topic Re: Pet Insurance? in Home

Pet Insurance?

colliemom4 — Fri, 13 Jun 2014 23:37:42 GMT

Does anyone have it, and if so can you get it for a sick pet? Any help would be greatly appreciated. Thanks.

Re: Pet Insurance?

srgtdj — Fri, 13 Jun 2014 23:45:00 GMT

I have it for my 2 cats but got it when they were first adopted so I am not sure about getting it with a pre-existing condition. It has been fabulous for us. I pay $300 a year per cat and in the past year with gopetplan.com. Last year was a tough one for 1 cat--she had over $6000 of medical expenses and we had almost all of that reimbursed to us.

Re: Pet Insurance?

Just4Me — Fri, 13 Jun 2014 23:56:08 GMT

We had VPI and they were great until the dogs got really sick. The first dog had pre-exsisting condition with his ears so they would not pay anything on that. We were ok with that. The other injured his back playing and they said that was due to the breed and refused to pay anything on that. The only thing they were good for was their yearly checkups. So I highly would NOT recommend VPI if you want to pursue pet insurance. I am pretty sure they would not cover any pre-exsisting conditions whomever you go with.

Re: Pet Insurance?

krissie622 — Fri, 13 Jun 2014 23:57:32 GMT

Yes, I have it for my Chihuahua. Have had it since he was a pup. I use Embrace.

There are a lot of factors - the age of your pet, what's wrong, medical history, etc., that will determine if you can purchase it, what the premium would be, and what kind of waiting period you might have before something was covered.

Many companies give online quotes, so you can enter your pet's info without having to talk to anyone, and get an idea of the details and cost. There are many companies who offer pet insurance, and they aren't all equal, so do some research.

Good luck to you and your pet baby.

Re: Pet Insurance?

Teddixat — Fri, 13 Jun 2014 23:58:26 GMT

There is a wonderful insurance for pets which is called United Pet Care. It runs about $12 to $15 per month but it doesn't work like the other insurance that you have to pay the vet and then file a claim. You just tell your vet at the time you have it and they call the 800 number and verify your participation and they tell the vet how much they will cover and it is deducted right from your bill

We are offered it at my job and even though my kitty died a year ago, I saved a lot of money in the last year of his life. You should check it out

https://www.unitedpetcare.com

http://www.petinsurancereview.com/unitedPetCare.asp

Re: Pet Insurance?

GinaV24 — Sat, 14 Jun 2014 00:05:11 GMT

thanks for the information, I looked on the united pet care website and unfortunately it appears they are only available in limited states so I guess I'll have to look elsewhere. If anyone has other suggestions, I would be interested.

Re: Pet Insurance?

krissie622 — Sat, 14 Jun 2014 00:14:40 GMT

Gina, I have Embrace: www.embracepetinsurance.com

This link was also posted: gopetplan.com

The ASPCA offers pet insurance: http://www.aspcapetinsurance.com/

I agree with ReikiLady, don't go with VPI.

Google and then research, you should be able to get some good comparisons.

Re: Pet Insurance?

colliemom4 — Sat, 14 Jun 2014 01:31:11 GMT

Thanks so much everyone! I will check these out. I really appreciate all the posts.

Re: Pet Insurance?

gazelle77 — Sat, 14 Jun 2014 01:49:49 GMT

I use Pet Plan Gold. I pay about $375 a year for my 4 year old retriever. It does not cover wellness check ups, shots or standard care. So, it is more like catastrophe insurance. There is also a deductible.

Re: Pet Insurance?

chickadee — Sat, 14 Jun 2014 01:57:48 GMT

I looked into it, but decided against it. I scoured the details of each plan, and none of them would cover the issues I needed help with. My dog has a lot of allergies, several congenital problems which make her susceptible to many health issues. She's not even two years old and has already cost a fortune at the vet. But looking at the pet insurance plans, none of them would help with her costs if I bought a plan!

The other problem I have with the insurance is that they market it to give peace of mind that your baby will be treated in the event of an emergency, etc. The problem is that isn't necessarily true. You still have to have the money UPFRONT to pay the vet for services. You file a claim and wait to be reimbursed. If they decide to cover it.

the insurance might be good to have if your pet is generally healthy to begin with and you feel better having 'just in case' coverage. But if they already have had issues, none of those are going to be covered.

Re: Pet Insurance?

grandma r — Sat, 14 Jun 2014 02:18:52 GMT

My brother purchased insurance for his two rescued greyhounds. I do not remember the name but I do know that it came in very handy as both dogs had multiple issues. They had been racing dogs and were abused. I hope you can find a policy to work for you. Pets are family members too.

Re: Pet Insurance?

curlywhitedog — Sat, 14 Jun 2014 03:05:32 GMT

Colliemom: To answer your question, no insurance company will cover a pre-existing condition. I did a ton of research when curlywhitedog was a little less than a year and decided to go with Trupanion for a number of reasons. One is that they cover genetically pre-disposed conditions for specific breeds, with Bichons it's cataracts, luxating patellas and bladder stones...all covered. Some insurance companies exclude pre-disposed conditions. The other reason I went with Trupanion is that there are no limits to the amount of coverage per year or per lifetime...they pay what's covered and billed for, no matter the cost and I liked that very much.

The first year I paid $34/month and 18 months later Lily needed emergency surgery with an extended hospital stay for a whopping $5,000 for that one incident. I think the total I had paid into the policy at that point was about about $600 and of the $5,000 I was billed, Trupanion paid $4500 (that's the max coverage and I selected no deductible) and I paid $500. For sure I got my money's worth even for just that one time.

Last week we were back at the vet for a small growth on Lily's leg which required an antibiotic and a steroid spray and when we go back on Monday they will draw some cells and send them to pathology. Everything will be covered at 90% except for the cost of the office visit, that's totally the responsibility of the owner. One other thing, if your pet requires prescription food Trupanion will pay for a certain percentage of that food for a month, beyond that they adjust your policy payments by 5% and because Lily is on a special diet for those bladder stones, that discount comes in handy.

I encourage you to look into Trupanion, I couldn't be happier with them.

Maria

Re: Pet Insurance?

Susan-QVC — Thu, 13 Feb 2020 15:15:19 GMT

This post has been removed by QVC bumped old thread

Re: Pet Insurance?

Lipstickdiva — Thu, 13 Feb 2020 15:51:00 GMT

This thread is 6 years old. LOL

Re: Pet Insurance?

NickNack — Thu, 13 Feb 2020 18:16:51 GMT

@Lipstickdiva I don't know how that happened. It was on my main page of recent posts. I try to never bump up an old thread.

Re: Pet Insurance?

Lipstickdiva — Thu, 13 Feb 2020 20:36:30 GMT

@NickNack wrote:
@Lipstickdiva I don't know how that happened. It was on my main page of recent posts. I try to never bump up an old thread.

@NickNack, you didn't. Someone else did with only 1 post and it has since been deleted. LOL

Re: Pet Insurance?

Susan-QVC — Wed, 04 Mar 2020 14:10:29 GMT

This post has been removed by QVC