Pet insurance - Page 3 - German Shepherd Dog Forums
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post #21 of 105 (permalink) Old 07-29-2018, 03:53 PM
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Quote:
Originally Posted by kr16;9093323
[B
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.
[/B]
Wow is this true?
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post #22 of 105 (permalink) Old 07-29-2018, 05:02 PM
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Originally Posted by McGloomy View Post
Wow is this true?

LOL, it was posted by one of the few people on the board who actually read insurance contracts for a living. If you look back at the sticky thread, kr16 has done outstanding policy analysis here, for a long time.

Anyone who buys pet insurance without reading the actual insurance contract is playing with fire -- with any company.
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post #23 of 105 (permalink) Old 07-30-2018, 10:40 PM
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Quote:
Originally Posted by McGloomy View Post
Wow is this true?

Depends where you live. Pet Insurance falls under property and casualties insurance, not health insurance. Each state may have different rules. That clause is in my state, Florida, not in all.

My overall point is everyone needs to read the contract to see whats in it. You never know what they may sneak in or if your state has different rules.

That same clause is in Figo's policy for Florida and NY not for the rest of the country.

So if I had that policy when my boy at age 5 got a swollen prostate and was bleeding it would not have been covered. We treated him and eventually fixed him . Petplan paid for everything including the neutering since it was for medical reasons. The bill was pretty expensive.

It also helps when your vet is on board and knows how to write this stuff up. You really need a vet that works with you on this. Its to the vets advantage.

They do not have a M.I.B. for dogs that shows pre existing conditions. Medical Information Bureau not Men in Black. Everyone who is reading this has had all your human medical info reported to them especially when you have insurance. It is just like your credit report. Hippa is BS, your info has been shared for years.

https://www.mib.com/facts_about_mib.html

The dog insurance companies use your vets sheet he writes on as proof of past history that you send in.
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Last edited by kr16; 07-30-2018 at 10:52 PM.
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post #24 of 105 (permalink) Old 07-31-2018, 06:13 AM Thread Starter
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Thanks for following this kr16.
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post #25 of 105 (permalink) Old 07-31-2018, 05:02 PM
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Right. Because I read Healthy Paws, Figo, Embrace, Petplan, Trupanion's policy thoroughly (I live in California) and it didn't say such thing, so I was like what? Lol. I enrolled with Healthy Paws just 2 months ago, went to the vet within 30 days, and already submitted the health record to them. Wouldn't want any surprises should I ever make a claim!
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post #26 of 105 (permalink) Old 08-01-2018, 10:18 PM
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I had PetsBest for years in California, no complaints. Now in Idaho, I have had Embrace for the past year. So far, so good. Quick reimbursements - pay 100% for exams and monthly flea meds. Had my pup spayed recently & cant remember exact percentage, but I don’t remember feeling gauged with the final post-ins bill! 😉
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post #27 of 105 (permalink) Old 08-02-2018, 09:39 PM
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Originally Posted by Sabis mom View Post
Trupanion quoted me 250/mo with a 200 deductible. That seemed pretty steep. And they won't cover anything pre existing.
Wow! We pay just $48/month for Sheba. (with $300 deductible) Can't imagine being with any other company than Trupanion.

Glen
Focus On Newfoundland

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 #28 of 105 (permalink) Old 08-02-2018, 11:05 PM
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Wow! We pay just $48/month for Sheba. (with $300 deductible) Can't imagine being with any other company than Trupanion.

Glen
Focus On Newfoundland
So... I'm moving to Newfoundland? Lol, would not mind that a bit.
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post #29 of 105 (permalink) Old 08-02-2018, 11:56 PM
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So... I'm moving to Newfoundland? Lol, would not mind that a bit.
Heehee Sabis mom, you'd love it here! Mind you, the property taxes may scare you... a whole $300/year for our oceanfront home...


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Focus On Newfoundland





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 #30 of 105 (permalink) Old 08-03-2018, 12:05 AM
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I am looking at a property in Northern ON with about those taxes for 150 acres. Love it.

Oh, and I grew up in NS so you can show me pics of that beautiful ocean anytime you like. I like storm pics. Hint, hint.
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