Pet Insurance?
 

I'm debating on if I should get Pet Ins for Fynnlie. It's not terribly expensive and it covers just about ANYTHING. Most of the companies reimburse you for 80% of what you pay out of pocket. Which out be really good to have it something bad happened - heaven forbid.

I just wanted to get some feedback.

ALSO:
Should I get him microchipped?

Definitely get him microchipped!!! Also I have petplan and am happy I have dog insurance just in case anything happens- there is a great article here on yorkietalk about pet insurance- that's what helped me pick petplan. Financially I would never want to worry about taking him to the vet because of money so I invested in insurance but I'm sure it's based on personal opinion- i myself like to have a back-up. Good luck and keep us posted.

Sweet! I'll go look for that article! Thanks for letting me know! :)

I've already made the appointment to get him microchipped, I just wanted to make sure it was a good idea! :)

I have trupanion dog insurance and I am sooooo glad that I got it on my 2 yorkies. They pay 90% and I have no co pay either. I just pay a monthly payment. Plus when I send in my invoice to them I always get a check with 4 to 5 days and that is super fast. They are very nice too and will answer any questions you may have.

Microchip - Yes & make sure you send in the registration information & always update it each time you move or change your phone number!

Pet Insurance - Definitely...unless you are independently wealthy and can afford the thousands of dollars any toy breed such as a Yorkie can rack up in a blink of an eye!

I can't tell you how many times a stray dog is turned into a shelter or rescue and they are microchipped but, the owners never filled out the paperwork to register their dog with the microchip company.

Or, how many times an owner is unprepared for the cost of vetting that can & will arise for their pets and when a real financial disaster strikes they are forced to surrender their dogs so that rescue can afford them the care their pet requires.

Two very simple and relatively inexpensive things that could keep your animal safe and so often overlooked!

you can get a free quote from Hartville here:
PET INSURANCE
They pay 80% and you can use them with any licensed vet in the US or Canada. There is also a 10% discount for multiples which is handy for me with 5! :D

I'm looking between three, Trupanion, Pet Plan and Dog Ins through Hartville. This is so confusing, it nearly breaks my brain. :( I just need someone to decide for me, lol.

Definately microchipped.

I just got Trupanion. The reason I chose it was the 90% coverage (and copays can be anything you want) of almost everything except pre-existing conditions plus they don't raise the rates as the pups get older. Most other companies I checked had increasing premiums as the dog gets older.

This is all really making my brain hurt. I'm trying to go through and really look at the different types of insurance out there; looking into this, reading reviews on that. Ugh, I feel explody.

VPI looks good, except for their four pages of breed specific things they do NOT cover.

Trupanion looks good except it is MAINLY only for kittens and puppies!

PetCare doesn't follow up on claims and is more than likely going to 'deny' a claim based on 'possible preexsisting conditions.'

PetPlan likes to run you in circles.

UGH.

I got PetPlan for Pfeiffer. PetPlan covers hereditary conditions, btw, so that's def something to compare. For Wylie and Marcel, it's too late for insurance at this point (to be cost effective).

Here is a great article about Ins: http://www.yorkietalk.com/forums/yor...rifaj-dvm.html

After reading that entire article, I've decided on PetPlan. I had been leaning towards them since the beginning and after reading all Dr. Terifaj has had to say and all the research they've done, I'm pleased with my choice. I'm still going to call and talk to them, find out some of my own questions. But, essentually, I'm going to pray that I pay the money out of pocket every month and never have to use it. Thanks so much, Wylie's Mom! I really appreciate that link!

Also, if you have more questions - "BonBon" (Bonny) here at YT did a ton of research before she bought ins. and she too went w/ PetPlan. She knows this plan inside and out :).

For Pfeiffer, I think I got the Bronze plan and a $200 deductible.

Hey, I LOVE the name Fynnlie (we almost named Pfeiffer, Finley :)!) and, I love that you are her "personal assistant", LOL :D!

Thanks! I love his name, too! :) Fynnlie is going to be a Therapy Dog so I'm getting the Gold Plan with the (haven't decided) 100 or 200 deductible.

I'm thinking about getting him a friend and I wanna get a girl and name her Fairfaerryn. :) Call her Fae.

Oops :p! I'm sorry I called your little fella a "her"! I hope he forgives me :). I love the name idea you have for a little girly. I bet Fynnlie would just love having another fur in the family.

Shhhh. I didn't tell him. ;)

I bet he would love a little furbabysister! He's just so playful all on his own, don't know if I can handle a girl at the same time! Ugh. :p!!

Pet Insurance Plans
 

I bought a pet insurance plan last year from GoPetPlan. I wasn't able to submit claims. They were very polite when I talked to them but when I finally was able to submit, they weren't paid. Also, they sent me a letter in the mail saying that my policy was not being renewed because that company had gone out of business and wasn't offering it. Then, they charged my credit card for renewal of the policy, without my permission, after I had said not to. I emailed them and told them the next person they would be talking to would be a lawyer.

I have searched for complaints against them, did find some BBB complaints. Have heard good things about them and sure thought they were wonderful but as it turned out, I paid them for insurance I never received.

I am now with ASPCA pet insurance. They do give what they promise. They haven't charged me without my permission and my dog is actually insured.

Please, please, be careful about getting involved with GoPetPlan. Costs are similar at ASPCA and you can be sure that you are insured. I know our income is limited, which was the biggest reason we bought insurance and it would be heartbreaking to find out, if something major happened, that you weren't insured. As it was, we were out money from the premium we paid to them ($253+) and the visits we had to the doctor, it hurt us but nothing too serious. A good warning and we will stay away! They never would explain all the nonsense about cancelling the policy, even though I have the letter to prove it. Then, just recently they sent me a letter saying I cancelled the policy - oh please!

Be safe, choose someone (like ASPCA) that you can really check out!

Really??? I just called them and they are in business- I haven't had a problem with them

I HAD VPI and thought it was HORRIBLE!! The didn't cover one cent of Teddi's liver shunt because they said they pay on final diagnosis and that they don't cover liver shunts. I think she should have paid at least some of the initial vet visits because I didn't take her to the vet for a liver shunt (I had never even heard of that). They also don't pay for any preventative dental (they will pay if you have severe dental problems but you would think they would like to prevent that but nope!). I finally realized that unless she got hit by a car they weren't going to cover anythings. I thought it was a huge waste of money.

I haven't decided on any policy yet, I'm still looking. I thought PetPlan would be a good one. I talked to the guy, Mike, at length and he said that they cover all accidents or illnesses. That they only thing they don't cover are regular routine care.. :(

Have you looked at Embrace? I think they may have an option that covers routine annual care. I chose not to get that coverage for mine, it's easier for me to just budget for it since I know it's coming.

Embrace also covers genetic problems just like PetPlan does, as long as they are not pre-existing at the time you enroll.

www.embracepetinsurance.com

I did look at embrace but for some reason, that I can't remember right now due to my complete brain fart, I opted for PetPlan. I think it was cheaper.

I called Petplan and they said that it was because they changed ryders? and so when your coverage is up for the year they, by law have to send you a cancellation then a reinstatement notice. They have been around for a really long time- I have them and like them- but my friend has Embrace and likes them too

Have you had any issues with them? Like not getting your re-embursements?

I'm leaning toward PetPlan, too but I don't know what to ask?

This article might help give you some ideas. :)

http://www.yorkietalk.com/forums/yor...rifaj-dvm.html

This the article that I read and it really helped me decide. :)

i got 'trupanion' pet insurance. after my sister's dog had an overnight stay at the vet costing over 2000 i decided it was necessity. they have a 0 deductible per incident choice, so you pay the vet fee (maybe 30 bucks) and then they reimburse you for 90% of the rest. sound good to me

I love the reimbursement part, it's mah fav. :P

I've really been considering pet insurance. Jackson will be 2yrs old in October and has only had one 'emergency' when he had Lymes, but came up limping, etc, so we spent all this money on x-rays, etc, it ended up being a $400 vet visit, and it definitely would have been nice to been reimbursed most, or all of it.

I don't care about routine care (shots, etc) because I know that's coming and can plan for it and stuff. I basically want insurance in case of an emergency that is going to cost me $400+++ and me being unprepared for it. Do you think Pet Plan is good for me? I'd also like to spend under $30 a month. I got a little flyer from the ASPCA insurance and it seemed pretty good. The lowest plan was like $19.95/month or something.

I really like PetPlan. I'm signing up with them. They've answered all of my questions and I like their plans the best.

Pet Insurance for Dogs and Cats - Petplan Pet Health Insurance

That's the website and the number is 1-866-467-3875. The person I'm talking to, Mike, his number is 1.610.675.2410. He can help and answer any questions you may have.

Good luck!