Yes I have it with Trupanion...I picked that one because some of the other ones don't have coverage for Genetic issues like HD...this one covered it just in case something happens and it will also never go up in price because of his age. I've never had to use it before though, it's only for events over 500 bucks. I'd rather waste the 28 bucks a month knowing he's covered and never have to use it! With my other dog, I wish I would have it had when she had a pancreatitis and enterititis all at the same time...$8,700 later and 10 days in the doggy hospital...yeah, insurance would have helped
Don't bother with VPI. $3100 surgery, $560 reimbursement ($100 at first, $460 more after a threat to cancel). I'd have been better off not buying their product. Now I just have one credit card set aside for vet emergencies.
I am happy with what it covers for what I am playing. I can reduce or raise the coverage at any time as well. They were helpful on the phone and were very quick to get me set up. Not really any hassle or anything, even with Stark not having his boosters (he is titer tested).
I have yet to use them but so far I am happy with their customer service.
Do any of you know if the premium goes up every year on most insurance plans? Or does it stay the same rate for the life if the dog? I will call the companies I am considering on Monday but thought maybe someone here would know.
they are all going to go up eventually. Trupanion claims they will not raise premiums due to you dog getting older, but they will raise premiums in response to increased costs of veterinary care.
i can tell you that i have had two renewals with PetPlan, and the premium has not gone up one penny. realistically, i know it will go up in the coming renewals. i feel their prices are so fair that i am not concerned with it.
i pay (for a 3 1/2 yr old female gsd in MI):
-$23.47 per month
-$200 deductible, then 90% coverage after that
-$8000 of coverage per year, every year, no lifetime limits for any injury/illness
-covers any injury/illness and meds related to injury/illness, with no exclusions for hereditary condition
Sounds like it's Petplan vs. Trupanion. I'm seriously thinking of getting insurance for my new puppy. We had VIP before and I truly hated. From what I understand, Petplan has a limit per year (based on the plan you have) but Trupanion doesn't. Now, I know this is reaching here, but what if my dog is in an accident, needs surgery, let's say $6,000 and then in the same year (God forbidden) bloats and it's another $9,000. I have Petplan bronze ($8,000 coverage). Does this mean that under Petplan I would not be fully covered but via Trupanion I would? Just an example, trying to understand the difference if anyone that has these plans can help me understand!
Your right, if I would have had Petplan insurance when my other dog cost me 8,700 bucks to get her well, it would have only covered 6 grand of it. Trupanion even if their rates do go up....would have covered almost all of that bill. VPI insurance costs my friend and his female GSD 42 bucks a month opposed to my 27 bucks a month. VPI doesnt even cover HD if that were to come up. I think your damned if you do and damned if you don't. There's never going to be one perfect company out there. Now a days doggy insruance is going to be just as much of a pain in the butt as human health insurance!
That being said, I am fortunate enough to have the means for anything that should come up, if I didn't I would use ins. and thinks it's a GREAT idea. I would be interested to see how many pets have are alive right now as a result of their owner being able to get them the care they needed because of having ins. and would have needed to put their pets down because of the cost of the surgery/illness if it was out of pocket!
We are in australia. We have medi bank gold paw coverage for Shadow. This gives us up to 15,000 annual coverage, plus $70 annual well being care,plus approx $95 annual routine stuff eg, council reg fees, flea/tick treatment, or behavior therapy or training.
Touch wood we have only used this for the well being care and the routine stuff, the pay back was quick and easy.
This is really interesting. I too am deciding between PetPlan and Trupanion. I wonder if one of these companies is more stable and likely to be around in 10 years than the other?
You never know what could happen! Like I said, our other dog cost us 8700 bucks in a period of 10 days. And with pancreatitis, it can flare up at any time if your not careful about their diet. We've had a couple of close calls but now I know what to do if she does have a flare up!
I have Pets best but have not used it yet. I do have the routine coverage so will be testing it out in the next month or so. I looked at Trupanion and what kept me from them is the fine print. If your dog is not spayed/neutered at the vet recommended age then they will not cover any injury from fight or car accidents, etc. I refuse to neuter my boy at 6 month, I feel it is to young. I am not sure if that matters say if after he is neutered I decide to get Trupanion.
I have 3 GS - VPI was charging me about $2000 a year for all 3 based on various age criteria.
It turns out they are very good at issuing refunds and checks, but the problem for me was that I never had any dramatic situation (cancer, major surgery) on my dogs. Therefore I ended up paying 2000 - 300 in refunds = 1700 more than I would have without VPI.
I have also been put off by the yearly updates: less and less covered and more caps on what was covered.
I don't have insurance and will never get it. My dogs haven't needed any healthcare besides the basics and if I had insurance, I would probably be paying those out of pocket AND still paying for an insurance I don't need. I'd rather leave money aside for emergencies, I feel safer that way and if nothing happens, I don't lose any money.
We have a specific credit card just for our beloved companions. I know my other half would do any thing to save our pets. It`s not for regular vet visits but for emergencies. Like broken legs, etc. Gives me peace of mind.
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