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Who Has Pet Insurance And Which One?


Guest BooBooMama
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Guest BooBooMama

I have had VPI Pet Insurance for years. At the time I first enrolled Jen in it they were one of the only pet insurance policies available in my area. At first they were really awful to work with. They paid out based on the final diagnosis- so if you had an expensive test to rule out cancer and (luckily) it wasn't- they wouldn't pay. A few years back they changed their protocol and it got better. But now there are a lot of pet insurance companies out there so I would like to do a little 'comparative shopping' before I purchase a policy for Deeni.

For those of you who have insurance- What insurance company do you have? What do you like and not like about them?

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Guest Energy11

I have Trupanion. I LIKE that it covers senior dogs for reasonable prices. I LIKE that most things are covered and you get reimbursed fast. I DON'T LIKE the fact that routine testing isn't covered. I DON'T LIKE that the office visits and any stay at the vets isn't covered. BUT, for the most part, I think it is one of the BEST, if not THE best ones out there. NONE are perfect. Each dog also has a lifetime max of $20,000, which is a lot more than most companies.

 

So far, I have had no problems working with these people, either. I pay $253/montlhy for all five with ZERO deductible. I know it sounds like a lot, but ONE vet visit can FAR exceed this.

 

Good luck, and I hope you find a good one to suit your needs. VPI is not a good company, and I have heard lots of complains.

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Guest eaglflyt

You can go to Pet Insurance Review and compare reviews and get an overall feel for customer satisfaction with the different plans available. This LINK shows their simple comparison page.

 

We have Embrace Pet Insurance. We are extremely pleased. Very courteous, FAST reimbursement (sometimes/usually less than 1 week), no lifetime maximum, you can customize your policy to what suits your situation. You can choose your deductible, maximum annual coverage amount (renews every year), will cover routine care or prescriptions if you choose, always covers alternative therapies like acupuncture, physical therapy, chiropractor, hydrotherapy, etc., no fee schedule and you can choose any veterinarian, rates never increase due to pet illness ... increases only as pet ages on a set schedule (generally about 5% per year), also covers genetic conditions & cancer.

 

Only drawbacks are they only cover new pets up to 7 years of age (but pets already covered prior to age 8 can continue to be covered for life), pre-existing conditions excluded (as in all policies, so insure when pet is healthy and first brought into your home is best), after 1st policy year of a condition that becomes chronic is covered the following years have a maximum of $2,500 for that ongoing condition, the policy years go from date of policy issued.

 

We would not hesitate to cover our next pet with Embrace insurance ... in fact, we plan to do so. :);)I believe our 2nd choice would be PetPlanUSA or Trupanion.

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Guest BooBooMama

You can go to Pet Insurance Review and compare reviews and get an overall feel for customer satisfaction with the different plans available. This LINK shows their simple comparison page.

 

We have Embrace Pet Insurance. We are extremely pleased. Very courteous, FAST reimbursement (sometimes/usually less than 1 week), no lifetime maximum, you can customize your policy to what suits your situation. You can choose your deductible, maximum annual coverage amount (renews every year), will cover routine care or prescriptions if you choose, always covers alternative therapies like acupuncture, physical therapy, chiropractor, hydrotherapy, etc., no fee schedule and you can choose any veterinarian, rates never increase due to pet illness ... increases only as pet ages on a set schedule (generally about 5% per year), also covers genetic conditions & cancer.

 

Only drawbacks are they only cover new pets up to 7 years of age (but pets already covered prior to age 8 can continue to be covered for life), pre-existing conditions excluded (as in all policies, so insure when pet is healthy and first brought into your home is best), after 1st policy year of a condition that becomes chronic is covered the following years have a maximum of $2,500 for that ongoing condition, the policy years go from date of policy issued.

 

We would not hesitate to cover our next pet with Embrace insurance ... in fact, we plan to do so. :);)I believe our 2nd choice would be PetPlanUSA or Trupanion.

 

Thanks for the website link. That helped a lot.

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Guest Fasave

My senior is on VPI for the same reasons you spoke about. When his littermate became very ill, it was too difficult to understand what they would and wouldn't reimburse as we never really could figure out what was wrong. I had insurance so that the money factor wasn't part of the decision making process when it came to his health care. It didn't anyway but it would have taken one variable of stress out of the mix. My new guy is on Embrace. I chose them because they cover a lot of holistic/alternative care like accupuncture/aqua therapy/etc and they have good reviews. I'm just about to file my first claim with them so I can't offer a lot of feedback yet. But I do know I am paying a slightly higher monthly premium but I also chose a $200 deductible (annual), $10,000 annual coverage and 10% co-pay. This I understand. Pay the $200 then 10% of remaining bills until you reach $10,000. No schedule based on diagnosis.

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Guest zoolaine

I had my on PetFirst - which is a greyt price for having multiple dogs. They were always easy to work with and I got loads of money back from them. The problem is that their maximum per incident is $2500. I thought that was plenty until Sunny was diagnosed with cancer and we went through that in 3-4 visits. Also anything they cover becomes "pre-exiting" once the policy renews. I switched all of mine over to PetPlan. I also liked Embrace and Trupanion but PetPlan seemed the best for my needs. I like that your entire coverage amount renews every year and they will cover chemotherapy even if it is not FDA approved - as long as a license vet recommends it. One of the other companies kept insisting they would only cover it if it was FDA approved - and to my knowledge the vast majority of chemo for dogs is not FDA approved.

I haven't had to file any claims yet but I did have a medical review on all my dogs so I would know exactly what was being excluded. I found the reviews to be very fair: for example Zali broke her toe about a year and a half ago so any pain/arthritis in that toe has a lifetime exclusion. Danica had a minor eye injury in February- I think Briley might have tried to bite her but don't know for sure. So that eye is currently excluded from coverage but after a certain time period (I think it was a year) if the vet re-examines the eye and everything is fine I can write to have the exclusion removed. Luna and Briley both have to have dental cleanings and any recommended dental work done before they will cover any dental issues with them.

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Guest K9Cookies

We have Trupanion for our 3 with a $0 deductible. I did a lot of research and this seemed like the best match for us. We've been happy with them so far. :)

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Guest Swifthounds

I have a high yield savings account. That, and a little preventative care is a much better investment for my hounds' health.

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Wow, I had no idea there were so many options. I've been disappointed with VPI and what they will and will not cover. I mean seriously, you won't pay for the major surgery that was thousands of dollars because the tumor was benign! :angryfire

 

That link is fantastic!

Colleen with Covey (Admirals Cove) and Rally (greyhound puppy)
Missing my beloved boy INU (CJ Whistlindixie) my sweetest princess SALEM (CJ Little Dixie) and my baby girl ZOE (LR's Tara)

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Guest Fasave

I have a high yield savings account. That, and a little preventative care is a much better investment for my hounds' health.

 

 

That's great if it works out. One of my guys I adopted at 6 and he passed just before his 10th birthday. His medical bills were $12,000+. One hospitalization was $5,000 alone. Accupuncture was $800 for 10 sessions which was the cheaper option for a suspected back injury versus a $2,500 MRI. He was on VPI and I spent about $2,000 in premiums over the four years and was reimbursed about $2,500. Basically a wash with insurance but still ahead by $500. If I'd had Embrace, I would have spent $2,500 in premiums and the way I figure it, I would have been reimbursed all of the $12,000 but about $2,000 making me ahead by about $7,500.

 

I look at pet insurance like car insurance. You take care of your pups like you take care of your cars with regular maintenance but when those big things happen, you're glad you have insurance. I don't include the "wellness" plan just the accidental & illness. Being from the Boston area, car insurance is way more than pet insurance and I haven't filed a claim in 20 years.

 

My senior has had three surgeries for soft tissue sarcomas that have cost over $4,000, as well as some other smaller issues. My newbie fell down the stairs and broke a bottom canine before I had insurance on him and that dental was $1,000. While I like the idea of a high yield savings account, I'm just not sure how much money you need to tie up to cover these costs. Even if I put the $600/dog/year I pay for insurance in a high yield account, I'm still not sure it would cover these costs over time.

 

I think the real problem here is the sky rocketing costs of vet care. It's very scary.

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Guest BooBooMama

I have a high yield savings account. That, and a little preventative care is a much better investment for my hounds' health.

 

 

That's great if it works out. One of my guys I adopted at 6 and he passed just before his 10th birthday. His medical bills were $12,000+. One hospitalization was $5,000 alone. Accupuncture was $800 for 10 sessions which was the cheaper option for a suspected back injury versus a $2,500 MRI. He was on VPI and I spent about $2,000 in premiums over the four years and was reimbursed about $2,500. Basically a wash with insurance but still ahead by $500. If I'd had Embrace, I would have spent $2,500 in premiums and the way I figure it, I would have been reimbursed all of the $12,000 but about $2,000 making me ahead by about $7,500.

 

I look at pet insurance like car insurance. You take care of your pups like you take care of your cars with regular maintenance but when those big things happen, you're glad you have insurance. I don't include the "wellness" plan just the accidental & illness. Being from the Boston area, car insurance is way more than pet insurance and I haven't filed a claim in 20 years.

 

My senior has had three surgeries for soft tissue sarcomas that have cost over $4,000, as well as some other smaller issues. My newbie fell down the stairs and broke a bottom canine before I had insurance on him and that dental was $1,000. While I like the idea of a high yield savings account, I'm just not sure how much money you need to tie up to cover these costs. Even if I put the $600/dog/year I pay for insurance in a high yield account, I'm still not sure it would cover these costs over time.

 

I think the real problem here is the sky rocketing costs of vet care. It's very scary.

 

I agree! I used to put money away every month for vet bills and I had VPI. When Jen was diagnosed with a liver infection the bills were so high that without the pet insurance it would have wiped my savings account out. Shortly after that Jamie had a heart ailment. Too soon to 'replace' the money in the savings account so her echogram would have put me in the red. Once again the insurance was a help.

 

We all try to use preventative care but Jen and Jamie's ailments started before I adopted them. My fear is that they become ill and I can't afford their medical bills. The insurance is my safety net to prevent that ever happening.

 

Veterinary medicine has come a long way but with all this new technology comes a high price tag.

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After weighing the pros and cons I went with Trupanion...TODAY! lol.gif I was on the fence between them and Embrace, and in the end, the price is right for the coverage. No they dont cover any well visits, but paying double per month to "cover" those well visits didn't sound like I was saving anything. Plus, there is no lifetime maxium...and the price doesn't go up as the dog ages!

 

I have a $0 deductible...and they pay 90% of any accident/illness for life. $44.13 a month. Embrace for the policy i wanted was $74.14 a month for a $500 ded....and it has a annual 10k max. If he gets cancer, god forbid, that 10k will go very fast. blink.gif

 

I'm happy with my decision.... cool.gif

 

 

Call them...let them tell you why they are the 'best'.. Trupanion 1-800-569-7913

 

Embrace: 1-800-227-5098

 

 

Thx for posting this...i've been wanting to get the darn insurance since I got Chance last August! rolleyes.gif

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Guest Energy11

After weighing the pros and cons I went with Trupanion...TODAY! lol.gif I was on the fence between them and Embrace, and in the end, the price is right for the coverage. No they dont cover any well visits, but paying double per month to "cover" those well visits didn't sound like I was saving anything. Plus, there is no lifetime maxium...and the price doesn't go up as the dog ages!

 

I have a $0 deductible...and they pay 90% of any accident/illness for life. $44.13 a month. Embrace for the policy i wanted was $74.14 a month for a $500 ded....and it has a annual 10k max. If he gets cancer, god forbid, that 10k will go very fast. blink.gif

 

I'm happy with my decision.... cool.gif

 

 

I have Trupanion too, and the same coverages as you! I, too, am pretty happy with it. I pay $253/month for all five with the zero deductible and the 90%.

 

Call them...let them tell you why they are the 'best'.. Trupanion 1-800-569-7913

 

Embrace: 1-800-227-5098

 

 

Thx for posting this...i've been wanting to get the darn insurance since I got Chance last August! rolleyes.gif

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Guest UESBrindle

I was just seeing this and when I saw that you'd mentioned no yearly or lifetime max, I called them to get more info. Unfortunatly they are not registered for Connecticut :( We have Pet Firsy and have been very please with it for the past year and a half.

 

Glad you feel good about your choice!

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I have a question. I have VPI for both of my pets for the same reason, b/c that was what was around when I adopted Neyla and it made sense to put Zuri with the same company/plan. I always felt like the money I got back from VPI was reasonable, but now reading these posts I'm not sure. Especially b/c as someone else pointed out, in just a couple of weeks to simply diagnose Neyla and learn of our treatment options I maxed out my double cancer coverage, unless we choose to do radiation, which is a separate category. So any future vet visits, the IV pamidronate that is on the back burner for later if we decide to use it, all medications, supplements, etc. I am on my own for. So what I'm wondering now is if I should consider switching Zuri to another plan. He is only just about to turn 6 and has not really had medical problems with the exception of a dx of osteoarthritis in one of his front toes. That could potentially be an issue if I decided I wanted to amputate that toe at some point. My ortho quoted me $1200 to amputate Neyla's toe several years ago and I'm sure the price has gone up by now. But otherwise, I'm not sure he'd have other pre-existing conditions.

 

For those of you familiar with this better plans, do you think it's worth me looking into it or should I just stick with what I have? Maybe I should jsut go ahead and chop that toe off now, then switch. :P

 

 

And Colleen, VPI wouldn't pay b/c the tumor was benign??!!! :blink:

gallery_12662_3351_862.jpg

Jen, CPDT-KA with Zuri, lab in a greyhound suit, Violet, formerly known as Faith, Skye, the permanent puppy, Cisco, resident cat, and my baby girl Neyla, forever in my heart

"The great thing about science is that you're free to disagree with it, but you'll be wrong."

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Guest eaglflyt

After weighing the pros and cons I went with Trupanion...TODAY! lol.gif I was on the fence between them and Embrace, and in the end, the price is right for the coverage. No they dont cover any well visits, but paying double per month to "cover" those well visits didn't sound like I was saving anything. Plus, there is no lifetime maxium...and the price doesn't go up as the dog ages!

 

I have a $0 deductible...and they pay 90% of any accident/illness for life. $44.13 a month. Embrace for the policy i wanted was $74.14 a month for a $500 ded....and it has a annual 10k max. If he gets cancer, god forbid, that 10k will go very fast. blink.gif

 

I'm happy with my decision.... cool.gif

 

 

Call them...let them tell you why they are the 'best'.. Trupanion 1-800-569-7913

 

Embrace: 1-800-227-5098

 

 

Thx for posting this...i've been wanting to get the darn insurance since I got Chance last August! rolleyes.gif

 

Congrats on getting insurance for your pup! You'll sleep easier. ;)

 

BTW, there's no lifetime maximum on Embrace coverage either. I don't know the age of your pup, but our policy is *much cheaper* and we have $200 deductible.

 

Each company will have pros and cons and it's good we have so many choices for our pups. Just in the past year, our girl had a severe vaccine reaction, E-vet visits, a really bad GI bug requiring IV fluids and meds, several UTI's and an episioplasty, cystoscopy & vaginoscopy by a board certified veterinary specialist. We only paid the $200 deductible and 10% of the other expenses, except for at home meds. We never had to be in a position of making decisions based on expenses. Our $36 per month premium was the best $36 dollars we could have spent for her ... and our budget. When a $1,200 surgery only costs us $120, I truly appreciate having insurance.

 

No matter which company you choose, I highly recommend pet insurance coverage.

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Guest zoolaine

I have a question. I have VPI for both of my pets for the same reason, b/c that was what was around when I adopted Neyla and it made sense to put Zuri with the same company/plan. I always felt like the money I got back from VPI was reasonable, but now reading these posts I'm not sure. Especially b/c as someone else pointed out, in just a couple of weeks to simply diagnose Neyla and learn of our treatment options I maxed out my double cancer coverage, unless we choose to do radiation, which is a separate category. So any future vet visits, the IV pamidronate that is on the back burner for later if we decide to use it, all medications, supplements, etc. I am on my own for. So what I'm wondering now is if I should consider switching Zuri to another plan. He is only just about to turn 6 and has not really had medical problems with the exception of a dx of osteoarthritis in one of his front toes. That could potentially be an issue if I decided I wanted to amputate that toe at some point. My ortho quoted me $1200 to amputate Neyla's toe several years ago and I'm sure the price has gone up by now. But otherwise, I'm not sure he'd have other pre-existing conditions.

 

For those of you familiar with this better plans, do you think it's worth me looking into it or should I just stick with what I have? Maybe I should jsut go ahead and chop that toe off now, then switch. :P

 

 

And Colleen, VPI wouldn't pay b/c the tumor was benign??!!! :blink:

 

I would switch. Petplan and I think Embrace and Trupanion (???) will give you a written list of exclusions after you enroll - with Petplan you can also cancel in the first 30 days with a full refund if you don't like what they list as exclusions - but I thought the ones they gave for mine were quite fair. So if you are worried about exclusions maybe have double coverage for a month while you get the medical underwritting done. The longer you go, the more likely it is that something will happen which will then be listed as pre-exisiting on another policy.

 

I did the same thing with Sunny's chemotherapy - maxed out his per incident amount ($2500) in just a few visits and ended up paying thousands of dollars myself. That is the main reason I switched everyone else over to PetPlan - so I would never have to worry about that again.

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Guest Swifthounds

I have a high yield savings account. That, and a little preventative care is a much better investment for my hounds' health.

 

 

That's great if it works out. One of my guys I adopted at 6 and he passed just before his 10th birthday. His medical bills were $12,000+. One hospitalization was $5,000 alone. Accupuncture was $800 for 10 sessions which was the cheaper option for a suspected back injury versus a $2,500 MRI. He was on VPI and I spent about $2,000 in premiums over the four years and was reimbursed about $2,500. Basically a wash with insurance but still ahead by $500. If I'd had Embrace, I would have spent $2,500 in premiums and the way I figure it, I would have been reimbursed all of the $12,000 but about $2,000 making me ahead by about $7,500.

 

I look at pet insurance like car insurance. You take care of your pups like you take care of your cars with regular maintenance but when those big things happen, you're glad you have insurance. I don't include the "wellness" plan just the accidental & illness. Being from the Boston area, car insurance is way more than pet insurance and I haven't filed a claim in 20 years.

 

My senior has had three surgeries for soft tissue sarcomas that have cost over $4,000, as well as some other smaller issues. My newbie fell down the stairs and broke a bottom canine before I had insurance on him and that dental was $1,000. While I like the idea of a high yield savings account, I'm just not sure how much money you need to tie up to cover these costs. Even if I put the $600/dog/year I pay for insurance in a high yield account, I'm still not sure it would cover these costs over time.

 

I think the real problem here is the sky rocketing costs of vet care. It's very scary.

 

Really, a huge part of the problem is that people, by and large, do not get second opinions or comparison shop. As long as you nevcer do that, you never realize what is really necessary and what is not, what alternatives there are, and what the fair cost of a service actually is.

 

Even the inexpensive plan the OP went with would run me around $4,000 per year and would be in addition to my routine care. Instead of doing that and then relying on a company to pay in a timely manner, I put the money into a savings account and keep a credit card just for emergencies.

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Guest BooBooMama

I have a high yield savings account. That, and a little preventative care is a much better investment for my hounds' health.

 

 

That's great if it works out. One of my guys I adopted at 6 and he passed just before his 10th birthday. His medical bills were $12,000+. One hospitalization was $5,000 alone. Accupuncture was $800 for 10 sessions which was the cheaper option for a suspected back injury versus a $2,500 MRI. He was on VPI and I spent about $2,000 in premiums over the four years and was reimbursed about $2,500. Basically a wash with insurance but still ahead by $500. If I'd had Embrace, I would have spent $2,500 in premiums and the way I figure it, I would have been reimbursed all of the $12,000 but about $2,000 making me ahead by about $7,500.

 

I look at pet insurance like car insurance. You take care of your pups like you take care of your cars with regular maintenance but when those big things happen, you're glad you have insurance. I don't include the "wellness" plan just the accidental & illness. Being from the Boston area, car insurance is way more than pet insurance and I haven't filed a claim in 20 years.

 

My senior has had three surgeries for soft tissue sarcomas that have cost over $4,000, as well as some other smaller issues. My newbie fell down the stairs and broke a bottom canine before I had insurance on him and that dental was $1,000. While I like the idea of a high yield savings account, I'm just not sure how much money you need to tie up to cover these costs. Even if I put the $600/dog/year I pay for insurance in a high yield account, I'm still not sure it would cover these costs over time.

 

I think the real problem here is the sky rocketing costs of vet care. It's very scary.

 

Really, a huge part of the problem is that people, by and large, do not get second opinions or comparison shop. As long as you nevcer do that, you never realize what is really necessary and what is not, what alternatives there are, and what the fair cost of a service actually is.

 

Even the inexpensive plan the OP went with would run me around $4,000 per year and would be in addition to my routine care. Instead of doing that and then relying on a company to pay in a timely manner, I put the money into a savings account and keep a credit card just for emergencies.

 

Most plans run from $800 to $1000 annually but will pay out up to 10,000 to 15,000 so I think you DO come out ahead with insurance. As for your comment on 'comparison shopping'- all my expensive vet bills came on the weekend when my dog suddenly became very ill or was hurt. You really do not have time to comparison shop in a situation like that. You have no other choice but the E-Vet and then you are stuck with a bill.

