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Old 01-03-2014, 01:43 PM   #1 (permalink)
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Default Pet insurance comparison

I'm down to these three plans

Pet Plan
Embrace
Healthy Paws

Anyone have any input on any of these?

Thanks!
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Old 01-03-2014, 01:53 PM   #2 (permalink)
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Go with Healthy Paws. Exc. company.
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Old 01-03-2014, 01:57 PM   #3 (permalink)
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I read that. They were rated one of the best. Do you have them? Have you had to use it?

I know Pet Plan is good but it looks like Healthy Paws and Embrace are better and have better customer service?

btw...still waiting on pics of those blue pups!
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Old 01-03-2014, 02:01 PM   #4 (permalink)
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I used to have petplan. They raised the prices and i've got a pretty healthy dog, so i just ended up dropping it. I think it was costing me around $600 per year (with 20% copay and $8k max per incident per year). At those prices, I figured I might as well take my chances and just pay as needed.

When I did have to use it, which was hardly ever, I didn't have any complaints. I was paid back within a few weeks and customer service was good. It's not cheap though, but insurance never is for anything.
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Old 01-03-2014, 02:03 PM   #5 (permalink)
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One ACL costs me $5000 total. Then there are the two growths removed. I understand the deductible on Pet Plan is per incident and not per year? Embrace and Healthy Paws are per year?
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Old 01-03-2014, 02:07 PM   #6 (permalink)
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Quote:
Originally Posted by Jax08 View Post
One ACL costs me $5000 total. Then there are the two growths removed. I understand the deductible on Pet Plan is per incident and not per year? Embrace and Healthy Paws are per year?
That's when insurance comes in handy - with the big stuff.

From what I remember, Pet Plan does per incident and per year. Once the year is up, the max resets.
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Old 01-03-2014, 02:26 PM   #7 (permalink)
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I have both Healthy Paws and Trupanion on several dogs. Some puppy buyers have Healthy Paws also. Healthy Paws has been WONDERFUL about everything. No problems in a couple years. One dog had a very expensive dance with Lyme and they covered it cheerfully, no weaseling out of anything. Very fair- no secret loopholes that they find once you've already given the vet the go-ahead, thinking they'll pay it.

Deductible is per year, just like human insurance. I have high coverage/low deductible. Premiums haven't increased much. They've cut me some sizeable checks....$3700 for my poisoned Chihuahua...got the money within days and phone call to see how he was doing.
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Old 01-03-2014, 02:44 PM   #8 (permalink)
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Thanks Jen! Good to know!
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Old 01-03-2014, 03:33 PM   #9 (permalink)
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there was thread on this a year or so ago done by some one in the insurance business. if i remember correctly it was pretty informative with a cost benefit analysis. it would be worthwhile to dig up.
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Old 01-03-2014, 03:57 PM   #10 (permalink)
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Yes, I know. They say nothing about Embrace and very little about Healthy Paws.
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