The RetrieverTraining.Net Forums The Retriever Academy
Total Retriever Training with Mike Lardy
Hawkeye Media Gunners Up Tritronics Outdoor Media
Page 1 of 13 12311 ... LastLast
Results 1 to 10 of 121

Thread: Pet Insurance

  1. #1
    Senior Member Ted Shih's Avatar
    Join Date
    Jan 2003
    Location
    Golden, Colorado
    Posts
    5,002

    Default Pet Insurance

    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?
    Competition does not build character - It reveals it.

    Home of:
    FC/AFC Freeridin Wowie Zowie (2003 NARC Finalist)
    FC/AFC Sky Hy Husker Power
    FC/AFC Freeridin Smooth Operator
    FC/AFC Freeridin Vampire Slayer (2007 NARC Finalist)
    AFC Freeridin Maserati (Double Header Winner)

    www.freeridinretrievers.com

  2. #2
    Senior Member Lucky Seven's Avatar
    Join Date
    Feb 2008
    Posts
    339

    Default

    Hey Ted,

    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.

    http://www.gopetplan.com/Why-Petplan...Insurance.html

    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.

    Chad

  3. #3
    Senior Member Lucky Seven's Avatar
    Join Date
    Feb 2008
    Posts
    339

    Default

    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.

    Chad

  4. #4
    Senior Member Jason Glavich's Avatar
    Join Date
    Apr 2008
    Location
    woodbridge,VA
    Posts
    1,943

    Default

    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.
    My Father,My Friend,My teacher,and now My Angel~ 04/21/1956-03/21/2011 You will always be missed. I hope to learn half of the stuff you knew.

    ~Blessed are those who mourn for they shall be comforted~

  5. #5
    Senior Member Ted Shih's Avatar
    Join Date
    Jan 2003
    Location
    Golden, Colorado
    Posts
    5,002

    Default

    Quote Originally Posted by Jason Glavich View Post
    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

    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
    Competition does not build character - It reveals it.

    Home of:
    FC/AFC Freeridin Wowie Zowie (2003 NARC Finalist)
    FC/AFC Sky Hy Husker Power
    FC/AFC Freeridin Smooth Operator
    FC/AFC Freeridin Vampire Slayer (2007 NARC Finalist)
    AFC Freeridin Maserati (Double Header Winner)

    www.freeridinretrievers.com

  6. #6
    Senior Member Ted Shih's Avatar
    Join Date
    Jan 2003
    Location
    Golden, Colorado
    Posts
    5,002

    Default

    Buffy's spleen removal cost $3400. PetsBest paid back 80% after deductible.

    I am happy with product and service, but not price
    Competition does not build character - It reveals it.

    Home of:
    FC/AFC Freeridin Wowie Zowie (2003 NARC Finalist)
    FC/AFC Sky Hy Husker Power
    FC/AFC Freeridin Smooth Operator
    FC/AFC Freeridin Vampire Slayer (2007 NARC Finalist)
    AFC Freeridin Maserati (Double Header Winner)

    www.freeridinretrievers.com

  7. #7
    Senior Member Ted Shih's Avatar
    Join Date
    Jan 2003
    Location
    Golden, Colorado
    Posts
    5,002

    Default

    Quote Originally Posted by Lucky Seven View Post

    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.

    Chad
    Yes, but have you or anyone else run any claims through to see what they deliver?

    It is one thing to promise, another to deliver

    Ted
    Competition does not build character - It reveals it.

    Home of:
    FC/AFC Freeridin Wowie Zowie (2003 NARC Finalist)
    FC/AFC Sky Hy Husker Power
    FC/AFC Freeridin Smooth Operator
    FC/AFC Freeridin Vampire Slayer (2007 NARC Finalist)
    AFC Freeridin Maserati (Double Header Winner)

    www.freeridinretrievers.com

  8. #8
    Senior Member EdA's Avatar
    Join Date
    May 2003
    Posts
    6,973

    Default

    I thought you had VPI insurance previously?

  9. #9
    Senior Member JusticeDog's Avatar
    Join Date
    Jul 2003
    Location
    Illinois/Wisconsin
    Posts
    6,240

    Default

    I have 3 dogs on VPI, and I am trying out Pet Plan...
    Susan

    FC Tribute to Justice, JH "Honor"
    FC AFC Contempt of Court "Ruckus"
    Medal Of Honor, QAA "Valor"
    HRCH Kirby's High Sierra, SH, QAA "Kirby"
    HRCH Niki Snowbird, SH, QAA "Niki"
    Southland Order In the Court, QAA "Gavel" July 17, 2002- March 24, 2013
    Southland Rusty Nail - derby points, qual placements "Rusty"
    www.justiceretrievers.com

  10. #10
    Senior Member EdA's Avatar
    Join Date
    May 2003
    Posts
    6,973

    Default

    Quote Originally Posted by JusticeDog View Post
    I have 3 dogs on VPI, and I am trying out Pet Plan...
    Because?........

    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

Similar Threads

  1. Pet Insurance
    By Thomas D in forum RTF - Retriever Training Forum
    Replies: 3
    Last Post: 08-30-2009, 06:59 PM
  2. pet insurance
    By j towne in forum RTF - Retriever Training Forum
    Replies: 2
    Last Post: 06-25-2008, 09:44 PM
  3. Pet Insurance
    By Illinois Bob in forum RTF - Retriever Training Forum
    Replies: 13
    Last Post: 01-09-2008, 07:46 PM
  4. Pet Insurance?
    By ttungland in forum RTF - Retriever Training Forum
    Replies: 17
    Last Post: 05-21-2006, 09:18 AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •