Health insurance opinions - Page 4 - German Shepherd Dog Forums
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post #31 of 73 (permalink) Old 05-30-2011, 12:57 PM
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Petplan people were cool they are sending me a copy of the policy's. I got to speak to an upper person since I am licensed.

The deductible is not per visit. It is per incident so if your dog breaks its arm, you pay the deductible and than they cover either 90% or 80% depending on what vet you visited. if you have to go to 5 different vets for the same arm the deductible is already met.

That line you find on trupanions website Reasonable costs does not exist and its a lie and a non issue for petplan. Thats a huge minus for trupanion.

This is on the website for petplan

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. "


The meaning of this is if your vet charges $1000 for the broken arm but normally charges $500 they will dispute the charges. How they dispute and research that is vague since the vet could care less about the insurance company, they do not deal with them, we do. Doubt the vet will send them other peoples bills to show. So I would assume if the bill is an outright high charge they may dispute it. That is similar to the above line about reasonable charges.

People on this site that have petplan, the more positive or negative feedback we can get will help all of us.


I have pdf's of all petplan policys if anyone wants them give me your email address and I will send them to you. Now I have to read up.
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post #32 of 73 (permalink) Old 05-30-2011, 01:03 PM
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wow, so typical Trupanion was not lying petplans was. First line in the policy.

1. VETERINARY FEES
We
will pay the reasonable cost(s) of any medically necessary
treatment your pet
has received during the policy period for a
covered
illness or injury, up to the maximum annual benefit for
this coverage part as specified on
your Declarations Page. The

illness
or injury and veterinary treatments must take place within

the
policy period.
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post #33 of 73 (permalink) Old 05-30-2011, 02:46 PM
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I will start with Petplan. Please keep in mind these are only my opinions based on my knowledge of the insurance industry. I am not out to insult any members who may have this plan or their love of it.

The writings in their policy's are fact and become a binding contract when you purchase and sign any plan

Pet Plan

Gold Plan

all non chipped dogs, all based on my Florida zip code

$200 deductible

90/10 regular vet
80/20 specialists

Prices for a 1 year old GSD= $44.91
Prices for a 5 year old GSD= $61.88
Prices for a 10 year old GSD= $81.84

Silver Plan

all non chipped dogs, all based on my Florida zip code

$200 deductible

90/10 regular vet
80/20 specialists

Prices for a 1 year old GSD= $50.50
Prices for a 5 year old GSD= $55.70
Prices for a 10 year old GSD= $73.59

Bronze Plan

all non chipped dogs, all based on my Florida zip code

$200 deductible

90/10 regular vet
80/20 specialists

Prices for a 1 year old GSD= $35.43
Prices for a 5 year old GSD= $50.00
Prices for a 10 year old GSD= $65.97










Overall not much that would scare me away from them. Ownership is strong and the pre existing exclusions are normal.

The only negative I see is the reasonable cost line which makes claim repayment possible sketchy.

I am not sure if the rider on cruciate ligaments, or defects of the patella is a big deal. Its probably not a good thing or it wouldnt be in their.

Couldn't find any exclusions on Hip dysplasia
They are owned by Alianz that's a good thing

This shows up twice, not a fan of this line, hopefully its a non issue.

1. VETERINARY FEES
We will pay the reasonable cost(s) of any medically necessary
treatment your pet has received during the policy period for a
covered illness or injury, up to the maximum annual benefit for
This coverage part as specified on your Declarations Page. The
illness or injury and veterinary treatments must take place within
the policy period

d. The portion of the cost of treating an illness or injury that is greater
than the reasonable cost(s) for treating such illness or injury.

exclusions:

Any
treatment associated with damage or rupture of cruciate
ligaments, or defects of the patella during the first six (6) months
that the policy is in effect. Except coverage is given if a certificate
of health stating that
your pet has been examined and does
not have any
pre-existing conditions relating to the cruciates
or patellas is provided by
your primary vet during the first 30

days beginning on the effective date of the policy.

If
your pet has received treatment for a cruciate injury to one
leg then the other leg is automatically excluded from coverage

for a period of twelve (12) months from the date of
treatment.


