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-   -   Things to know about pet insurance? (http://www.germanshepherds.com/forum/basic-care/430378-things-know-about-pet-insurance.html)

SaffronTea 03-27-2014 11:45 PM

Things to know about pet insurance?
 
I'm considering getting pet insurance, but have heard that to truly benefit from it, I should take them to the vet for a full screening, and dental check up prior to the start of the plan... is this true?

I am considering going with PetPlan, and want to plan my finances wisely if my Lakoda needs a full screening.

TigervTeMar 03-27-2014 11:51 PM

don't know about the check-up but my guy has insurance and I ended up needing it last week when he swallowed a chicken bone lying in the middle of the street! he threw it up but they covered a lot of the various x-rays and whatnot. good for you for getting it

SaffronTea 03-28-2014 12:29 AM

TigervTeMar, that's exactly the sort of thing I am worried about... my cat just had a $900 vet appointment because of megacolon, and I barely was able to afford it, with my Mom's help.

I just want to know if there is anything I should do before I get it.

owens91 03-28-2014 12:36 AM

I wanna kno this as well and what pet companies are out there that most vets take. I'm deff gonna need it for my ares

TigervTeMar 03-28-2014 01:07 AM

my guy is covered by Trupanion. my vet says they have their own underwriters so that helps in some way

SaffronTea 03-28-2014 02:32 AM

Can you tell me more about them? Such as what they do and do not cover? I want to hear personal experiences, if possible. I can look up specifics on their site, but I want to hear your opinion on them.

Soundguy 03-28-2014 08:14 AM

Do a search here on 'pet insurance'. It's a topic that gets discussed over and over and there are a number of threads with good information and opinions. There was just one started last last week. I think you'll find a lot of good information.

SaffronTea 03-28-2014 02:57 PM

Yes, I did do a search, it's how I decided on PetPlan, but I keep seeing posts saying they lucked out by seeing a dentist before being covered, or they did a blood test prior to coverage, which made PetPlan cover certain issues they otherwise would not, and I want to learn more about that, if possible.

Heidigsd 03-28-2014 03:20 PM

Quote:

Originally Posted by SaffronTea (Post 5285713)
Yes, I did do a search, it's how I decided on PetPlan, but I keep seeing posts saying they lucked out by seeing a dentist before being covered, or they did a blood test prior to coverage, which made PetPlan cover certain issues they otherwise would not, and I want to learn more about that, if possible.

If I remember correctly they require any prior medical records when you sign up. I would call them and find out. I have Petplan also but Nikki was signed up at six weeks old so there were no pre-existing conditions I had to worry about.

kr16 has a lot of good posts on health insurance if you want to do a search.

wyoung2153 03-28-2014 03:51 PM

I do not have pet insurance but did great research on them when I was considering a plan for Titan.

My own advice would honestly be to not have a prior screening unless you know of a pre-existing health issue with your dog. If you do that screening and something new comes of it, the insurance will not cover any of the costs because that is considered a pre-existing condition since you screened for it and found it prior to getting the insurance. Does that make sense?

Well for me I decided against insurance because Titan is fairly healthy. Instead I went with applying for a high limit credit card, like $10,000. I weighed the costs of the monhly payment if I never used the actual insurace, to the monthly payments of the card if I used it. It seemed better for me to pay the monthly payments of the credit card when actually used than a monthly payment that may actually never use.


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