donating YT 7000 Club Member Join Date: May 2005 Location: New Jersey Posts: 12,016 Blog Entries: 1	I wish we could get Pet Insurance for Tucker. But a couple years ago he had some bumps removed that turned out to be cancerous, and I don't think they cover pets that have had cancer, do they? __________________ Megan "I have my dreams, I have made plans." - The Pirate Queen All Gave Some; Some Gave All

01-02-2010, 02:34 PM	#25
nneessaa YT 500 Club Member Join Date: Oct 2008 Location: Cupertino, CA, USA Posts: 516	I think if I do get insurance I'll go with pet plan, it has the best reviews. Still doing more research, though. __________________ Vanessa & Scruffs (2 year old Yorkie) RIP My Little Neu (16 year old Cocker Spaniel)

01-08-2010, 05:11 AM	#28
elle57 YT Addict Join Date: Sep 2006 Location: douglaston ny Posts: 498	trupanion seems like the best after doing research on all of the insurance's , i will go with trupanion.

01-02-2010, 11:28 AM	#19
jacs0517 Donating Senior Yorkie Talker Join Date: Feb 2009 Location: Ontario, Canada Posts: 107	good point, I'll make sure they cover all the yorkie issues - and there are a few...

01-02-2010, 11:42 AM	#22
samsonite Yorkie Talker Join Date: Sep 2009 Location: Seattle, WA. USA Posts: 23	Ive had Vet Insurance for a little over 6 months. I have not seen my rate go up and I read that the rate only goes up when veterinary cost rise. I made one claim and I was not charged more because i made the claim....you can call customer service to get details about the policies and questions. I did that when I was doing research and they were really nice to me!

01-02-2010, 04:19 PM	#26
jacs0517 Donating Senior Yorkie Talker Join Date: Feb 2009 Location: Ontario, Canada Posts: 107	insurance companies will probably still cover tucker, but not for cancer.

01-14-2010, 05:09 PM	#29
delijo YorkieTalk Newbie! Join Date: Sep 2008 Location: alta loma,ca usa Posts: 1	pet insurance My Yorkie had pancreatis twice. Each time it cost over $2000. Our PetPlan insurance paid all but the $200 deductable. My premiums are a little over $300 a year. The reimbursement check came right away and the insurance company even called to see how she was doing. I highly recommend PetPlan.