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Discussion Starter #1
:mad: I am so upset! I guess they are not going to offer pet insurance anymore. So I paid $25 for a year on a policy I never used (which I am very glad I did not have to!) and now Lou is older so I assume it will be a lot more expensive to insure her! I haven't checked yet but she was 4 months when I got that policy and now she is 16 months.

Does anyone know a good alternative and if it is more expensive to insure them at 16 months than 4 months?
 

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Wait, why did they cancel? Did they cancel on your or did you cancel on them? And how did you only pay $25 for insurance?

I have Petplan and i'm paying about $400 a year for it. They better not cancel anything on me. Their insurance is great, i'll stay with them forever if i can.
 

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I just called them and they said they are still offering the insurance and are not cancelling any policies.

What did your letter say?

Michaela
 

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All four of the Hooligans have PetPlan (I heard about it after someone on the boards posted about them) - I hope they're not going out of business. But I'm paying way more than $25 a year for each dog!
 

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Discussion Starter #6
I pay $25 a month, not a year :) There is a cover letter and then a "Notice of Cancellation or Nonrenewal and it has my name, policy number and Lulu's name and says 7/15/2010 the policy will be canceled because American National Property and Casualty Company no longer offers pet health insurance policies. I think I will go call them to be sure this means they are canceling.
 

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Discussion Starter #8
Oh, I see what you all are saying LOL, what I meant was I paid $25 a month FOR a year on the policy, I can see how that sounded confusing!
 

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Discussion Starter #9
Okay, I get it now, I missed the email notice they sent last week, apparently they are just switching carriers, not cancelling the policy. this is what it says for everyone who has PetPlan and is interested:

Thank you for being a loyal member of the Petplan family. Your current pet insurance policy will expire at midnight on 7/15/2010. We
are delighted to offer new coverage for Lulu, under a new pet insurance policy, issued by AGCS Marine Insurance Company, a
member of the Allianz Group, rated A+ by A.M. Best.
As part of our continued efforts to provide the most comprehensive coverage for our policyholders and their pets, your new policy will
include several enhancements to Lulu’s coverage, including:
• Increased coverage for specialist treatment
• Increased coverage for behavioral conditions
• Coverage for all cats and dogs, regardless of age
Importantly, there will be no new pre-existing condition limitations imposed as part of your new policy, and the new coverage will be
substantially the same as your current coverage.1
You do not need to do anything now. You will receive your new policy on or about the expiration date of your current policy, at which
point we will process payment using the credit or debit card we have on file. Your annual premium for Lulu will be $293.26. If you
currently have a monthly or quarterly payment plan, your payment will be calculated accordingly.
If payment for your new policy is unable to be processed for any reason, your new policy could lapse and any on-going or current
conditions would, at that point, be considered pre-existing and thus, potentially excluded. If you would like to update your credit or
debit card details at this time, you can do so by logging in to your account at Pet Insurance for Dogs and Cats - Petplan Pet Health Insurance. If you would like to make any
changes to the coverages under your new policy, deductible or co-pay, or if you would like to learn more about your new policy,
please call Customer Service at 1.866.GoPetplan (1.866.467.3875).
Thank you.
Petplan Customer Service
PLEASE NOTE: You will receive a separate Notice of Cancellation and Nonrenewal from American National Property And Casualty
Company in the next few days. This notice is required and sets forth the expiration date of your old policy. As noted above, you do not
need to do anything now for Lulu to be covered under the new policy as long as payment is processed for your new policy. As always,
if you have any questions at all, please call our Customer Service Team at 1.866.Go.Petplan.
 

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This is exactly what I've been looking for, for a looong time. I was wondering if there was anything like that in the US. I wanted to get a quote on Yukon but it doesn't recognize our APO Zip, so I am waiting for response :)
 

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Discussion Starter #12
How does it work? Do all vets accept this insurance? I have never heard of it???
It's a policy where you get reimbursed for whatever percentage you sign up for after the deductible is met. Like most insurance, you can choose how much coverage, co pay and deductible at different price levels. They don't pay the vet directly. Someone else here might be more helpful on how they reimburse or how long it takes as I have never had to use it as of yet.
 

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Discussion Starter #13
What's the American National Property and Casualty Company? Is that PetPlan?
Apparently it's the insurance company that was covering the pets under the PetPlan name but now they have switched companies, sort of like how credit card companies like best buy use different banks. At least that's how I read it.
 

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You know guys, Trupanion covers 90% of claims, dont ever raise their premiums because of claims, have no limit for yearly claims for police, condition, breed, etc. Working at vet clinics I get to see who's insurance covers the most, and by far it is Trupanion. When my dog gets here I am definately going with them. I have seen so many declied claims for PetPlan, even though I really like the rep we have. It's hard to face her.

They also don't have breed or age exclusions. AND they cover congenital defects.
 

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You know guys, Trupanion covers 90% of claims, dont ever raise their premiums because of claims, have no limit for yearly claims for police, condition, breed, etc. Working at vet clinics I get to see who's insurance covers the most, and by far it is Trupanion. When my dog gets here I am definately going with them. I have seen so many declied claims for PetPlan, even though I really like the rep we have. It's hard to face her.

They also don't have breed or age exclusions. AND they cover congenital defects.
Does this company cover hereditary diseases? PetPlan covers everything - including hereditary. Not many companies do this and this is why i'm with PetPlan.
 

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Discussion Starter #16
I remember looking at trupanion and decided on PetPlan in the end, I don't remember exactly why but I think part of it was that trupanion didn't cover hip problems, or at least not without an expensive add on.
 

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Does this company cover hereditary diseases? PetPlan covers everything - including hereditary. Not many companies do this and this is why i'm with PetPlan.
The brochure says it does. We have a seminar with our new trupanion rep this week, I will let you guys know what she says.
 

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Here is a good site where you can compare and read reviews on different pet insurance companies: Trupanion - More Customer Reviews

I decided to go with PetPlan after doing a lot of research and so far had to file two claims. They were paid without any problems. Maybe some of the claims were denied because they were considered pre-existing conditions?

Michaela
 

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We've filed a claim for Anna once on Petplan...it took longer than expected to get our money back, but mainly because my vet didn't separate out the invoice and it ended up being for two different procedures (hip Xray and her elbow xray/fracture thing). In the end, we got our money back, took about 30 days instead of a week but it was well worth it.

Yes, you do have to pay your vet and then Petplan reimburses you, but we've discussed with our vet that if anything ever major happens to Anna, they will let us pay them our copay and then sign the check over to them when it arrives instead of demanding the whole lump sum at one time. Most vets will work with you on that.
 
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