i have found VPI, PetCo, PetMart, etc..
please recommend me one
|VPI is one of the best and longest around. They cover mostly everything except hereditary problems but youll have that with any company. I personally have VPI. They also came ans spoke at my vet tech school about their programs and compared them to others. I am really pleased with them but its everyones personal choice. Petco's insurance barely covers anything honestly but thats just what I think.
|I know this is an old post but I thought I'd comment on our experience with policies we have...
We have insurance on 4 of our dogs... two have health conditions that disqualify them for coverage. We have 2 different policies and the best one we have found so far is through the AKC and it's called "AKC Pet Healthcare Plan", underwritten by National Specialty Insurance Company. We pay about $275 a year for each policy... the premium is low because we took it out on Emma & Darby when they were only about 16 weeks old. We've collected on both. At the time I thought all dogs had to be AKC registered but I think that's only for the puppy trial policy. I might switch my other two over if they will accept them. http://www.akcpethealthcare.com/BHIA/
Unfortunately, we have had three incidents that required vet care in the past two years. One was for Emma when she got a small bite of a bad mushroom in the yard and she spent the night at the vet. http://www.pomeroys.com/EmmaDarby/Page10.htm In September, Darby was diagnosed with allergies and it covered her allergy testing, shots and serium. And we sent in another claim last month after we found what appeared to be a puncture wound on Darby's chest... we think from running into a branch. After several weeks of treatment, it just wouldn't heal properly. The vet surgically removed a beign tumor last month at a cost of over $500 (we will probably get around $400 back because our deductible had been met for the year).
They have a few plans to choose from from basic coverage to a wellness plan. We have their Essential Plus plan which does not cover shots, etc. and it has a deductible and co-pay. It also does not cover pre-existing conditions and there is a waiting period but we have had a good experience with this company. (Don't purchase insurance if you want it to pay for something that has already been diagnosed or will soon be... you'll just waste your money.)
As with any insurance, you hope you never need to use it but it's good to have just in case.
|I'm really glad you posted this. I was going through the old posts today, because I'm considering getting insurance for Barkley. I know it would probably be better just to set the money aside that I'd spend on the premiums each month into a savings account, but I'm realistic enough to know I'm not that disciplined. The information you provided is really helpful. Thank you!|
|insuring einstein is the best thing i've ever done for him!!!!
i can't help you with companies as i live in the uk but if you can afford to i think everyone should insure their dogs
just before christmas (5 days before) we thought einy had eatten one of his toys as he was being very ill so i had to rush him to the vets have him sedated and xrayed
the sedation alone would have cost me £90-£100 ($150 ish ) luckily he did not have an obstruction so did not need the very expensive surgery but my insurance would have covered that too
i only had to pay a £50 ($80) excess
some policys are great our even covers $300 of special vetinary diet a year if he ever needed it luckily for us a change in his food seem to eliminated the thing that was intollerant to and has even cleared up his ear problems
but that close to xmas i would never have been about to find the $1000 ish i would have cost for that op.
good luck with your insurance search
zoe and einy
|Wow! What a relief your sheepie didn't require surgery. The things they get into You've got a great policy to even cover food!
I forgot to mention that Darby has hypothyroidism too and it covered the testing and daily meds too. It's just nice knowing that you can fall back on it if something really unexpected comes up. There's enough emotionally to deal with in an emergency without having to worry about funding treatment.
|I use Pet Care.. and it has been a life saver .
I pay $42.00 (Canadian) a month for both of my boys... Between September 2003 and July 2004, I would of spent close to $6,000.00 in vet bills if not for the insurance.
September 2003 - Torn CCL, need replacement
May 2004 - FBI (stuffed rabbit), surgically removed
July 2004 (6 weeks later with stitches still in belly) FBI (sock) surgically removed
July 2004 - $35.00 muzzle that I should of bought when he showed signs of being a chewer!!!!
what I actually paid was $225.00 (Canadian) the deductable is only $75.00.
Pet Care is available in the US. I have attached their website.. check them out.
http://www.petcareinsurance.com/can/ind ... ID=0002836
Brenda, Dudley (the Chewer) and Murphy
|Wow! Gulp... $6,000! I bet you're glad you got insurance and then the muzzle
Thanks so much writing. I'm glad to hear it pays well! Pet Care Quick Care Gold is what we have on our Border Collie-mix and our Schipperke-mix... I think we'll probably stay with this one for them. We took it out in 2004 and the policy we chose has a $50 deductible per incident and a 30% co-pay for about $275 annually per pooch. It looks like it has a maximum lifetime illness coverage of $36,000 divided equally between 12 "body systems" BUT maximum accident coverage of $3,000 per accident. I can't remember the limitations on the AKC policy.
Thanks again for posting your experience with your policy!
|I've done a TON of research and the best value for emergency only insurance I've found is the ASPCA insurance. I think it's US only, but I may be wrong. You can check it out at http://www.aspcapetinsurance.com/ but here's the scoop on their emergency only (safety) plan for dogs:
Cost: 8.99/month or 107.99/year ($10.50 fee waived if paid annually)
Covers accidents only- no illnesses or routine care
$2,500 maximum per incident
$8,000 maximum per year
$100 anual deductable
Pays 80% of total costs after deductable- no schedule for coverage
ALL dogs elligable no matter age, breed, or health
Pet must be 8 weeks + in age
|That ASPCA one is a good deal. I'm thinking about getting it for the boys. I keep carrying around the envelope in my purse to remind me!|
|We started out with VPI, but found that they paid on "customary charges" not retail charges. We shifted to PetCare Insurance (www.petcareinsurance.com) and have been delighted. PetCare Insurance pays on retail charges (minus a nominal deductible).|
Absolutely get the AKC Pet Incurance: http://www.akcpethealthcare.com/
I have the Wellness Plan
I have both my Labradors insured. The older one was diagnosed with Cushing's disease and the Trilostane for treatment runs me $52 per week without insurance. With insurance I pay around $12. However, all the diagnostic test to determine if my dog was indeed Cushing's cost to date $5500.00 without insurance. Because I had insurance it cost me $1100.00. Last week we went back to UGA to make sure her disease is stable and the Vet found a bump on her foot which they are suspecting cancer. I paid $325 for the initial radiographs and aspirate and another $645 for a surgical biopsy 3 days later. Thank God I have insurance. Because I get 80% of it back.
The only drawback is: you need to be self disciplined. Carry claim forms in your vehicle or purse/wallet. When you see the Vet, they have to fill it out and you sign it and mail it in ( don;t forget to get it stamped by thier office) and with the receipt attached, you must send it in with 90 days of treatment.
I usually get my refund in 21 days. They will also send you a note letting you know they received it. With all claims, I make a copy first and I send it USPS Priority Mail so I can track it.
This has more than paid for itself and I am blessed to have it. It is not likely that I could have givien my dog the proper treatment with out it.
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