Pet insurance - Page 11 - German Shepherd Dog Forums
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post #101 of 105 (permalink) Old 06-30-2019, 11:09 PM
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Interesting, I got that quote from PetPlan. Iíll look into Trupanion.
Yeah, Trupanion seems to have the very best coverage, at least here in Canada. We did a TON of research on this subject prior to getting Sheba, and Trupanion wins, hands down. 90% coverage, (instead of standard 80%) pretty much everything under the sun is covered, (all illnesses and injuries, hereditary and congenital conditions, diagnostic testing, cancer treatments, hospital stays, all surgeries, hip dysplasia issues, medications, supplements, prosthetic devices/carts, etc) and most importantly, there are no maximum payouts ever, so even if you get multiple $15,000 vet bills over time, 90% of it is always covered. You get to choose your rate of deductable, which you only ever pay once, per condition, for the life of your pet. No other company even came close to this coverage, plus their premiums are very reasonable. We pay about $50/month including tax. Also worth mentioning that we don't have to pay anything up front, as our vet's office handles all of the billing details directly with Trupanion.

Glen
www.FocusOnNewfoundland.com

OUR DOGS:
purebred GSD - Sheba
purebred Shih Tzu - Chrissy
mixed Maltese/Scottish Terrier - Bubba
purebred GSD - Chrissy
purebred Toy Poodle - Freeway
purebred Toy Poodle - Benji
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post #102 of 105 (permalink) Old 06-30-2019, 11:24 PM
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Originally Posted by camperbc View Post
Yeah, Trupanion seems to have the very best coverage, at least here in Canada. We did a TON of research on this subject prior to getting Sheba, and Trupanion wins, hands down. 90% coverage, (instead of standard 80%) pretty much everything under the sun is covered, (all illnesses and injuries, hereditary and congenital conditions, diagnostic testing, cancer treatments, hospital stays, all surgeries, hip dysplasia issues, medications, supplements, prosthetic devices/carts, etc) and most importantly, there are no maximum payouts ever, so even if you get multiple $15,000 vet bills over time, 90% of it is always covered. You get to choose your rate of deductable, which you only ever pay once, per condition, for the life of your pet. No other company even came close to this coverage, plus their premiums are very reasonable. We pay about $50/month including tax. Also worth mentioning that we don't have to pay anything up front, as our vet's office handles all of the billing details directly with Trupanion.

Glen
www.FocusOnNewfoundland.com
$50 a month for that insurance coverage makes a lot of sense then, but why are my quotes so much higher than yours?
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post #103 of 105 (permalink) Old 07-01-2019, 12:03 AM
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Trupanion quoted me 250/mo with a 200 deductible. That seemed pretty steep. And they won't cover anything pre existing.
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Originally Posted by scuba_bob View Post
$50 a month for that insurance coverage makes a lot of sense then, but why are my quotes so much higher than yours?
I posted this a while back. I checked a few different companies and the quotes were ridiculous. I opted to bank the cash and get a credit card just for her, for emergencies. The puppy premiums go up every year, so even if you get insurance on a new puppy by the time they are full grown adults you are paying a lot. I tried Alberta and then tried again in Ontario.
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post #104 of 105 (permalink) Old 07-01-2019, 12:32 AM
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$50 a month for that insurance coverage makes a lot of sense then, but why are my quotes so much higher than yours?
I have heard people say that it depends on which province you reside in, but even so, I'm not sure why NL would be so much cheaper than other provinces. Our senior dog (almost 12) costs us only a buck or two more per month than our 22 month old. (we currently pay about $51 and $49). Having said that, if Trupanion suddenly started doubling or tripling our premiums, then we would cancel our policies and simply put money aside each month in our own emergency doggie medical fund, and be done with it. But Trupanion has assured us that our rates will increase just a wee bit each year, basically to reflect the annual inflation rate, (generally in the ballpark of 2%) which has indeed been our experience to date.

Glen
www.FocusOnNewfoundland.com

OUR DOGS:
purebred GSD - Sheba
purebred Shih Tzu - Chrissy
mixed Maltese/Scottish Terrier - Bubba
purebred GSD - Chrissy
purebred Toy Poodle - Freeway
purebred Toy Poodle - Benji
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post #105 of 105 (permalink) Old 07-01-2019, 02:29 PM
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Did your car insurance go up this year, without any accidents or claims? Your health insurance? Etc. Minor increases are just kind of how the entire industry rolls. My Healthy Paws increases have been mildly annoying but far less than employer health insurance increases! When I had PetPlan, I was seeing increases exceeding 25% a year, with policy revisions giving me worse coverage to go along with paying more.

HP did jump when one of my old dogs crossed a key age in their rating software -- so you should expect to see a bigger increase as a dog becomes a senior, but that shouldn't be much of a surprise as they're higher-risk at that age, and the contract isn't a level-premium for life.

I *wish* there were a rider where if you bought it for a young dog, the premium would stay level for 15 years...kind of like term life insurance. I'd far rather "lose the bet" and have them keep my money without any claims than go through that.

I know it's easy to feel like you're "wasting money" in the years when you have no claim....but try to remind yourself, that's the point of insurance. You don't want to have claims on your car insurance, flood insurance, fire/homeowners insurance, or life insurance either, right? And yet you pay for them. You don't want major claims on health insurance either. Not having claims means life is good -- nobody's hurt or suffering.

The year I "won the bet" with pet insurance was a year my dog was diagnosed with cancer. Keep that in perspective as you look back at not having any claims.
Fortunately my car insurance hasn't increased in a couple of years, and has never increased 10% in a year; same for health insurance. I would be screaming bloody murder! But yeah, I agree, when you need insurance, you're glad to have it. I had a dog with cancer and I had no health insurance for him. It took YEARS for me to pay off his medical expenses. Still annoying when my policy goes up because other people are making claims, and it never goes down.
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