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Thread: Pet insurance

  1. #11
    Senior Member 480/277's Avatar
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    Thanks
    it does help

  2. #12
    Senior Member Karen Klotthor's Avatar
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    What about the one AKC is offering when you register a new pup. They offer 60 days free with no obligation. I have not looked into cost of monthly prem yet.

  3. #13
    Member Troy Tilleraas's Avatar
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    Kennel Pro, Mourer-Foster Inc. More than pet insurance- covers kennel, liability, trailer etc...

  4. #14
    Senior Member JS's Avatar
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    This has been hotly debated on a bunch of threads. After considering all the pros and cons and the problems and the satisfactions with the various insurers, I decided to go with PetPlan. I have had a policy with them on one dog for about 4 years.

    Last September, that dog was diagnosed with lymphoma. We have spent 6 months and around $8000 on chemo at Iowa State University and a number of related visits to my primary vet at home. Thus far, my out-of-pocket has been around $1300 total.

    Susan had related some bad experiences with PetPlan, particularly with them repeatedly asking for "more documentation, etc." and felt she was getting a "run-around". With a couple of my early claims, I had a similar misunderstanding with them. They asked several times for "more medical history", to which I replied, "I have sent you her entire medical records for the last 4 years". (was beginning to think I also was getting a run-around) I made a phone call and discovered that what they meant by "medical history" was actually the write-up of the findings and treatment administered at the last visit ... a matter of terminology. The clinic had been sending in the claims for me and were not including all the documentation that was required. Once we got the clinic on the same page, there has not been a hiccup since. I pay the bill when I leave the clinic, give the girl a signed claim form and get the check usually within 5 or 6 days.

    I think with most all the insurers you can taylor your policy as you wish. PetPlan has three "levels" and with each, you can decide how much deductible, how much co-pay, etc. you want. My particular plan, for example, has $200 deductible per case. After the first $200, I pay a 10% co-pay if treated by my personal vet or a 20% co-pay if treated by a specialist like the University Oncologists.

    It's hard for anyone to tell you what your premium will be with so many determinants involved ... the deductibles and co-pays you choose, the age of your dog, the breed of your dog, where you live (presumably medical costs vary widely in different areas). My premium started out at around $250 per year at age 4. by the time she was 7, it had gone up to $410. If you want something with lower deductibles & co-pays so you can claim routine visits, it will cost you a lot more.

    I'm up for renewal soon so I am wondering how my currant status will be considered regarding "pre-existing conditions". As I understand it, as long as my policy is renewed before it lapses, coverage continues uninterrupted. I will keep you posted on that.

    JS
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  5. #15
    Senior Member tpaschal30's Avatar
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    Signed my 4 year old up with Petplan. 90/10 plan, 10K annual, and $200.00 deductible for about $33/mo. Wish I had done both dogs sooner. My oldest just had TTA surgery and not insured. BTW Petplan seems to have the most positive reviews and have been around the longest. Why I went with them.
    Last edited by tpaschal30; 06-24-2014 at 05:55 PM. Reason: addon

  6. #16
    Senior Member Ted Shih's Avatar
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    Quote Originally Posted by JS View Post

    I'm up for renewal soon so I am wondering how my currant status will be considered regarding "pre-existing conditions". As I understand it, as long as my policy is renewed before it lapses, coverage continues uninterrupted. I will keep you posted on that.

    JS

    Jack it is my experience that it is not an issue. I had a dog with knee issues prior to enrolling with Pet Plan. So when his knee blew, it was on me. When there were problems with the knee surgery about a year later, Pet Plan covered the cost of re-doing the knee
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  7. #17
    Senior Member JusticeDog's Avatar
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    Quote Originally Posted by JS View Post
    T

    Susan had related some bad experiences with PetPlan, particularly with them repeatedly asking for "more documentation, etc." and felt she was getting a "run-around". With a couple of my early claims, I had a similar misunderstanding with them.
    JS

    JS - my experiences with Petplan went WELL beyond repeated asking for "more documentation" so I am not sure where you got htat idea. You don't file grievances with the department of insurance just for "more documentation" requests It was a multitude of things. Much of the more documentation had to do with claim adjusters, who were purported vet techs second guessing my veterinarians. I have more than just a little experience with pet plan. Here is a picture of claims for just one dog:



    Out of this pile of claims, for one dog, every piece of documentation was sent with each and every claim. This documentation was the medical record and bills. Vet techs masquerading as claim adjusters look up drugs in handbooks (not even a PDR) and decide what they should be used for and try to take multiple deductibles - which are taken annually. They create new diagnostic codes beyond that of your vet. More diagnostic codes, the more annual deductibles. My vet would determine something was medically necessary, and they would try to state that it was not. No where in the policy did it state that they were going to second guess my vet. It's not as if I was asking them to pay for a tummy tuck for a dog, I asked them to pay for a stomach tack on a dog that was continually bloating to prevent re-occurrence/death. They wanted to state that since it wasn't emergent, it was elective. B.S. It was better to get the dog out of the bloat, and do the procedure when stable. I had to get their own chief veterinarian on on that one - by going around the usual channels. On one occasion, the supervisor made a determination, and went on maternity leave with his wife, and failed to appropriately document the call. Nothing could be done for 2 months. The gate keeper answering the phone refused to clue in the person above them. I do see where the supervisor is no longer a supervisor. And, if you ask to speak to a supervisor, they REFUSE to pass you to one, or give you a name, because they are too busy to take calls. but they are not too busy to take my premium. I have had them state that they would put something in for a second review, and then 4 weeks later, it still had not been done. I have had them try to recently apply the same wrong diagnosis on an issue that was decided in 2012 by one of their own veterinarians. My vet has never written so many follow ups in his life. He now recommends Trupanion. I have had them question my payments even though it states that Fido's bill was X and X was paid, but because it wasn't clear that "Spot's" bill was paid, they tried to refuse to pay Fido's claim. Hello Pet Plan - you are not entitled to see the payments on a dog you don't insure!

    So no, JS, it was not just an issue of "more documentation." It's called, I have Never had but one claim in the huge pile you see below go through smoothly. As I said to them about a year ago, "I'm sure you wish the dog were dead" but he's not. Of course they acted horrified. Insurance is about making a profit. Sorry this one didn't work out the way they had hoped, but if they are managing their investments well, the underwriters can still make it happen. If an adjuster can save the company $50 a claim, that all adds up.

    working for an insurance carrier, i have always believed that you do right by your customers. First and foremost. The service I have received, just doesn't cut it. So not, it was not just "documentation" - it cannot be trivialized as such.
    Susan

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  8. #18
    Senior Member Ted Shih's Avatar
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    As I have said before, my experience has been quite different. I have submitted numerous claims for different dogs. All claims have been promptly and satisfactorily resolved. I have 7 dogs insured with Pet Plan at the present time.
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  9. #19
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    Quote Originally Posted by freezeland View Post
    I pay $76.27 per month per working pet. I have two optional riders that add to this cost, optional rider A is a recovery rider and covers things like physical rehab, acupuncture, hydrotherapy, chiropratic, behavior modification, homeapathy, naturoapathy. Rider B is an optional owner assistance rider which covers boarding fees, lost pet & reward, cremation & burial, etc.

    The only other carrier that covers injuries and accidents occurring while performing as a working dog, which I am aware of, is Pets Best.

    Hope this helps.
    You are correct about working dogs. Trupanion and Pet's Best are it. It should also be said that while the Trupanion premium looks high to begin with, they remain pretty steady throughout a pet's lifetime. they do not go up like my premiums have gone up with other carriers, including Pet Plan. Trupanion is the one my vet recommends. His clients - in a VERY large practice - have the least hassles with Trupanion. None to minimal really. And he treats working dogs, since he himself has working dogs.

    I have policies with VPI, 24 hour Pet watch (formerly Purina Care), Pets Best and Pet Plan. Pet plan is the only one I have had difficulties with, and I have 8 dogs.
    Susan

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  10. #20
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    Quote Originally Posted by freezeland View Post
    I pay $76.27 per month per working pet. I have two optional riders that add to this cost, optional rider A is a recovery rider and covers things like physical rehab, acupuncture, hydrotherapy, chiropratic, behavior modification, homeapathy, naturoapathy. Rider B is an optional owner assistance rider which covers boarding fees, lost pet & reward, cremation & burial, etc.

    The only other carrier that covers injuries and accidents occurring while performing as a working dog, which I am aware of, is Pets Best.

    Hope this helps.
    Something I wanted to clarify about my Trupanion policy after reading Susan's most recent post. My premium has remained constant as she states, except recently my Trupanion policy actually decreased by $12.00 monthly per pet effective June 1st. The reason for the decrease is some of the optional coverages provided under rider A became core covered items within the base policy. I should also clarify that the monthly premium of $76.27 per pet includes the optional riders I have selected.
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