Pet Insurance
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Thread: Pet Insurance

  1. #1
    jlab Guest

    DefaultPet Insurance

    Just wanted to let everyone know that pet insurance has come a long way over the last year. I researched it a few years ago and it really wasn't worth it. My company offered a 20% discount from one insurance company and IMO it still wasn't worth it.

    Lately I started looking again and found one pet insurance company that changed my mind (I think it would be against forum rules to name the company here so I won't). They offer several plans from $10 a month to $65 a month with very easy ways to pay and 100% acceptance. Looks like it's pretty easy to get paid on a claim too. They also have specific plans taylored for seniors and puppies and any plan can be upgraded at any time. Since this company met what I wanted, I stopped looking. But I wonder if the whole pet insurance industry has changed for the better.

    Anyone else have pet insurance? It really does give you peace of mind knowing that you won't have to choose between putting your lab to sleep or paying for an expensive treatment due to an accident or major illness.

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  3. #2
    myfavoritedog's Avatar
    myfavoritedog is offline Senior Member
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    DefaultRe: Pet Insurance

    I have pet insurance. I got the one thru the AKC and I have been very happy with it. It seemed like the best deal to me.

    It's not so much the $100 and $200 bills that concern me. Like you, I wanted to make sure he is covered in case of serious accident, cancer and things like that. I know alot of folks put aside the premium amount each month to be used for medical care for their pets, but I am afraid of something happening in the meantime. Or if treatment would exceed the saved amount. I know that as they get older, as with us, the likelihood of medical problems increases but still just because they are young does not mean they will have nothing catastrophic happen to them.

    I view all insurance alike whether for ourselves, families, furkids or possessions. It seems a waste until you need it.

  4. #3
    Kathryn Guest

    DefaultRe: Pet Insurance

    Somone can correct me if I am wrong but dont think we have any rules about naming companys do we?
    I mean we have talked about a lot of the pet insurance companys before we hae talked about a lot of the micro chip companys..
    I think you would be alright to name them..

    Back to the subject. I dont have insurance on any of my dogs. Jacey's breeder offers you all the info. and says that IF she wasnt a breeder she would have her dogs on one of the plans. Since shes a breeder they cant join any of the plans. Im not sure if thats true or not. I might over time change my mind..

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  6. #4
    myfavoritedog's Avatar
    myfavoritedog is offline Senior Member
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    DefaultRe: Pet Insurance

    Quote Originally Posted by LabMommyKathryn
    Somone can correct me if I am wrong but dont think we have any rules about naming companys do we?
    I mean we have talked about a lot of the pet insurance companys before we hae talked about a lot of the micro chip companys..
    I think you would be alright to name them..
    I think you are right...I think folks have asked specifically other's experience with various Pet Insurance companies.

  7. #5
    jlab Guest

    DefaultRe: Pet Insurance

    Since it's looks ok to name the company, the one I referred to in my original post that I found to be very good was petcareinsurance.com. Thanks for the clarification.

  8. #6
    VioletsFolks is offline Senior Member
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    DefaultRe: Pet Insurance

    Interesting this topic would come up today...
    We Just this week decided to take the plunge and invest in a policy for Violet. She's just a bit over a year old, and originally we didn't think it would be needed. But just last week she had a nausea/vomiting scare that led to a 4 day illness with dehydration and a $600 vet bill (i'm just thankful she didnt have to have SURGERY... we thought she was obstructed), and when I started reviewing how much we've spent this year on what I consider a overall healthy pup, I think it's probably worth it.
    We're going with VPI (petinsurance.com) - reccomended by my vet and they do payroll deduction through my work. They're charging us just over $200 annually for the policy for illnesses/injuries, and an extra $99 for the optional "routine" care program. I added up the benefits on the "routine" care plan - for a $99 premium, they reimburse $123 on things I KNOW we will be getting (shots, well visit, heartworm meds, flea prevention). And they cover up to $65 on a spay or $65 on a dental cleaning annually (not included in my $123 amount... that would be $188) I figure they profit on the routine plan because it reduces the claims on the injury/illness plan, but that's just my speculation.
    For anyone interested, check out the "group sales" tab on their website... lots of companies, groups, credit cards, etc offer a modest (5%) discount. Also, I've been told that any condition your pet has had before you sign up may be ineligible to be covered under the policy... I'm not sure how literal that is. And FYI - this company goes by PetPlan in Canada.

  9. #7
    henrysmom is offline Senior Member
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    DefaultRe: Pet Insurance

    I have Henry on PetPlan's Champion plan. Last fall, when he got very ill and had to be admitted to an emergency vet hospital (staffed by specialist vets), his 48 hour stay cost in excess of $2000. His policy covered everything but a few hundred dollars.

    Henry has had a pet insurance policy since he was 10 weeks old. It has been a godsend. For dogs who only visit the vet once a year (like my parents' dog), it wouldn't be at all worthwhile, but for dogs like Henry (who tend to find trouble), it's peace of mind.

    Gorsebrook Jackson Triggs, CD, RN, WC, CGN<br />Kelrobin A Twist of Fate<br /><br />

  10. #8
    lbradorabl is offline Senior Member
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    DefaultRe: Pet Insurance

    I know there are quite a few folks on this forum who are vehemently against pet insurance - and they have a right to their own opinion.

    As someone who witnesses every day the turmoil and despair of families across North America whose pet has a serious illness, injury or medical issue that needs to be addressed - and they don't have the money to pay for it (or the credit they need available to them) - I am an advocate. Yes, you could save that same money in a savings account so it is there in an emergency - but unless you save it - it will never be there.

    At least with pet insurance - you can count on some monies to be there to cover some if not most of the expenses associated with an unanticipated veterinary crisis - and be able to focus on your pet's need and not on where the money will come from to pay the bill.

    After losing both Sammy and Maddie to cancer within 6 months of each other in 2003 - and spending close to $12,000 to learn that there was nothing medical science could do to save them - well, it started me thinking - what would I have done if I had had to let them go - and not be certain I had done everything I could to see if I could help them.

    Is pet insurance - any policy perfect? No

    But if you cannot be certain you will put that money away for that rainy day crisis - having a plan in place is better than no plan at all.

    Just my 2 cents

    And yes, my Hannah and Nikko are both insured - VPI.

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