German Shepherds Forum banner

1 - 15 of 15 Posts

·
Registered
Joined
·
664 Posts
Discussion Starter #1
Hope I have this in the right spot...

I am looking at starting pet insurance for Dieter... he's already broken 2 toes, and now has an ear infection, so I'd rather pay out a little bit monthly, and feel safer about being able to cover any surprise medical expenses!

I got a quote from Pet Care Insurance for the following:

$33.00/month

$2000/accident (to 36,000 in the pet's life) for foreign body ingestion, car accident, poision ingestion, fracture, lacerations, burns, allergic reaction to bug bites

First time illnesses covered to $1500/year

$150/year towards "wellness" - vet visits, vaccinations, spay/neuter, teeth cleaning etc...

$100 deductable per incident
90% coverage (10% co-pay)

Any opinions? Anyone use this company?
 

·
Registered
Joined
·
2,460 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

We use Veterinary Pet Insurance. You might want to check them out. Click on the link.
 

·
Registered
Joined
·
3,271 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

I also have VPI for Molly. The one major downfall with this insurance is that it does not cover genetic issues. So any hip issues or anything like that, it will not be covered. It came in handy when Molly was injured in doggy daycare and racked up over $500 in vet bills and also when she had her allergic reaction and we had to take her to the emergency vet. It also covers a certain amount of her routine vet care.
 

·
Registered
Joined
·
1,250 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

I went with PetPlan.
The reasons I like this company is that they do NOT exclude genetic/hereditary conditions like HD and there's no payout limit per condition.
Their coverage isn't available in all areas, but it's worth checking out.

http://www.gopetplan.com/
 

·
Registered
Joined
·
2,834 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

I had/have VPI an they don't advertise how little the coverage is for a particular illness per year. For example, my dog developed arthritis with age and they only covered around $300-400 worth of meds and diagnostics per year. For hepatitis and liver failure they covered around $200. Compared to the actual costs of the treatment and diagnostics, it is negligible. It may be worth if the dog has many different problems a year, but it certainly does not go anywhere near covering the real cost of diagnostics and treatment for the diseases I had deal with.
 

·
Registered
Joined
·
71 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

Yes, I do have and have used PetCare Insurance. I have only had it for about one year and my experience after two claims (one for each dog) has been pretty good so far. Once they get a copy of your pet's medical file from the vet and have proof of a yearly exam; you are able to fax the claims in and, in my short experience, the checks have arrived pretty quickly. Oh yeah . . . . and they do cover hip dysplasia too.

________________________________________________
Siresmom

Sire: 2 yr old GSD
Venus: 2 1/2 yr old GSD
 

·
Registered
Joined
·
7,571 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

I have VPI. I wont be renewing. They seriously contorted themselves to avoid paying the simplest claim. The limit to colitis is $98. That would hardly break the bank, right?

Um, they denied my antibiotics under the parasites exclusion. Parasites? Since when are bacteria "parasites"? Bacteria live in every one of our bodies.

I'm fighting with them now (more on principle than anything else.). I told them to send me a page out of any medical or veterinary book that says that regular old GI bacteria are parasites.

I think they deny upfront often hoping that the average pet owner isn't sophisticated and knowledgeable enough to fight the denial. Yeah, much like regular human health insurance. Jeez. What a scam.

So, I don't recommend VPI.
 

·
Registered
Joined
·
572 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

I used VPI and although it came in handy when we had two back to back surgeries, it barely covered 20% of the bill. I guess it is better than nothing, but they are a bit tricky with how they pay and you have to pay close attention and look at how the primary and secondary diagnosis are made... secondary pays MUCH less than primary. We've had it since Siena was 10 weeks old and her surgeries were at about 14-15 weeks old, so we were lucky (otherwise all the problems we have would be pre-existing and not covered). They don't cover any kind of parasites or (as mentioned above) genetic issues.

I still think it is worth it myself, but then again, I have a pup with many medical issues and a record nearly an inch thick. So every little bit helps.
 

·
Registered
Joined
·
664 Posts
Discussion Starter #9
Re: Pet Insurance - Pet Care Insurance - any opini

The main difference is that I'm in Canada, and I'm not sure if VPI exists here.

Siresmom: Which plan are you under that covered HD? That and bloat are my biggest concerns right now re: coverage.
 

·
Registered
Joined
·
71 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

Meima,

I have the Quickcare Gold 70% policy for both of my GSDs.

The Terms and Conditions for the Quickcare Gold Policy =
http://www.petcareinsurance.com/us/pdfs/TC_US_GOLD.pdf

I hope this helps.

______________________________

Siresmom

Sire: 2-yr old GSD
Venus: 2 1/2 yr old GSD
 

·
Registered
Joined
·
9,796 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

The Hooligans were insured by VPI. Four were not eligible so it ended up only Slider and his evil spawn were covered. I dropped it, it didn't seem worth the price of the policies.
 

·
Registered
Joined
·
2,209 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

i know this is an old thread. id like to hear from more of you regarding experiences with pet insurance. of all the plans i have looked at so far, i like PetPlan and the fact that they will cover genetic conditions ( so i assume it would help w/ something like hip replacement in the future). any more opinions on it?

http://www.gopetplan.com/
 

·
Registered
Joined
·
7,571 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

I've had VPI for Camper since he was 8 wks old. So far, I can't get them to pay a claim; they claim everything is routine maintenance type stuff, or they invoke exclusions that just make no sense (denying infections as "parasites"). This week, I'm taking him to a specialist for an ongoing problem. Let's see how they try to get around that.

Otherwise, I figure that I keep it basically for something traumatic, like if he gets hit by a car, ruptures an ACL, something sudden and very serious that requires surgery.

On the other hand, I have Trupanion for Merida. They only write the policy for puppies up to a year old (then you can keep the policy the rest of your dog's life). It's more expensive, but coverage is better and you can insure for HD/ED, which I did.

I brought her in because I thought she might have ingested a photo battery. We took xrays and while we were there, I went ahead and had bloodwork done for her spay later on in the week. I signed the form and my vet's office manager faxed over the form with her records. They paid for everything (they don't pay for the initial exam. That's like your co-pay) --xrays, inducing vomiting, AND they paid for the blood test because it would have revealed whether she chewed on the battery as she ingested it.

Huh? An insurance company paying for more than was called for?

Not only that, but a rep called me to say she received the claim; she had paid it; and was there anything else I needed? We then chatted about my beagle and her basset hound for a few minutes, and how hounds are such a handful. Very nice.

Wow.
 

·
Registered
Joined
·
2,209 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

i dont see too many loopholes w/ petplan. i especially like that it would help with something like a THR (assuming it wasnt evident there were hip problems before buying the policy.

Hereditary conditions covered without dollar or time limits*
The bad news is that many purebred cats and dogs will suffer from a
hereditary condition (Hereditary Conditions- Close Genetically transmitted diseases found predominantly in purebred pets. These are diseases that your pet has inherited directly through breeding and include conditions such as hip dysplasia. ) Petplan policies cover hereditary conditions so long as they were not apparent prior to the purchase of the policy or occurs during a waiting period. during their lifetime. Most pet insurance companies in the U.S. automatically exclude hereditary conditions from their policies. Here's the good news. Petplan is the only company in the U.S. to cover hereditary diseases with no dollar or time limits per condition.
 

·
Registered
Joined
·
18,371 Posts
Re: Pet Insurance - Pet Care Insurance - any opini

I just took out a policy for Kayos and Havoc with VPI. Will be interesting to see what they really pay for.
 
1 - 15 of 15 Posts
Top