Okay, as an expectant Puppy Mom, I am curious about pet insurance.
I live in Canada and need specifically info about Canadian Insurers ~ can anyone help?? What plan do you have and how much per month is reasonable??
Consumers Union/Colnsumers Report had a long article on pets, vet care, pet health insurance a couple years ago.* You can probably find this in your local public library.
Health insurance differs for pets than for humans.*
Health insurance for people in the USA (perhaps not in Canada?) must be considered part of the salary/benefit package offered by an employer.* In the USA, those who consider purchasing health insurance apart from being an employee (e.g., employed but no HI offered, retiring from an employer offering HI continuation, unemployed, etc.)* often find the monthly premiums to continue ..too expensive to keep up if they have to maintain all of the cost on their own.
When you buy health insurance for a pet (or for a person paying for the full cost), your insurance premiums pay for the executive salaries and bonuses, the cost of the building mortgage or rent, the cost of the service reps to locate those vets willing to take a reduced fee to be reimbursed by that plan, the cost of benefit examiners who evaluate the claims and deny many on the basis of pre-existing condition, the cost of services they're unable to find reason to deny, plus a profiit to the company's shareholders.*
Most pet owners will pay more for their coverage with a heath insurance policy than they would if they put aside the amount of the insurance premium each month into a separate, dedicated savings account for their Lab and let it build up to about $5k.
A very FEW benefit when they have unusual conditions that are not denied.
It's very much like the lottery -- a few win big while most bleed a little.*
If you enjoy playing the lottery, sign up.
If you're looking to play the odds and get the lowest cost and the widest choice of vets, find out the monthly premiums the vet insurance would cost for 5 years and put that amount monthly into a reserve savings account.
Puff [YF, AKC field line (from competing HT/FT breeder) 62 lbs, dob: 8-'01]
Bess [BF, AKC bench line (from competing show breeder) 55 lbs., 1967-1981] "Poor Bess, the Wonder Dog":
I was just getting ready to cancel my pet insurance this year, but luckily, I didn't. Just in this year alone, my black lab (Cody) was diagnosed with elbow dysplasia (insurance covered those fees), my Rottweiler had a strange infection/bite (covered by insurance), and my chocolate lab was diagnosed with allergies. Just Cody's expenses alone would have killed my savings. I think I am going to keep the pet insurance. Maybe it isn't a bad idea for mutiple pet owners like myself.
See I am with Bob Pr. on this one. My little Friend Lya has horrible allergies (though the medication is working) but the insurance we had on her called her predisposed and would not cover a thing. Not prexisting but predisposed. If you read the fine print they could turn you down for almost anything.....
OR, and this is what we found with out Rhidgeback, ask you for so much documentation and make you wait on hold, and delay and then ask for more documentation that your expended time is worth more than the benifit. Shoot, he only needed some common antinflamitory medication nothing big.
This was the most popular company in America. Our Vet GP cancelled the insurance on her dogs, and that said a lot to me. After all, it is not the vet fee that kills it is the medication costs.
Morgan with Lya
and Friend Rocco the Ridgeback
I have had nothing but success with my insurance company. After I file the claim, I receive the reimbursement check within 2 weeks... so far so good. The company is http://www.quickcarepetinsurance.com/ if anyone is interested in checking it out. They have tons of discount plans as well. I did read the articles about having a savings plan instead of insurance and at first agreed that this was the best choice....until I had $1000's in vet and specialist bills. I wouldn't have saved up that much money that year by only paying $45/month for 3 dogs full coverage. I only gave the insurance company $540 that year, and my expenses were 4-5 times that amount. Of course, there will be the years that nothing happens....I think I will keep it for a while. However, if I only had one dog, I would probably opt for the savings plan instead of insurance. My 3 dogs play so rough, accidents are bound to happen unfortunately. :-(
I'm not in Canada so I can't help with that aspect but I will tell you that our pet insurance has been a lifesaver. We have never had a big claim to make until around 6 weeks ago when one of my dogs had surgery to remove an obstruction. The bill including after care was around £400 ($600-700) which obviously we don't have lying around. Insurance paid every penny and for that alone, insurance is WELL worth the money/per dog/per month. I would not be without it. I would never risk not having insurance with a Labrador.
Hi! We're from Canada!! *waves!*
Okay, I had Henry on PetCare's MasterCare policy from the time he was about 6 months old until last month. Premium was about $40 a month. Service was satisfactory... you go to the vet, pay up front, PetCare reimburses you within a few weeks.
Then, they wrote me a letter which basically said that due to our claims history, they would have to double our premium in order to "continue to provide the level of quality coverage that you and Henry have received and deserve" (read: cost recovery, plain and simple). See my earlier post:
I cannot, in good conscience, recommend PetCare. I've spoken to many other pet-owners and apparently this is how this company works, jacking up premiums to get rid of high risk clients.
We're with PetPlan now http://www.petplan.com/dog/index.aspx. Henry has the Champion plan.
Some here have recommended putting money aside monthly into a savings account, and that works well too!
We're with Petplan as well. We have the Petmedic select plan. Basic, but good enough for now. Costs me about $22.00 per month. I've used it once and the savings payed for about 5 months premiums.
Could anyone recommend a pet insurance company in the US?
Mckenzie the lab and Maddie the Mastiff wanna be.
I use VPI for my two dogs. They each have the Superior Plan with added cancer benefits. I went with this company because of the choice to add the cancer benefits. I do not have routine care coverage. I have gotten my money's worth, as it has covered things like ear infections, injuries (Carter seems to cut himself a lot), Maggie's pancreatitis episode on Christmas Day (which was $1,300 in ER fees--the insurance really helped with that!), gastrointestinal problems, etc.Originally Posted by emccase
I have had a good experience with them, they pay claims in a reasonable amount of time. I pay in monthly installments.
Their website is: