I;ve always used petsbest.. and they have always paid ok. What is the consensus on going with petplan or trupanion?
Sorry just saw this. Just by this line in the policy I wouldn't get it. leave the door open for them to pay nothing
Any illness or injury that begins before your policy is effective, or during your waiting period, will be considered “pre-existing”. Even if your pet had no signs or symptoms and wasn’t diagnosed, some conditions can still be considered pre-existing.
Some conditions, like broken legs, heal and require no further treatment. Once healed, these are not considered pre-existing conditions.
Congenital conditions are present at birth, even if they aren’t noticeable right away, and are therefore considered pre-existing. The most common examples of congenital conditions include patellar luxation, umbilical hernia, elongated soft palate and portosystemic shunt.
Pet insurance is usually, you pay and they reimburse you later. So you charge a credit card and they will then give you the money back (usually like 80% of large procedures).i have a question though...my greatest fear is that wolf bloats. lets say he bloated one day and we took him to the hospital-does the insurance pay the vet directly? or do i have to pay it first, then get reimbursed? cause there's no way i'll ever have thousands laying around to pay it up front..how does all that work?
This might not work for everyone, but after I looked into buying pet health insurance I decided to not purchase and create my own personal emergency fund. So now I have two emergency funds- one is for paying the bills if I lose my job or get sick long term. The second is for smaller emergencies like vet bills, extreme car overhaul, etc.Since I sell health insurance for humans, I am going to look into all these companies. I will make calls on Tuesday and research it. If all goes well with the health of your dog you are going to be putting 3-400 a year into a plan that gets you nothing until its needed. Why not open a seperate bank account and fund the same moneys in and in the later years when needed you should have $4,000 that you can use or keep if you do not need it.
This is a discount of 25% at participating vets. In my area only a few take this. A lot of these type of plans they charge 25% more to begin with.Pet Assure is even better than insurance. It saves you on every visit to the vet's office! You choose your pet plan & you can add unlimited # of pets to your program. It's great even if you have pet ins. because you will save much more right at the time of service..No claims to file, no deductibles!