Pet insurance? - German Shepherd Dog Forums
 
LinkBack Thread Tools
post #1 of 7 (permalink) Old 07-04-2010, 09:42 AM Thread Starter
Junior Member
 
Sir_Henry's Avatar
 
Join Date: Jun 2010
Location: Tampa, FL
Posts: 31
Question Pet insurance?

My trainer highly recommended we get pet insurance for our little guy. He's going to be 11 weeks on Tuesday. I'm so confused looking at all the different providers out there! Any recommendations on who offers the best coverage for accidents and wellness? Also, who is the most efficient with reimbursements? Thoughts?
Sir_Henry is offline  
Sponsored Links
Advertisement
 
post #2 of 7 (permalink) Old 07-07-2010, 05:23 PM
Senior Member
 
Cluemanti's Avatar
 
Join Date: Jun 2010
Location: North Carolina
Posts: 438
I think a good start would be to call your Vet and ask them for any recommendations they have based on their experience. You can also search on here and find a good amount of info.

I am in the same boat as you. Originally was going to go with Trupanion but still have yet to decide.
Cluemanti is offline  
post #3 of 7 (permalink) Old 07-07-2010, 05:43 PM
Senior Member
 
Cluemanti's Avatar
 
Join Date: Jun 2010
Location: North Carolina
Posts: 438
Also many users on here use Pet Plan. I'm looking into that company as well.

Pet Insurance for Dogs and Cats - Petplan Pet Health Insurance
Cluemanti is offline  
Sponsored Links
Advertisement
 
post #4 of 7 (permalink) Old 07-07-2010, 05:50 PM
Senior Member
 
Join Date: Aug 2002
Location: IL
Posts: 294
I know the one for you NOT to choose: VPI
We had all our GSDs covered by the top plan VPI offered (cannot remember now but it was their premier option. Everything under the sky kind of plan. Great for the annual check ups. Then Byron came up with EPI (which, by the way, was supposed to be covered for diagnostic tests, treatment, appointment...). After we turned in the claim for the lab test and vet appointment got this pathetic check for $50 saying that that would be the annual max they would cover for that since "there's no cure for EPI" gosh I can still hear that "lady's" voice saying that. Fifty dollars? Really? The flipping test alone was $150. Not to mention that $50 was Byron's monthly premium. Great! So for years we were paying $50/dog/month and when we finally needed they capped his condition coverage at $50/year. Wow.
Sorry... didn't mean to sound angry but I still get aggravated when I talk about VPI.
I'm currently looking for options now. Let's see how this thread goes.
Hopefully we have more members with good insurance suggestions.
Cheers,
Ana
Baby Byron is offline  
post #5 of 7 (permalink) Old 07-07-2010, 06:04 PM
Member
 
WynterCote's Avatar
 
Join Date: Feb 2010
Location: CT
Posts: 174
Its more confusing than human health care! We decided to just start an envelope for our dog. We began with $200 in there to start and then we add $50 every month, since this is what you'd pay for a decent insurance plan. That way we have $600 per year or $3000 by age 5 when health problems may begin (but hopefully not). That way it's there for her if she needs it, and we don't have to forgo our vacation or our mortgage if something comes up. We pay for her monthly meds (heartguard & frontline) and yearly appointments out of pocket since it's not that much and not too many plans cover these things anyway. We'd rather just save money for her, that way it can be used for any medical problem. We don't want to run into coverage issues later, after we've thrown thousands into an insurance plan over the years. We're still looking into some minimal coverage plan ($15 per month or so) for emergency or accident care just in case.

~ Jen

'Shya' Xaera vom Nordosten Haus, GSD (b. Jan 2010)
'Behr' (2000-2009), GSD, always in my heart.
WynterCote is offline  
post #6 of 7 (permalink) Old 07-09-2010, 05:17 PM
Knighted Member
 
roxy84's Avatar
 
Join Date: Jun 2007
Location: SW MICHIGAN
Posts: 2,211
Pet Plan, hands down, IMO. they have very few restrictions, no lifetime limits on conditions. your chosen coverage amount renews every year. hereditary conditions covered.

all my claims have been paid in a timely manner. i pay about $23/month on a 3 yr old female gsd. i get $8,000/yr in coverage. there is a $200 deductible, then i pay 10%.

very reasonable....BUT it is not a wellness plan. routine, preventative stuff should be able to be handled by a pet owner anyway.


here is an indeependent review site of some plans.

Pet Insurance Review

Derek

owned by:
Kimba (gsd) 5/9/07
Saby the mutt~1/15/01
Frisco (gsd) 6/21/02
Luka (feline)d.o.b.~2004
RIP-canines-Buddy, Roxy, Kujo, Kato, Pierre
felines-Chanel, Panther, TJ
roxy84 is offline  
post #7 of 7 (permalink) Old 07-09-2010, 06:04 PM
Master Member
 
Hunther's Dad's Avatar
 
Join Date: Mar 2010
Location: San Francisco Bay Area
Posts: 611
Quote:
Originally Posted by Baby Byron View Post
I know the one for you NOT to choose: VPI
We had all our GSDs covered by the top plan VPI offered (cannot remember now but it was their premier option. Everything under the sky kind of plan. Great for the annual check ups. Then Byron came up with EPI (which, by the way, was supposed to be covered for diagnostic tests, treatment, appointment...). After we turned in the claim for the lab test and vet appointment got this pathetic check for $50 saying that that would be the annual max they would cover for that since "there's no cure for EPI" gosh I can still hear that "lady's" voice saying that. Fifty dollars? Really? The flipping test alone was $150. Not to mention that $50 was Byron's monthly premium. Great! So for years we were paying $50/dog/month and when we finally needed they capped his condition coverage at $50/year. Wow.
Sorry... didn't mean to sound angry but I still get aggravated when I talk about VPI.
I'm currently looking for options now. Let's see how this thread goes.
Hopefully we have more members with good insurance suggestions.
Cheers,
Ana
Seconded. Surgery for a torn leg muscle = $3100. They first reimbursed me for a whopping $105.30. At $28 and change per month, I would have been better off not buying their policy at all, and told them so. When I threatened to cancel all three policies, they "investigated" the claim again and came up with an extra $445.

Just say no to VPI.

"What's there to dominate when your dog is well trained and it does what you ask??" - DoggieDad
Hunther's Dad is offline  
Sponsored Links
Advertisement
 
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the German Shepherd Dog Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Similar Threads
Thread Thread Starter Forum Replies Last Post
Homeowners Insurance/Renters Insurance llombardo General Information 7 01-20-2016 04:56 PM
Pet Insurance - Pet Care Insurance - any opinions? Meima Health Issues 14 12-01-2008 05:36 PM
Pet Insurance Recommendations. alienegypt Health Issues 3 07-31-2008 09:37 PM
Pet Insurance GSDLover_Forever Basic Care 8 07-12-2008 09:39 PM
Pet Insurance law1558 Basic Care 4 06-25-2008 09:27 AM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome