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Old 03-27-2014, 11:45 PM   #1 (permalink)
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Default 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.
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Old 03-27-2014, 11:51 PM   #2 (permalink)
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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
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Old 03-28-2014, 12:29 AM   #3 (permalink)
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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.
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Old 03-28-2014, 12:36 AM   #4 (permalink)
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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
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Old 03-28-2014, 01:07 AM   #5 (permalink)
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my guy is covered by Trupanion. my vet says they have their own underwriters so that helps in some way
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Old 03-28-2014, 02:32 AM   #6 (permalink)
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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.
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Old 03-28-2014, 08:14 AM   #7 (permalink)
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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.
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Old 03-28-2014, 02:57 PM   #8 (permalink)
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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.
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Old 03-28-2014, 03:20 PM   #9 (permalink)
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Quote:
Originally Posted by SaffronTea View Post
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.
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Old 03-28-2014, 03:51 PM   #10 (permalink)
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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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