Pet insurance... Which to choose

[DharmasMom]

I have never heard of Healthy Paws. Like every one else I have Pet Plan. I went with the $200 deductible and 100% reimbursement. It costs me $37/ month for Dharma and $41/ month for Pippa. Also Like people have said, they are the only ones I have found that cover genetic diseases like hip dysplasia, they will also cover their knees if they ever have to have surgery on them.

I had looked into VPI since I would get a discount through my job but their reimbursement sucked. They only reimburse based on what they feel is a "customary allowable charge" so if one of my dogs need surgery and the bill is $2500 but the customary allowable charge is only $1500, that is all VPI will reimburse. Pet Plan will reimburse all of it after my deductible is met.

[kr16]

I swore I wouldn't post on a pet insurance post again.

Every plan has exceptions, Truepanion has them as well. Read the actual policy.

I have already broken down all these companies in previous posts, I still do not know anyone who has healthy paws. It still looks good and its owned by a very large insurance company. They also have good prices

http://www.germanshepherds.com/forum...pinions-5.html

[Kyleigh]

I just read that thread, and you did a great job kr16!

I had PetCare (I'm in Canada) with one of my dogs and it was a freaking nightmare. They fought me for everything.

My last dog, Abby, I was with trupanion, and they were awesome. Abby tore her ACL ... they paid $4000 immediately, no questions. Abby also had hip HD and they paid for treatment (I got the "huge" plan ... just in case) and I was really glad I did. They paid out over $14,000 in the 6.5 years I had her. Never regretted it.

I have it for Ky, and she had giardia ... they paid for all of the treatment. She also got an eye infection ... they paid it all. No problems.

The only issue I will be fighting is in regards to vaccines ... I want to titer, and I have a holistic vet, so I am hoping that they will accept that in lieu of vaccines ... time will tell.

kr16 ... you're so right ... you can pay hundreds and never use it ... that's awesome ...

but for some people to put that money away ... I would never have been able to pay that kind of money for my last dog ... life happens sometimes, and it's not always pretty!

Thanks again for that last thread! You had more patience than most!

[kr16]

Thanks so much. Truepanion is great unless you do not neuter your dog which I have not, so I went with Petplan and they have paid out lots of money already with me.


I will be in Canada in January. Going to Sarnia, to coach a team in Silver Sticks, huge international hockey tournament

Originally Posted by Kyleigh

I just read that thread, and you did a great job kr16!

I had PetCare (I'm in Canada) with one of my dogs and it was a freaking nightmare. They fought me for everything.

My last dog, Abby, I was with trupanion, and they were awesome. Abby tore her ACL ... they paid $4000 immediately, no questions. Abby also had hip HD and they paid for treatment (I got the "huge" plan ... just in case) and I was really glad I did. They paid out over $14,000 in the 6.5 years I had her. Never regretted it.

I have it for Ky, and she had giardia ... they paid for all of the treatment. She also got an eye infection ... they paid it all. No problems.

The only issue I will be fighting is in regards to vaccines ... I want to titer, and I have a holistic vet, so I am hoping that they will accept that in lieu of vaccines ... time will tell.

kr16 ... you're so right ... you can pay hundreds and never use it ... that's awesome ...

but for some people to put that money away ... I would never have been able to pay that kind of money for my last dog ... life happens sometimes, and it's not always pretty!

Thanks again for that last thread! You had more patience than most!

[hunterisgreat]

Originally Posted by Kyleigh

Trupanion (not sure if they have it in the states) $80 / month, no deductible and 100% lifetime coverage for all accidents and illnesses ... no exceptions!

$80 for one?? what is your deductible?? I have Trupanion on Aska, Katya, and Jager and its ~$120 per month total, $250 deductible.

[hunterisgreat]

Originally Posted by kr16

Thanks so much. Truepanion is great unless you do not neuter your dog which I have not, so I went with Petplan and they have paid out lots of money already with me.


I will be in Canada in January. Going to Sarnia, to coach a team in Silver Sticks, huge international hockey tournament

Why do you say that? Jäger and Katya are both intact

[gowen]

Originally Posted by hunterisgreat

Why do you say that? Jäger and Katya are both intact

Without digging deep into Trupanion's webpage I noticed this at the bottom:

"Limitations
There are coverage limitations* for pets that have not been spayed or neutered prior to their first birthday, within 30 days of adoption, or within a time frame of their veterinarian's medical recommendation. Some examples of conditions not covered for pets in this category are testicular tumors, mammary tumors, and uterine and ovarian conditions. See our sample policy for full details. "

Pet Insurance Policy Overview | Trupanion

I also found this in the sample policy:

(1) For pets that have not been neutered or spayed prior to their first birthday, no coverage shall
apply for illness related to prostate problems, hormonal skin conditions, testicular tumors,
perianal tumors, mammary tumors, uterine and ovarian conditions, birthing, or injury due to
fighting, collision with a motor vehicle or aggressive behavior. This limitation does not apply to
pets that have been spayed or neutered prior to their first birthday, to pets where the timing of
being spayed or neutered was in conjunction with their veterinarian’s medical recommendations,
or to pets spayed or neutered within 30 days of being adopted;

[gowen]

I need to mention that kr16's knowledge of the industry and expertise in breaking down the policies is what brought me to PetPlan. I greatly appreciate it!!

[Kyleigh]

$80 for one?? what is your deductible?? I have Trupanion on Aska, Katya, and Jager and its ~$120 per month total, $250 deductible.

My exact is $88.16 / month ... NO deductible (I mentioned that already LOL) I went with the HD option just in case ... and in the next 6 months or so (I'll get her examined) I'll have it removed and it will go down $25/month

[kr16]

Originally Posted by hunterisgreat

Why do you say that? Jäger and Katya are both intact

Gowen found the clause. I also broke it down in the topic I did in my link in my post below