Trying to figure out how pet insurance works...

[chestermama]

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]

Originally Posted by sugarmamma

They cover CET chews?? Awesome!

I didn't know that!

[Kadify]

Originally Posted by SirTeddykins

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]

Originally Posted by Kadify

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]

Originally Posted by BabyGirl Rosie

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]

Originally Posted by Kadify

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]

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]

Originally Posted by Kadify

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]

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]

Originally Posted by BabyGirl Rosie

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]

Originally Posted by 107barney

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]

Originally Posted by 107barney

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]

Originally Posted by 107barney

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.

Originally Posted by sugarmamma

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]

Originally Posted by jadabug

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]

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.