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Guest zoolaine

Before purchasing pet insurance I planned on putting money every month into a "dog fund". But the money never seemed to get into that account with other things/bills coming up. With Petplan I pay $1580 a year for all 6 dogs to be covered. Zali and Mizuki are covered at $50 deductible /10% co-pay (Zali had a lot of vet trips as a puppy so I figured the extra coverage would pay off) and everyone else at $200 deductible/20% co-pay - all are covered for $12,000 per year. Really $1580 a year is nothing - that is one major accident or illness. With Sunny I paid over $1300 for the day he was diagnosed with cancer - he had to stay the night and started his first chemo treatment.

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I have a question. I have VPI for both of my pets for the same reason, b/c that was what was around when I adopted Neyla and it made sense to put Zuri with the same company/plan. I always felt like the money I got back from VPI was reasonable, but now reading these posts I'm not sure. Especially b/c as someone else pointed out, in just a couple of weeks to simply diagnose Neyla and learn of our treatment options I maxed out my double cancer coverage, unless we choose to do radiation, which is a separate category. So any future vet visits, the IV pamidronate that is on the back burner for later if we decide to use it, all medications, supplements, etc. I am on my own for. So what I'm wondering now is if I should consider switching Zuri to another plan. He is only just about to turn 6 and has not really had medical problems with the exception of a dx of osteoarthritis in one of his front toes. That could potentially be an issue if I decided I wanted to amputate that toe at some point. My ortho quoted me $1200 to amputate Neyla's toe several years ago and I'm sure the price has gone up by now. But otherwise, I'm not sure he'd have other pre-existing conditions.

 

For those of you familiar with this better plans, do you think it's worth me looking into it or should I just stick with what I have? Maybe I should jsut go ahead and chop that toe off now, then switch. :P

 

 

And Colleen, VPI wouldn't pay b/c the tumor was benign??!!! :blink:

 

That was pretty much the explanation since it was not a necessary cancer treatment. Forget the fact that we wouldn't have known whether is was benign or malignant without the surgery...

 

Yes, toe amputation costs more this year. Too bad I know that :rolleyes:

 

I vote you look into other options for Zuri since he is still young enough. I'm irritated at VPI and it just sucks looking at how low their customer satisfaction is compared to others. I did look into free quotes but was denied due to age of my dogs.

Colleen with Covey (Admirals Cove) and Rally (greyhound puppy)
Missing my beloved boy INU (CJ Whistlindixie) my sweetest princess SALEM (CJ Little Dixie) and my baby girl ZOE (LR's Tara)

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That was pretty much the explanation since it was not a necessary cancer treatment. Forget the fact that we wouldn't have known whether is was benign or malignant without the surgery...

 

Yes, toe amputation costs more this year. Too bad I know that :rolleyes:

 

I vote you look into other options for Zuri since he is still young enough. I'm irritated at VPI and it just sucks looking at how low their customer satisfaction is compared to others. I did look into free quotes but was denied due to age of my dogs.

I think I will. I'm not overly impressed with them right now myself. I filed a claim a few years back when Neyla was attacked by that dog, but was a few days past the deadline so they denied it. Jump ahead to now when there is no time limit on claims so I filed it again (according to instructions from the CS rep) and they denied it b/c it's a repeat claim. I am debating whether to try to fight it somehow, but I don't know if I will get anywhere. I think the claim is worth about $400 or so - I could really use that money.

gallery_12662_3351_862.jpg

Jen, CPDT-KA with Zuri, lab in a greyhound suit, Violet, formerly known as Faith, Skye, the permanent puppy, Cisco, resident cat, and my baby girl Neyla, forever in my heart

"The great thing about science is that you're free to disagree with it, but you'll be wrong."

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  • 2 weeks later...
Guest rmaccara

We really only have two real choices in Canada - Trupanion and Petsecure. Both have their pros and cons. I tried to compare based on the same monthly premium.

PetSecure with a $300 deductible is $52/month.

 

Trupanion with a $300 deductible will cost $60/month.

PetSecure with a $100 deductible will cost $60/month.

 

Differences are PetSecure has limited payouts per accident or illness - $5000 for the $52 & $60 premium.

Trupanion has no payout limit over the life of the dog, with no limits per year, claim, illness, procedure, or condition.

 

We're trying to decide which is the better plan to get.

Just to be totally fair, Purina Canada also offers pet insurance. For $56/month coverage would be $2000 per accident or illness and some very low allowances for some preventative care items. Deductible is $150.

 

My thinking is that the Trupanion (VetInsurance) would pay off should we encounter any sickeningly (pardon the pun) high illness or accident costs.

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