Treatments or preventive treatments for parasites or conditions
related to parasites (internal or external) unless there is no
preventive medication for the parasite including but not limited to:
(1) Heartworms.
(2) Fleas.
(3) Ticks.
(4) Roundworms.
(5) Tapeworms.
(6) Hookworms


Any amount as a result of:
(1) Earthquake.
(2) Tornado.
(3) Named Storm.
(4) Windstorm.
(5) Flood.
(6) Other natural disaster.
(7) Invasion.
(8) War.
(9) Revolt.
(10) Rebellion or terrorist acts.
(11) Revolution, military or usurped power.
(12) Governmental seizure.
(13) Quarantine.
(14) Other action related to public safety or health.


To be afforded coverage for the diseases listed below, you must
keep your pet vaccinated at your expense, as recommended by
your primary vet. We will not pay any claims that result from or
are related to any illness that is listed below that a vet recommended
vaccine would have prevented.
(1) Canine distemper.
(2) Canine adenovirus 2 (canine viral hepatitis).
(3) Canine parainfluenza.
(4) Canine parvovirus.
(5) Leptospirosis.
(6) Rabies.
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post #34 of 73 (permalink) Old 05-30-2011, 03:08 PM
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Trupanion Plan

I wouldnt buy this if the dog is over one, due to the hip exclusion. I also do not like the neutering exclusion if you waited past one year.

all based on my Florida zip code
all are priced with this $4.95 a month extra


• Advertising and reward costs for a lost pet
• Boarding fees during owner hospitalization
• Trip cancellation costs due to a sick or injured pet
• Cremation or burial costs
• Third party property damage

$200 deductible

90/10 for everything

Prices for a up to a year old includes hip dysplasia year old GSD= $48.11 plus add
Prices for a 5 year old GSD= $56.80 no hips included

Prices for a 10 year old GSD= $70.58 no hips included

Exclusions:

Hip dysplasia, unless waived by endorsement; endorsement can only be bought before first birthday

The cost of treatment for bilateral conditions presenting on one side of the body, in which that condition was already a pre-existing condition on the other side of the body, such as luxating patella or anterior cruciate ligament (ACL) weakness;

Parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available

Claims in any way arising from the lack of use and/or implementation of preventive healthcare products and/or methods when such products and/or methods would be in accordance with generally accepted veterinary standards. Routine healthcare includes but is not limited to; vaccinations, flea control, heartworm medication, de-worming, dental care, ear plucking and grooming;

For pets that have not been neutered or spayed prior to their first birthday, no coverage shall apply for illness related to prostate problems, hormonal skin conditions, 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 limitation does not apply to pets that have been spayed or neutered prior to their first birthday, to pets where the timing of being spayed or neutered was in conjunction with their veterinarian’s medical recommendations, or to pets spayed or neutered within 30 days of being adopted
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post #35 of 73 (permalink) Old 05-30-2011, 03:18 PM Thread Starter
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The AKC Healthcare plan is comparable to that, but the preminiums are cheaper.
My AKC plan is 36/month covers almost everything except HD and other congenital diseases, the deductable is 125.00 per year, and after than it is 80/20 with a max benifit of 11,000
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post #36 of 73 (permalink) Old 05-30-2011, 03:23 PM
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Quote:
Originally Posted by slefferd View Post
The AKC Healthcare plan is comparable to that, but the preminiums are cheaper.
My AKC plan is 36/month covers almost everything except HD and other congenital diseases, the deductable is 125.00 per year, and after than it is 80/20 with a max benifit of 11,000
This plan looks good except this exclusion would scare me away from buying it, to vague and impossible to prove either way.

http://www.akcpethealthcare.com/libr...ss_plus_tc.pdf

Conditions always excluded: congenital/inherited conditions; eye conditions including aberrant cilia, dermoid, distichiasis, entropion/ectropion; CDRM; chronic renal (kidney) failure; deciduous teeth (illness or injury); diabetes (insipidus or mellitus); elbow dysplasia (OCD, FCP, UAP); hemophilia; congenital heart problems including murmurs, failure, cardiomegaly (enlargement of the heart); hip dysplasia; congenital liver conditions; obesity (not due to an underlying medical condition); OCD (including but not limited to the hock, elbow, carpus and shoulder); osteoarthritis; congenital shunts to include portostymic shunt; elongated soft palate; stenotic nares; spondylosis; Von Willebrand’s disease; luxating patella; umbilical hernia.

