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Thread: Pet Insurance

  1. #11
    Senior Member FOM's Avatar
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    I had VPI, key word had VPI - I'll have to dig up the thread where I showed how my claim worked out....wasn't happy...

    This are the links, but they seem to no longer be on the RTF server:

    http://www.retrievertraining.net/for...ic.php?t=17662

    http://www.retrievertraining.net/for...ic.php?t=25171

    Essentailly I had a bill for around $2000 or so and they didn't pay all that much....I want to say less than $500. It was my first claim I had made and I had the coverage for 5 years...no pre-existing condition either.

    Lainee
    Last edited by FOM; 11-12-2009 at 09:51 AM.
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  2. #12
    Senior Member Ted Shih's Avatar
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    Quote Originally Posted by EdA View Post
    I thought you had VPI insurance previously?
    I have PetsBest. Have been very happy with them.

    They changed carriers from North Point Insurance to Aetna.

    I have 7 dogs insured. Premiums jumped $900.

    Consequently, am shopping for better rates.
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  3. #13
    Senior Member Ted Shih's Avatar
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    Quote Originally Posted by EdA View Post
    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
    I have had the same vet for 30 years. His office used to advertise VPI. Stopped because clients complained about service and reimbursement

    Ted
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  4. #14
    Senior Member FOM's Avatar
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    Anyone know anything about Pet Assure? I remembered an email from David, his work actually provides it as a benifit....cool, huh?

    FOM
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  5. #15
    Senior Member Ted Shih's Avatar
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    Am calling Pet Plan for quote. Too many dogs to do it online. Would still like to hear from someone who has actually made a claim and been satisfied before making a move from PetsBest.
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  6. #16
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    Quote Originally Posted by Ted Shih View Post
    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?


    Help me out here. I to am interested in pet insurance.

    I didn't see the $7000 per incident. I did see a $2500 per incident. You must have been quoted a more expensive plan than the Basic.

    I saw no cruciate coverage until the policy has been in effect for 12 mos. No parasite coverage except what's provided for usually a minimal amount. No preventable diseases which could be anything they deem preventable. No hereditary diseases, hip dysplasia, elbow dysplasia etc.

    These all seem to be things we would want insurance for.

  7. #17
    Senior Member ErinsEdge's Avatar
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    I have Petplan. You can get a quote online. I have $20K with a $200 deductible and 80% and I paid $256 a year. The forms look simple enough for the vet. I have not had an incident, but after my last dog, I will have the insurance.
    Nancy P



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  8. #18
    Senior Member Ted Shih's Avatar
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    PetPlan has more comprehensive coverage than PetBest (they cover tooth extraction, cruciate without waiting period) and slightly better pricing.

    For $100 deductible, 80% coverage,

    Pet Plan 12k limit per year per pet
    Pets Best 7k limit per incident, $100k per pet lifetime

    For 8 dogs, $270 per month Pet Plan

    versus

    $277 per month for Pets Best
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  9. #19
    Senior Member EdA's Avatar
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    Quote Originally Posted by ErinsEdge View Post
    I will have the insurance.
    something everyone should consider with the cost of sophisticated diagnostics and surgery, one of my training partners has a 5 year old with 2 TPLOs and a bout with pyothorax, he estimates he has about 20K in medical expenses for the dog (not including routine care)

  10. #20
    Senior Member Ted Shih's Avatar
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    Quote Originally Posted by Barry View Post
    Help me out here. I to am interested in pet insurance.

    I didn't see the $7000 per incident. I did see a $2500 per incident. You must have been quoted a more expensive plan than the Basic.

    .
    I got PetsFirst through PetsBest which has $7k limit, as opposed to Pets Basic which has $2.5k limit.

    From experience
    Buffy - cruciate $3k to 5k
    Buffy - splenic torsion $3.2k
    Mootsie - splenic torsion $2.2k
    Zowie - variety of urinary tract ailments over $30k, maybe over 40k over time

    I want insurance for the big ticket item, so I pick higher limits.
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