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-   -   Pet Insurance? (https://www.yorkietalk.com/forums/yorkie-health-diet/202516-pet-insurance.html)

JERSEY BOY 04-24-2010 06:06 PM
I was wondering the same thing when i got Jersey Boy, should I get the insurance or not. Well I decided to get it in Oct 2009. I was so glad I did because in Nov 2009 Jersey broke his leg. The bill was over 3200.00, it didn't pay the full cost but it certaintly helped.

OlivesMommy 04-24-2010 06:09 PM
I guess I have to get the ball rolling and choose a company already! It looks like VPI will give me a huge discount for having 2 dogs, but I don't know if they cover conditions prone to Yorkies. Does anyone who has it know if they do?

Sweet Apple 04-24-2010 06:19 PM
Quote:
Originally Posted by OlivesMommy (Post 3100356)
I guess I have to get the ball rolling and choose a company already! It looks like VPI will give me a huge discount for having 2 dogs, but I don't know if they cover conditions prone to Yorkies. Does anyone who has it know if they do?
You must have missed my post about covering conditions predisposed to the breed lol...

OlivesMommy 04-24-2010 06:35 PM
Quote:
Originally Posted by Sweet Apple (Post 3100374)
You must have missed my post about covering conditions predisposed to the breed lol...
I saw it, but you said you have Pet Plan. I was curious if VPI had that coverage, too :)

orlnurse 04-24-2010 07:12 PM
I have Petplan. If I'm not mistaken, they do cover predisposed conditions but not preexisting conditions. I have a $100 deductible with an 80% reimbursement plan for about $20 month. I have it for both of my babies. I had to use it a few weeks ago but my claim hasn't been processed yet for me to give any feedback as far as that goes.

OlivesMommy 04-24-2010 07:13 PM
Quote:
Originally Posted by orlnurse (Post 3100459)
I have Petplan. If I'm not mistaken, they do cover predisposed conditions but not preexisting conditions. I have a $100 deductible with an 80% reimbursement plan for about $20 month. I have it for both of my babies. I had to use it a few weeks ago but my claim hasn't been processed yet for me to give any feedback as far as that goes.
Well let me know if all goes smoothly :) I hope it does!

Patti 04-24-2010 08:55 PM
VPI does not cover genetic, hereditary or pre existing. They did not cover Cali's bills for determining her Liver shunt, and when Dixie was diagnosed with congenital kidney failure they wouldn't cover it. SHe had 1900.00 in vet bills in one week and had to be put to sleep 5 weeks after I got her. SO if Pet Plan covers all of these conditions I think I would go with them. Cali has LP Grade 4 but they won't cover surgery if needed.

jnsasha 04-25-2010 03:22 AM
Quote:
Originally Posted by Patti (Post 3098856)
I have insurance on my 3 girls. I have VPI and pay 21.00 a month for each one. I personally like knowing if a major illness/accident happens I have the insurance.

This is what I have for my four babies as well. It really does help but I still put money away too. Some illness are not covered and they only pay out so much for any given illness/accident so a savings account is a must.:)

Sweet Apple 04-25-2010 03:33 AM
Quote:
Originally Posted by OlivesMommy (Post 3100402)
I saw it, but you said you have Pet Plan. I was curious if VPI had that coverage, too :)
Ooops...my bad...I could be wrong, as you can already attest to, but I believe, in my research, that PetPlan was the only one to cover genetic issues, as long as they were not pre-existing...

BonBon 04-25-2010 06:20 AM
Quote:
Originally Posted by Sweet Apple (Post 3100667)
Ooops...my bad...I could be wrong, as you can already attest to, but I believe, in my research, that PetPlan was the only one to cover genetic issues, as long as they were not pre-existing...
Embrace also covers genetic issues, as long as they weren't pre-existing. These are the only two plans I know of that cover genetic problems, and they're the two best insurances IMO.

OlivesMommy 04-25-2010 08:17 AM
Quote:
Originally Posted by Patti (Post 3100561)
VPI does not cover genetic, hereditary or pre existing. They did not cover Cali's bills for determining her Liver shunt, and when Dixie was diagnosed with congenital kidney failure they wouldn't cover it. SHe had 1900.00 in vet bills in one week and had to be put to sleep 5 weeks after I got her. SO if Pet Plan covers all of these conditions I think I would go with them. Cali has LP Grade 4 but they won't cover surgery if needed.
Aww... Patti, I'm sorry to hear that :( Thank you for answering my question. I will definitely keep that in mind.

OlivesMommy 04-25-2010 08:25 AM
Quote:
Originally Posted by bonbon (Post 3100807)
Embrace also covers genetic issues, as long as they weren't pre-existing. These are the only two plans I know of that cover genetic problems, and they're the two best insurances IMO.
Well that helps narrow it down a little, thanks :)

borges4 04-26-2010 07:42 AM
Pet Insurance
 
Hope this helps, it did for me.

The thread reference is by Dr. Paula Terifaj, here is the link:

http://30minvetconsult.com/blog/2010/01/10/make-2010-the-year-of-affordable-pet-health-care/

Cpdwife15 04-26-2010 09:47 AM
May I ask who seems to the most reasonable with ins & multiple doggies?

OlivesMommy 04-26-2010 10:46 AM
Quote:
Originally Posted by Cpdwife15 (Post 3102782)
May I ask who seems to the most reasonable with ins & multiple doggies?
I think PetPlan gives a pretty good discount for multiples.


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