Last edited by kr16; 05-30-2011 at 03:32 PM.
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post #37 of 73 (permalink) Old 05-30-2011, 03:38 PM
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Quote:
Originally Posted by slefferd View Post
The AKC Healthcare plan is comparable to that, but the preminiums are cheaper.
My AKC plan is 36/month covers almost everything except HD and other congenital diseases, the deductable is 125.00 per year, and after than it is 80/20 with a max benifit of 11,000
you also have a max coverage per incident so this plan is not similar. Its a good preventative plan that gives some good visits its not for major work or dollars. The two more expensive plans are similar but still have a max per incident

read this

http://www.akcpethealthcare.com/plan...omparison.aspx
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post #38 of 73 (permalink) Old 07-01-2011, 12:38 PM
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Just to update this a little, truepanion has a 30 day waiting period upon approval that your dog cant get sick. Petplan is 14 days.

I also messed up on the pricing below of the petplan. just run your own quotes to check prices. I plan on buying one of these today and still havent made up my mind. If your dog is over one year and hasnt been fixed buy petplan.

The online reviews are so mixed on both these companies. What I can say is I would never get ASPCA or VPI
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post #39 of 73 (permalink) Old 08-12-2011, 10:58 AM
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Healthy Paws

So far this plan looks good, very small amount of exclusions. The deductible is calendar year, that's good also. Prices are in line with others. I really need to see the declaration page since it is part of the contract without that I cannot give a thumbs up or down. But by what I see so far I like it.
This is an important piece to this policy, "the declarations page". This is no where to be found on their website. This may have maximums per sickness, no idea until I see this. Also the hips are something it reads they do not want to cover although they say they will. No one should consider this if the dogs over 6 years old. Also working dogs need not to apply.

Do you limit claims annually or per incident?
One of the many benefits of our plan includes no annual or per incident limits to your claims. This is especially important for those unexpected, serious conditions like cancer or kidney failure

LIFETIME LIMIT
: The maximum amount you may claim while coverage is in force with respect to any one pet

for
veterinary treatment over the lifetime of that pet. The Lifetime Limit is shown on the declarations page.

Subject to the maximum lifetime limit, there are no limits per claim or per year.


15 day waiting period

Illness
related to hip dysplasia that occurs or recurs within the first twelve (12) months following the pet policy

effective date

LIMITATIONS
a. A
pet less than six (6) years of age on the date of enrollment must have undergone a complete clinical
examination.
The exam must have taken place either in the twelve (12) months prior to the pet’s policy
effective date
, or within fifteen (15) days following the pet’s policy effective date. A pet six (6) years of age
or greater on the date of enrollment must have undergone a complete
clinical examination. The exam must
take place either within thirty (30) days prior to the
pet’s policy effective date, or within fifteen (15) days
following the
pet’s policy effective date. Your failure to submit your pet to a complete clinical examination

may void the policy. If the policy is voided, the policy premium will be refunded.
b. For a
pet less than (6) years of age on the date of enrollment, no coverage shall apply for illness related to
hip dysplasia, unless the pet has undergone a complete physical hip exam as required by
us within twelve
(12) months following the
pet’s policy effective date.
c. For
pets six (6) years of age or greater on the date of enrollment, no coverage shall apply for illness related
to hip dysplasia.
d. For
working pets, no coverage shall apply for any condition resulting from activities related to racing,

breeding, law enforcement, guarding or for any commercial use.
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post #40 of 73 (permalink) Old 10-12-2011, 02:01 PM
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I know this thread is older, but I was wondering what insurance most people went with? We're looking into getting insurance for our female 6 month old rescue GSD. Our girl has not yet been spayed but she will be, probably after her first heat. She has not yet been micro-chipped but will be soon. We live in Los Angeles and there are too many people/dogs/cars/opportunities to get hurt or lost to not chip her IMO.

Since we know nothing about her genetic background, I definitely want a plan that covers hip dysplasia. It looks like Pet Plan and Trupanion are the front runners - is one significantly better for our 6 month old? We'd also like to recommend a plan for my mom's Sheltie, he's about to turn a year old and has already been neutered/will be chipped.

Pippin, Shetland Sheepdog (1997 - 2011) - RIP sweet boy
Haji Baba, Tabby Cat (1996 - 2012) - RIP my heart
Button, Black Long Coat Cat (~June 5th, 2006)
Milou Van Der Maas, Long Coat GSD (March 23, 2011)

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