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Topic Review (Newest First)
03-23-2014 10:52 AM
kr16
Quote:
Originally Posted by Zlata View Post
I would have to see the dec pages to make an educated answer to that question, and virtually none of the major pet ins cos make their dec pages accessible to the public (at least, I can't find any.)
Exactly, that is why I posted those questions.

You can call and ask and get copies like I did. They will email them to you. I may have copies still on a different computer if you want them. I will have to try and find them.

That line you put in bold is from the declaration page.
03-22-2014 11:49 PM
Zlata I would have to see the dec pages to make an educated answer to that question, and virtually none of the major pet ins cos make their dec pages accessible to the public (at least, I can't find any.)
03-22-2014 11:37 PM
kr16
Quote:
Originally Posted by Zlata View Post
So, OP, a letter from your vet explaining your reasoning of holding off a spay/neuter would suffice. If you NEVER plan to neuter or spay, that is, of course, a different story.

Yes, well you know how that goes. Where is that explained in detail? Or is it up to someones discretion who answers the phone? How long do they give you? Will they put the result in the policy in writing? Doubtful, not for me. Never get or sell anything with a gray area.
03-22-2014 11:21 PM
Zlata
Quote:
Originally Posted by kr16 View Post
Yep, they rip you off to get the rider to eliminate the clause below. This kept me away from them besides the high price. The clause leaves way to many gray areas to not pay a claim.

They have a lot exclusions on unfixed dogs. You can get that waived with a extra they charge which ends up making the price out of control.

For anyone considering Truepanion read this

You must arrange for your pet to be neutered or spayed prior to its
first birthday. If you do not comply, no coverage shall apply for illness
related to prostate problems, hormonal skin conditions, perianal
hernias, 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 stipulation
does not apply to pets where the timing of being spayed or neutered
was in conjunction with their veterinarianís medical
recommendations
, or to pets spayed or neutered within 60 days of
being adopted
So, OP, a letter from your vet explaining your reasoning of holding off a spay/neuter would suffice. If you NEVER plan to neuter or spay, that is, of course, a different story.
03-22-2014 11:18 PM
Zlata
Quote:
Originally Posted by Heidigsd View Post
Zlata: Was the IBD a pre-existing condition for your friends dog? Something doesn't sound right here.

I have NEVER had a problem with getting any of my claims paid with Petplan and Nikki has EPI, IBD, B12 deficiency & atopy. Petplan has paid for every test she needed, specialists, surgeries you name it.

Here is a breakdown of what Petplan has paid out for Nikki over the years from another thread and her conditions need treatment for life:

************************************************** ***********
http://www.germanshepherds.com/forum/health-issues/304010-insurance-recommendations-3.html

I decided to add up Nikki's EOB's for each year to see how much PetPlan has reimbursed us so far. Nikki needs treatment the rest of her life for her EPI/IBD/Atopy/B12 Deficiency. Maybe this will help people decide if insurance is worth it or not for them


1st year (Jan 2010) - I paid $387 in premiums
PetPlan paid $8517

2nd year 2011 - I paid $439
PetPlan paid $8703

3rd year 2012 - I paid $488
PetPlan paid $9347

4th year 2013 - I will pay $602
PetPlan has paid $3644 so far
I am happy to hear that Petplan worked so well with you! I will check with her. I do not believe it was a pre-existing condition, but let me verify with her.
03-22-2014 10:31 PM
kr16
Quote:
Originally Posted by Jax08 View Post
Embrace is also double the cost of Healthy Paws per month.
If we are talking price of the policy's. Its more like triple if you try to make it apples to apples. You cant because $15000 is the highest per year total. But Healthy Paws is not the only company with a yearly deductible. Truepanion probably has the best deductible but they are double if you have an unfixed dog.

I have had to good of luck with Petplan but healthy choice would be my second choice if I wasn't already on Petplan. My boy has a pre existing so I cannot switch. I added my new girl to Petplan and they just paid a $1200 bill for stomach issues.
03-22-2014 09:23 PM
Jax08
Quote:
Originally Posted by kr16 View Post
Embrace also has a yearly deductible

Healthy Paws calculates claims differently, subtracting the co-pay off the claimed amount first and then subtracting the deductible, which leads to 7-10% lower reimbursement for claims under $1000

If you have a $700 incident and a $200 deductible, Healthy Paws' method will cost you $40 more out of pocket.
Embrace is also double the cost of Healthy Paws per month.
03-22-2014 01:26 PM
kr16
Quote:
Originally Posted by SummerGSDLover View Post
Mine isn't fixed any will not be for a couple of years. I had an appt with a local insuring company and their "intact" rate was significantly higher than their neutered rate.

*-*Summer*-*
Yep, they rip you off to get the rider to eliminate the clause below. This kept me away from them besides the high price. The clause leaves way to many gray areas to not pay a claim.

They have a lot exclusions on unfixed dogs. You can get that waived with a extra they charge which ends up making the price out of control.

For anyone considering Truepanion read this

You must arrange for your pet to be neutered or spayed prior to its
first birthday. If you do not comply, no coverage shall apply for illness
related to prostate problems, hormonal skin conditions, perianal
hernias, 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 stipulation
does not apply to pets where the timing of being spayed or neutered
was in conjunction with their veterinarianís medical
recommendations, or to pets spayed or neutered within 60 days of
being adopted
03-22-2014 12:46 PM
Thayna I was and am aware of the spay clause I was more concerned with injuries from chasing varmits in the yard and agility and the ability to provide all the rehab therapies available. My dog was already over a year old when I insured her and unspayed so it was mute point anyway.
03-22-2014 11:47 AM
SummerGSDLover Mine isn't fixed any will not be for a couple of years. I had an appt with a local insuring company and their "intact" rate was significantly higher than their neutered rate.

*-*Summer*-*
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