What Pet Insurance do you use? - German Shepherd Dog Forums
View Poll Results: What Pet Insurance do you have?
PetPlan 5 14.71%
Healthy Paws 8 23.53%
Trupanion 4 11.76%
VPI 1 2.94%
ASPCA 1 2.94%
Embrace 3 8.82%
PetFirst 0 0%
PetsBest 0 0%
None, but looking at options. 7 20.59%
None, and don't plan on it. 5 14.71%
Voters: 34. You may not vote on this poll

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post #1 of 24 (permalink) Old 12-28-2015, 03:41 PM Thread Starter
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What Pet Insurance do you use?

This is a poll just to figure out what the majority of GSDs use for pet insurance. You can add comments about your experience with your insurance or others as well

~Deanna
Bruce - Born Nov. 9th 2015, Pick up Jan. 6th 2016
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post #2 of 24 (permalink) Old 12-28-2015, 03:44 PM
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Healthy Paws very happy with it. Have had it since he was 10 weeks. Remind me and I'll PM you my experiences with them.




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post #3 of 24 (permalink) Old 12-28-2015, 03:48 PM Thread Starter
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Originally Posted by Jax08 View Post
Healthy Paws very happy with it. Have had it since he was 10 weeks. Remind me and I'll PM you my experiences with them.
Thanks, I'm kind of between Healthy Paws or Petplan. Petplan is cheaper if we get it right now, but I've heard they are terrible about raising their rates as the dog gets older.

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post #4 of 24 (permalink) Old 12-28-2015, 03:50 PM
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remind me later to PM you. I looked into several before choosing HP.




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post #5 of 24 (permalink) Old 12-28-2015, 03:53 PM
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I would think they all raise prices annually. Mine went from $37 to $42/month. I have petplan and so far I'm happy with them. I put alot of claims so if they decide not to renew me in April, I will let everyone know. Another company did that to a friend of mine. Not cool!

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post #6 of 24 (permalink) Old 12-28-2015, 04:09 PM
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We have Trupanion for both of our dogs and are pretty happy with them. We almost ended up going with Healthy Paws for Bash, but after really looking through the policies, we decided to stick with Trupanion. Trupanion covers supplements prescribed by your vet, which Healthy paws does not. It may seem like a small thing, but Roxy has been on Welactin and Dasuquin for a while now, and that stuff gets expensive. Also, I liked having the option of choosing to have no deductible. We have made so many claims with them, and we always get a check really fast. Their customer service has been great in the past, too. I will say that our rate increase for Roxy this year was pretty insane. We still come out ahead, though, because Roxy is on a lot of medications for pain/cancer. Her meds and supplements alone would cost us about $300/month without insurance, so paying $90/month for Trupanion, then roughly $30 for the meds still saves us money.

Bash's rate went up $2 per month this year. We'll see what happens as he gets older.

One more thing to mention... Healthy paws covers acupuncture, chiropractic care, etc, whereas Trupanion only covers it if you add on an additional rider (for more money, of course). And, you have to have the rider before anything happens, or it's considered pre-existing. They didn't offer the rider yet when we signed Roxy up, and by the time they did offer it, she was already receiving chiropractic care and acupuncture. Now we can't use the rider, because her condition is pre-existing, even though they didn't offer the coverage before. So we have to pay for acupuncture out of pocket. It's not ideal, but what can we do?

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post #7 of 24 (permalink) Old 12-28-2015, 04:15 PM
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Alot of it is based on what your personal preferences are. HP will cover both ACL's if they tear, most only cover hte first one. They will cover HD once the criteria is met. Yearly deductible instead of per incidence.

So look at them all and see what you prefer.




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post #8 of 24 (permalink) Old 12-28-2015, 04:17 PM
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Quote:
Originally Posted by Jax08 View Post
Alot of it is based on what your personal preferences are. HP will cover both ACL's if they tear, most only cover hte first one. They will cover HD once the criteria is met. Yearly deductible instead of per incidence.

So look at them all and see what you prefer.
^^^This.

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post #9 of 24 (permalink) Old 12-28-2015, 05:08 PM
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I use Petplan mainly because they have no exclusion for injuries incurred during actual work. (Beau is a cadaver dog, Till live find) -- Healthypaws says not covered. Trupanion increases premium. I had VPI at one point and never again. Petplan is only 80% at specialists and doggie ERs so no point going for more coverage. I do high deductible as well. If I did not have that working exclusion I would choose healthy paws.

Funny thing is that both dogs are adults, good working structure (OFA, Penn hip, and other x-rays) and no health problems. I am rethinking but whenever I do, there goes a broken canine, or other injury......

Nancy



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post #10 of 24 (permalink) Old 12-28-2015, 05:40 PM Thread Starter
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Quote:
Originally Posted by jocoyn View Post
I use Petplan mainly because they have no exclusion for injuries incurred during actual work. (Beau is a cadaver dog, Till live find) -- Healthypaws says not covered. Trupanion increases premium. I had VPI at one point and never again. Petplan is only 80% at specialists and doggie ERs so no point going for more coverage. I do high deductible as well. If I did not have that working exclusion I would choose healthy paws.

Funny thing is that both dogs are adults, good working structure (OFA, Penn hip, and other x-rays) and no health problems. I am rethinking but whenever I do, there goes a broken canine, or other injury......
Yeah, it's just even a healthy dog can get into something when you aren't looking, and then you need to take them to the vet and have tests, and maybe even surgery.

I have a question on the working dog exclusion, I'm not sure if anybody can give me an answer here, I may need to e-mail them. We plan on doing some things for fun for Bruce, flyball, maybe agility. If we do these things, is it considered working? Or only if we compete with them?

~Deanna
Bruce - Born Nov. 9th 2015, Pick up Jan. 6th 2016
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Max - With us August 24th 2015 - December 16th 2015
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