Need some input on Pet Insurance
I have been using PetsBest and until recently have been very happy. Premiums reasonable, service good, and quick turnaround with claims.
However, PetsBest has switched insurance carriers and premiums have increased by 25%.
Looked at AKC. Better price, but low yearly incident coverage ($3000)
Looked at ASPCA. Better price, but also low yearly incident coverage ($3000)
PetsBest covers up to $7000 per incident
Any other ideas?
I dont know if you have been following my little girls snakebite from this past weekend...... but after 2 days in the Vet ER, we racked up a $3,300 bill. Antivenin being the largest expense. Going forward...... my dogs will have Pet Insurance.
My girlfriend has had Pet Insurance on her 2 dogs and really see's the value.
Here is who she uses.
Here are some important questions when shopping around:
1. Does the policy cover hereditary conditions?
Most U.S. pet insurance companies automatically exclude hereditary conditions 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 offer very limited coverage. Petplan will cover such conditions with no time or dollar limits per condition
2. Is there a time limit for treatment per condition?
Some pet insurance companies will only pay for an illness for a maximum of 12 months, and on renewal classify the condition as pre-existing. Petplan offers a Covered For Life guarantee that means that any ongoing illness that your pet develops after you have taken out a Petplan policy, will be covered in subsequent years provided that you renew your policy with us each year.
3. Is there a dollar limit per condition?
Beware of some policies that will only pay up to a specified amount in veterinary fees for any illness or injury. Check the maximum benefit for veterinary fees and whether this amount is reinstated yearly, or whether there is a running total per condition. Most of the pet insurance companies in the U.S. offer maximum benefit policies maximum benefit policy Close A policy that is restricted by dollar limits on illnesses and injuries. This means that over your pet's lifetime the policy will only pay up to a set figure per condition regardless of the total cost of treatment. Should your pet's treatment exceed the limit for that condition the company will simply stop paying claims. , which means that you may run out of cover.
Petplan offers simple annual limits that replenish each year - so you never have to worry about running out of cover.
4. Is there a choice of coinsurance?
Some companies only cover up to a maximum of 80% of claims leaving you to pay the rest. Petplan offers you the choice of whether to accept a coinsurance option or whether to opt for 100% reimbursement
I ran a quote on my 19 month and it came back at 23.00 per month.
Needless to say Tiffany and I have been on every Pet insurance website the last 3 night's ...... and PetPlan seems to cover the most.
I use AKC and my coverage is 10k a year and 10k for accidents. It really depends on which plan you get and which parts you get bumped up.
Take a look at your coverage
Originally Posted by Jason Glavich
My bet is that it is $10k per policy term but only $2-$3k per incident
PetsBest is $7k per incident, $100k for pet's lifetime
Buffy's spleen removal cost $3400. PetsBest paid back 80% after deductible.
I am happy with product and service, but not price
Yes, but have you or anyone else run any claims through to see what they deliver?
Originally Posted by Lucky Seven
It is one thing to promise, another to deliver
I thought you had VPI insurance previously?
I have 3 dogs on VPI, and I am trying out Pet Plan...
Originally Posted by JusticeDog
when clients ask about pet insurance I like to give the correct (or best) answer, VPI is the longest tenured, certainly veterinarian friendly with a simple form to sign with the diagnosis