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Thread: Pet Insurance

  1. #111
    Senior Member Moose Mtn's Avatar
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    OK, Not to sound too ignorant.. But Im curious a bit more on Pet Insurance.

    I have my Barrel Horses Covered: Their Mortality policies have a payout if they die ($15k-$35K) based on their value

    I also have a Major Medical plan on one of them.. It provides for veterinary care for a MAJOR injury.. like if they need surgery or significant rehab.

    From what I understand, pet insurance is like the major medical portion?

    With my horses, I cant get a Major Med policy unless I have a Mortality policy... But that does not seem to be true with dogs?
    Brian & Jennifer Tucker
    Bennett, Colorado

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  2. #112
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    Google "Cabela's Pet Insurance" and check that out. It's through a different provider than I've seen mentioned so far, and it's designed for hunting/sporting dogs. Same setup as the ones where you pay up to a certain deductible then they reimburse you for 80% of almost anything.

  3. #113
    Senior Member JusticeDog's Avatar
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    Quote Originally Posted by jeff t. View Post
    Thanks Ted I've been recommending PetPlan to others as well. I stayed with PetsBest because they had a single incident limit of $14,000. I hope I never need a limit that high again (been there, done that). Trying to decide whether to re-enroll a retired 11 y.o. dog.
    My premiums on a 6 year old silver policy is $550 per year. His premiums have doubled in 6 years. I submitted 4 claims recently. I have had to make 3 telephone calls. One still is not resolved even though they have all the needed information. One was held up because I did not show proof that Honor's vet bill had been paid. Excuse me Pet Plan, Honor is NOT insured with your lousy company, so I don't have to submit proof of anything! This is typical of Pet Plan as far as I am concerned. Everything is, and always has been, a stupid hassle. I was hopeful that things would get better when Fabrice, the manager of customer service, was demoted back to a rep, but nothing has changed. I have had numerous emails, PMs, and FB messages from people who have had trouble with Pet Plan.

    My vet is recommending Trupanion, as this is the only company they don't get complaints about from their clients, and they have a HUGE practice. they will get my next dog.
    Last edited by JusticeDog; 10-23-2013 at 02:17 PM.
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  4. #114
    Senior Member mostlygold's Avatar
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    Many of our clients use Trupanion and are very happy. They cover either 80 or 90% of the bill and even cover medications. Many of our oncology patients use this plan as well. Not sure what premiums currently run.

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  5. #115
    Senior Member hotel4dogs's Avatar
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    Cabela's insurance is provided by Embrace. I have Embrace on my dog, and have been 100% pleased with them. Highly recommend them.


    Quote Originally Posted by txhunterusmc View Post
    Google "Cabela's Pet Insurance" and check that out. It's through a different provider than I've seen mentioned so far, and it's designed for hunting/sporting dogs. Same setup as the ones where you pay up to a certain deductible then they reimburse you for 80% of almost anything.

    Barb Gibson
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  6. #116
    Senior Member suepuff's Avatar
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    Funny this topic came up again. After going through this whole topic last week again, I just enrolled the new pup in PetPlan. The three others are still with VPI, whom I've had no problems with. I think I am going to switch the youngest over to PetPlan too though. Coverage is just better with PetPlan. It's not worth it to switch the two other dogs that are older. Too many things they would consider pre-existing.

    VPI has been great...but they only cover 80% of what they say is the cost. It's very different than actual cost. I feel that though they have been great over the last 8 years, they need to change their reimbursement structure. So....Pet Plan for the pup and they youngest dog now...
    Sue Puffenbarger
    Wirtz, VA
    www.boynelabradors.com

  7. #117
    Senior Member JusticeDog's Avatar
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    Quote Originally Posted by mostlygold View Post
    Many of our clients use Trupanion and are very happy. They cover either 80 or 90% of the bill and even cover medications. Many of our oncology patients use this plan as well. Not sure what premiums currently run.

    Dawn
    premium seem a little higher at first, however in speaking with them and getting a price quote, they hold their premiums better over the life of the dog. whereas Petplan goes up exponentially. Trupanion bases their increases on vet pricing in the market area. so the premium increases don't go up nearly as much. At pet plan they are basing it on the age of the dog as well as claims paid.

    I have never had an issue with VPI. I have two older dogs on that policy. My vet however has indicated that many many people have problems with VPI, as well as Pet Plan.
    Susan

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  8. #118
    Senior Member Ted Shih's Avatar
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    I suggest consumers go to http://www.petinsurancereview.com/dog.asp
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  9. #119
    Senior Member Rainmaker's Avatar
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    I've had multiple Labradors on Petplan for years (started with VPI but they were a joke). No problems with claims, though I haven't had many, the ones I did, made it worth it. Oldest dog was 8, her premium went up a little bit as she got older but not a huge amount, as have the premiums in general over the years, but not greatly, like that increase on Jeff's, yowza. I do recommend vet insurance for my puppy buyers and give them the pet insurance review site that Ted linked. I tell them my experience but they need to shop and make their own decisions. Most that do it, choose Petplan.
    Kim Pfister, Rainmaker Labs

  10. #120
    Senior Member JS's Avatar
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    About 4 - 5 years ago I took a policy with PetPlan ... the only dog I have insured. Reading several threads like this over the past couple years, and considering some of the negative feedback re PetPlan, I seriously considered switching. I am glad I did not.

    In the recent months I have had the need to use the insurance for the first time. Overall, my case will probably amount to around $8,000. Thus far, I have filed claims for six visits totaling over $3,000. All but the last one (still in process ... filed just within the past 10 days) have been paid promptly and in accordance with the terms of my plan.

    For the first claim filed, the company did request additional information. The vet clinic had faxed the information for me and neglected to include the invoice showing payment had been made, as is noted in the terms of the contract. Once that was submitted payment was prompt, as have been subsequent payments.

    I guess I just wasn’t upset over being asked for information that was not initially submitted. That is part of the agreement I made and it was made clear before taking the policy ... contracts are a 2-way street. The delay was minimal ... maybe 24 hours.

    My premiums ($200 deductible per case with 10% copay / 20% for specialists) was initially around $250 per year and increased to almost $400 in five years. Of course, I would rather it had not gone up but compared to the increases in vet/medical costs and the fact the dog is now older, I don’t think that is unreasonable or I would have dropped it.

    I have been satisfied that PetPlan has lived up to our agreement and have no reason to believe I will have problems in the future. If I do, I will report back.

    Good luck with whatever you may choose.

    JS
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