Pet insurance - Page 2 - German Shepherd Dog Forums
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post #11 of 105 (permalink) Old 07-28-2018, 11:35 AM
Mei
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We have Embrace through USAA. They are great about answering any of my questions very fast through emails.

Mei - DOB 1/15/2018
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post #12 of 105 (permalink) Old 07-28-2018, 03:20 PM Thread Starter
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Thanks all.
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post #13 of 105 (permalink) Old 07-28-2018, 03:49 PM
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Make sure your dog has ZERO pre existing conditions and has never been sick. Healthy paws would not cover an unrelated condition in our dog and blamed it on one of his pre existing problems. I'm not happy at all with them, seems like pet insurance in general is a major rip off. We're just setting aside our own in a seperate account for his medical issues.

SQUIRREL!
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post #14 of 105 (permalink) Old 07-28-2018, 04:11 PM
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One tip about pre-existing conditions: within 30 days of signing up for a policy, I went to the vet for a check up told the vet we're just there to make an insurance record. He was cool with that -- he did a comprehensive exam (incl. ortho) and noted "normal" next to everything, and he updated any prior issues that had been previously treated (like ear infections, etc.) to "fully resolved" or something like that. This was all above-board and honest -- just documenting correct findings, but he totally understood what we were doing and wrote his notes with the expectation they'd be used by an insurance company down the road (not just for in-house use). It cost me an exam visit, but I think it made the claims process easier.

I would do this for ANY company you sign up with.
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post #15 of 105 (permalink) Old 07-28-2018, 09:45 PM
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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 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 a $15,000 vet bill, 90% of it is 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 comes close to this coverage, plus their premiums are very reasonable. (not sure if Trupanion in the USA offers the same coverage as it does here in Canada)

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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 #16 of 105 (permalink) Old 07-28-2018, 10:53 PM
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Other plans also offer 90% coverage options, and an annual deductible, as opposed to per condition. I like that Trupanion will pay vets directly. I am currently shopping for a plan also, and so far like Pet Plan’s coverage best. Does anyone have any experience with Pet Plan?
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post #17 of 105 (permalink) Old 07-29-2018, 12:42 AM
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Quote:
Originally Posted by Beau's Mom View Post
Does anyone have any experience with Pet Plan?

Yes -- the problems with Pet Plan have been discussed extensively in the sticky insurance thread linked above.
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post #18 of 105 (permalink) Old 07-29-2018, 12:46 AM
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Quote:
Originally Posted by camperbc View Post
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 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 a $15,000 vet bill, 90% of it is 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 comes close to this coverage, plus their premiums are very reasonable. (not sure if Trupanion in the USA offers the same coverage as it does here in Canada)

Glen
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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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post #19 of 105 (permalink) Old 07-29-2018, 10:54 AM
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Truepanion is good and really expensive. They have some exclusions as well. They do not cover anal gland expression for one and this below which is written in the contract in my state.

Read your policy, than read it again. All these companies are out to protect themselves.

Some of Truepanions contracts have this in it depending where you live. Based on this, I didn't even consider them. If you do not have this line in your policy or get your dog fixed before age one, than they are a company if its affordable I would recommend.

You must arrange for your pet to be neutered or spayed prior to its
first birthday. If you do not comply, no coverage shall apply for illness
related to prostate problems, hormonal skin conditions, perianal
hernias, 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 stipulation
does not apply 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 60 days of
being adopted.
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Last edited by kr16; 07-29-2018 at 11:02 AM.
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post #20 of 105 (permalink) Old 07-29-2018, 11:44 AM
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I like that trupanion will pay direct to the vet - if the vet accepts this - not all vets will accept direct payment from trupanion but it is nice option. I like there are different packages with different deductibles and monthly payments. We have trupanion and had no issues with claims- received a check one week later. If we would switch insurance- coverage for our older chihuahua decreases so as of now I have no complaints- it’s for those insane vet bills -max’s stick and corncob sx and really has helped out. In the senior years vet costs can be pricey it’s the reason why I wanted to get pet insurance.


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Last edited by Jenny720; 07-29-2018 at 11:49 AM.
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