Health insurance opinions - Page 3 - German Shepherd Dog Forums
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post #21 of 73 (permalink) Old 05-30-2011, 11:34 AM
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Great thread, and thanks for doing some research. I have VIP for Ruger. I did have an issue with him and what they covered in expenses was laughable. It was only a very small amount. When I got Cues, I opened a savings account just for her to self insure her. It's up to $5,500 now. I would probalby opt for conventional insurance if I could find one that made sense.
Knowing how much I've given VIP over the years, and how much they gave me back, just doesn't add up. If I had opened an account for Ruger when he was young, I could have easily covered his expenses, and have a lot more left.

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post #22 of 73 (permalink) Old 05-30-2011, 11:44 AM
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Originally Posted by cindy_s View Post
Great thread, and thanks for doing some research. I have VIP for Ruger. I did have an issue with him and what they covered in expenses was laughable. It was only a very small amount. When I got Cues, I opened a savings account just for her to self insure her. It's up to $5,500 now. I would probalby opt for conventional insurance if I could find one that made sense.
Knowing how much I've given VIP over the years, and how much they gave me back, just doesn't add up. If I had opened an account for Ruger when he was young, I could have easily covered his expenses, and have a lot more left.

So far I like trupanion and petplan. I will do a cost breakdown and compare apples to apples to see which one is better. When I am comfortable with what petplan policy covers I will do this. Anyone on on VPI, yuck, I would look at something else.
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post #23 of 73 (permalink) Old 05-30-2011, 11:49 AM
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I thought I read that PetPlan will cover hip dysplasia, but Trupanion will not.
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post #24 of 73 (permalink) Old 05-30-2011, 11:56 AM
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I thought I read that PetPlan will cover hip dysplasia, but Trupanion will not.
Looks that way, thats a big plus for petplan


What are some important exclusions I should be aware of?Trupanion:
  1. Pre-existing conditions
  2. Hip dysplasia - optional coverage for dogs and cats enrolled before 1st birthday
  3. add $4.80 cents for coverage before 1st birthday
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post #25 of 73 (permalink) Old 05-30-2011, 11:58 AM
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From the PetPlan site:

"Reimbursement is based on what your veterinarian actually charges. It is not based on what a benefit schedule dictates or a "usual or customary" fee determined by the insurance company. "

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post #26 of 73 (permalink) Old 05-30-2011, 12:26 PM
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From the PetPlan site:

"Reimbursement is based on what your veterinarian actually charges. It is not based on what a benefit schedule dictates or a "usual or customary" fee determined by the insurance company. "

Saw that, that's why I would like to see a policy to see what's written in the legal document. That contradicts what I saw in trues website on comparisons. Feed back from members would be great also on experiences with these companies.

Insurance is one of the slimiest industries in the world. People who sell it deceive and lie. The Insurance companies have so many things hidden in the actual policies one would never know these things. The best way to understand is by feedback and research.

Last edited by kr16; 05-30-2011 at 12:31 PM.
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post #27 of 73 (permalink) Old 05-30-2011, 12:28 PM
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I have been with PetPlan since Jan 10 and they have always paid according to my policy. I pay a $200 deductible per incident and for Nikki's specialists 20% of the bill is my responsibility.

I have never had any problems with getting paid for a claim, just the opposite. Unfortunately we have had to make several claims already and are dealing with chronic health issues that will need treatment for life. Last years veterinary bills added up to over $10,000

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post #28 of 73 (permalink) Old 05-30-2011, 12:32 PM
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Quote:
"Reimbursement is based on what your veterinarian actually charges. It is not based on what a benefit schedule dictates or a "usual or customary" fee determined by the insurance company. "
You can find this statement on their website:

Petplan's Flexible Dog Insurance Policies

Olivia von Jagenstadt "Nikki" 11/21/2009


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post #29 of 73 (permalink) Old 05-30-2011, 12:34 PM
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I have been with PetPlan since Jan 10 and they have always paid according to my policy. I pay a $200 deductible per incident and for Nikki's specialists 20% of the bill is my responsibility.

I have never had any problems with getting paid for a claim, just the opposite. Unfortunately we have had to make several claims already and are dealing with chronic health issues that will need treatment for life. Last years veterinary bills added up to over $10,000

Michaela
Thanks, good info, so the deductible is per incident not calender year. And I want to see a policy not a website add. They do not have a sample on their site like the others.
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post #30 of 73 (permalink) Old 05-30-2011, 12:50 PM
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Thank you Kr16 for your time as I am thinking of getting petplan. I will be watching this very close.
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