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-   -   Trying to figure out how pet insurance works... (https://www.yorkietalk.com/forums/yorkie-health-diet/280296-trying-figure-out-how-pet-insurance-works.html)

chestermama 12-12-2014 12:52 AM
I have pets best for chester, my deductible is 250 and they pay 80%, I don't pay for for the teeth cleanings and shots and stuff, my vet is pretty reasonable for that stuff. I have it for big stuff, accidents, injuries and that

jadabug 12-12-2014 03:01 AM
Quote:
Originally Posted by sugarmamma (Post 4511915)
They cover CET chews?? Awesome! :D
:eek:I didn't know that!

Kadify 12-12-2014 04:43 PM
Quote:
Originally Posted by SirTeddykins (Post 4511639)
Having dual insurance should not be cheaper and should not be a strategy to get cheaper insurance because having 2 policies means 2 payments. It is, however, a strategy to get cover from one place which may be excluded at another. The dual insurance liability only works if both policies cover the same event.


A higher deductible almost always lowers premiums but not always to the extent you think it should so just check with the provider to see if its worth it..
While a cheaper payment would be nice I understand having better coverage means having a higher payment however I still don't see how having two low level insurance policies isn't automatically cheaper than having a higher level single policy. For example, having embrace with wellness (useful for pet exams) would cost me about $60 a month. However having trupanion and healthy paws with similar deductibles and reimbursement rates would cost $58 and while neither would cover the cost of dental cleanings or neutering, they would cover everything 100% which theoretically would work out to be cheaper I'd imagine, no?

BabyGirl Rosie 12-13-2014 08:27 AM
Quote:
Originally Posted by Kadify (Post 4512926)
While a cheaper payment would be nice I understand having better coverage means having a higher payment however I still don't see how having two low level insurance policies isn't automatically cheaper than having a higher level single policy. For example, having embrace with wellness (useful for pet exams) would cost me about $60 a month. However having trupanion and healthy paws with similar deductibles and reimbursement rates would cost $58 and while neither would cover the cost of dental cleanings or neutering, they would cover everything 100% which theoretically would work out to be cheaper I'd imagine, no?
Are you saying that trupanion and healthy paws don't cover dentals and neutering? Embrace does cover these. Mikkis dental cost me over $200. They covered it 100%. If they don't cover those, for $2 a month more I would go with embrace. Or maybe I am misunderstanding what you are asking.

Kadify 12-13-2014 09:57 AM
Quote:
Originally Posted by BabyGirl Rosie (Post 4513091)
Are you saying that trupanion and healthy paws don't cover dentals and neutering? Embrace does cover these. Mikkis dental cost me over $200. They covered it 100%. If they don't cover those, for $2 a month more I would go with embrace. Or maybe I am misunderstanding what you are asking.
Trupanion covers dentals but neither cover neutering. The difference is embrace will only pay what ever reimbursement amount you choose 90% in the case of the policy I was looking at, but having two insurances would cover everything 100%. I have no issue covering everyday things like dentals, etc but I'd imagine, unless I'm missing something, having everything covered 100% would be nicer than having things covered only 90% for big things.

BabyGirl Rosie 12-13-2014 11:29 AM
Quote:
Originally Posted by Kadify (Post 4513122)
Trupanion covers dentals but neither cover neutering. The difference is embrace will only pay what ever reimbursement amount you choose 90% in the case of the policy I was looking at, but having two insurances would cover everything 100%. I have no issue covering everyday things like dentals, etc but I'd imagine, unless I'm missing something, having everything covered 100% would be nicer than having things covered only 90% for big things.
Ok I see what you are saying now. Have you thought about asking your vet office? They deal with some of the insurances and could maybe give you some advice. They also might know about having two policies as well. Good luck in your decision. It was a tough one for me!

Tinathetooth 12-14-2014 08:39 AM
I have Healthy Paws. I picked $250 annual deductible and 90% reimbursement. I pay $35 a month. I sent a claim on a Friday around 4pm and got my reimbursement about an hour later. They're quick.

