Pet Insurance? - Page 2 - YorkieTalk.com Forums

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

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

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

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

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

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

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

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

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

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

May I ask who seems to the most reasonable with ins & multiple doggies?

I think PetPlan gives a pretty good discount for multiples.

04-24-2010, 06:06 PM	#16
JERSEY BOY Donating YT 2000 Club Member Join Date: Aug 2009 Location: sparta nj usa Posts: 3,800 Blog Entries: 1	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. __________________ Laurie, Jersey Boy and Miss Brielle

04-24-2010, 06:09 PM	#17
OlivesMommy and Treasure, too! Donating Member Join Date: Mar 2010 Location: Sunrise, FL, USA Posts: 960	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? __________________ Suzy 's Olive ღhttp://www.dogster.com/dogs/1131150ღ

04-24-2010, 07:12 PM	#20
orlnurse ♥Max & Lily♥ Donating Member Join Date: Aug 2009 Location: Orlando, FL, US Posts: 2,186	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. __________________ My little dog - a heartbeat at my feet. ~Edith Wharton Lesley, Maximilian & Lily Rae

04-24-2010, 08:55 PM	#22
Patti Donating YT 30K Club Member Join Date: Oct 2005 Location: Illinois Posts: 35,509 Blog Entries: 6	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. __________________ Cali Pixie Roxie : RIP Nikki; RIP Maya;RIP my sweet Dixie girl 1/17/08 http://callipuppyscastle.bravehost.com/index.html

04-26-2010, 07:42 AM	#28
borges4 YorkieTalk Newbie! Join Date: Mar 2010 Location: New York Posts: 2 Blog Entries: 1	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/

04-26-2010, 09:47 AM	#29
Cpdwife15 Yorkie Yakker Join Date: Apr 2010 Location: Cleveland Posts: 40	May I ask who seems to the most reasonable with ins & multiple doggies?