SirTeddykins 12-15-2014 12:30 AM
Quote:
Originally Posted by Kadify (Post 4512926)
While a cheaper payment would be nice I understand having better coverage means having a higher payment however I still don't see how having two low level insurance policies isn't automatically cheaper than having a higher level single policy. For example, having embrace with wellness (useful for pet exams) would cost me about $60 a month. However having trupanion and healthy paws with similar deductibles and reimbursement rates would cost $58 and while neither would cover the cost of dental cleanings or neutering, they would cover everything 100% which theoretically would work out to be cheaper I'd imagine, no?

Yes, this makes sense. I assumed (wrongly) that both policies each cost as much as one comprehensive, thus, doubling the premium.


Just make sure you are happy with no cover for the dental cleanings. I always advise clients to save money by buying insurance for those unavoidable things like disease and accident and pay for everything else when/if it comes up..


Unfortunately, you just never know what will or won't come up so it's all a bit of a gamble at the end of the day which is why insurance is referred to as 'risk management'.

Tinathetooth 12-15-2014 05:02 AM
I don't have a problem with no dental. I'm willing to pay for anything that aspires. I understand the importance....I've been a dental assistant for the last 15 years. I brush his teeth. He recently had surgical extractions to get is upper baby canines out. It's a shame I can't just bring him to work and put him to sleep to do it. It cost me $500. That was before I had any insurance. (he was about 6 months, he's 11 months now) When I was looking for insurance I preferred an annual deductible instead of per accident. That was my main selling point. Plus no annual cap or lifetime cap.

107barney 12-17-2014 07:37 AM
Quote:
Originally Posted by BabyGirl Rosie (Post 4511912)
I have Embrace with wellness. They have covered dentals, prescription dog food, CET Aqua Dent, CET chews, shots, etc for us. It's money well spent when you have three Yorkies. What I like the most about Embrace is the customer service. They are always friendly and helpful.
Embraxe just reimbursed me for CET toothpaste! I bought the toothpaste on Amazon. To be clear, this was a wellness claim NOT an accident/illness claim.

sugarmamma 12-17-2014 09:45 AM
Quote:
Originally Posted by 107barney (Post 4514328)
Embraxe just reimbursed me for CET toothpaste! I bought the toothpaste on Amazon. To be clear, this was a wellness claim NOT an accident/illness claim.
That's great! When I spoke with them a few months ago I was told that they may consider covering BlanceIt and Canine complete (and the like) under wellness if they get enough requests for it. Many dogs require home cooking for wellness - just like a prescription food.

BabyGirl Rosie 12-17-2014 05:45 PM
Quote:
Originally Posted by 107barney (Post 4514328)
Embraxe just reimbursed me for CET toothpaste! I bought the toothpaste on Amazon. To be clear, this was a wellness claim NOT an accident/illness claim.
Great!

jadabug 12-17-2014 06:11 PM
Quote:
Originally Posted by 107barney (Post 4514328)
Embraxe just reimbursed me for CET toothpaste! I bought the toothpaste on Amazon. To be clear, this was a wellness claim NOT an accident/illness claim.
Quote:
Originally Posted by sugarmamma (Post 4514364)
That's great! When I spoke with them a few months ago I was told that they may consider covering BlanceIt and Canine complete (and the like) under wellness if they get enough requests for it. Many dogs require home cooking for wellness - just like a prescription food.
I submitted my claim for the CET chews last week. I ordered toothpaste this week so I'm going to submit it too.
I wonder if enough of us submit a claim on the canine complete or balance it if they will add it or should we just call them requesting they add it.

107barney 12-22-2014 11:15 AM
Quote:
Originally Posted by jadabug (Post 4514518)
I submitted my claim for the CET chews last week. I ordered toothpaste this week so I'm going to submit it too.
I wonder if enough of us submit a claim on the canine complete or balance it if they will add it or should we just call them requesting they add it.

I wrote in to the company and asked them to consider the supplements especially for the home cooked food. They said they were actually looking into it. So is a good time to send a suggestion in. I was told that a supervisor is reviewing my suggestion. So send in your comments and maybe they will add it for us!

Rachael1983 12-23-2014 05:36 AM
I have Pets Best with Wellness. I went with a higher deductible with 100% reimbursement. With Wellness I have had shots, spay, dental covered and some others covered. I think the investment is worth it.


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