What to look for when buying insurance... - Havanese Forum : Havanese Forums
 
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post #1 of 7 (permalink) Old 04-13-2012, 04:00 PM Thread Starter
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What to look for when buying insurance...

What should I look for?

Anyone using any insurance in particular that they're very happy with?
I'm not sure if it's regional but I'd love suggestions.

Thanks.

Corinne
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post #2 of 7 (permalink) Old 04-14-2012, 07:07 AM
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I looked for an insurance that covers genetic conditions ( not all of them do). I have Petplan for Ache but I haven't used it yet.


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post #3 of 7 (permalink) Old 04-14-2012, 03:31 PM
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I have ASPCA. Just as an example, Shelby recently had surgery to repair her ACL. The bill was almost $2800.00. I got back $1500.00. Trupanion is a little different, because they have a sliding deductible and they cover genetic problems. ASPCA has a $100 deductible. However, if your pet has an ACL repair on one leg, they will not cover it for the other leg. They consider it a bilateral pre-existing condition. This is the case with every company I researched. You really have to do your homework in comparing companies.


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post #4 of 7 (permalink) Old 04-14-2012, 11:39 PM Thread Starter
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Thanks guys. This definitely helps!
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post #5 of 7 (permalink) Old 04-15-2012, 12:31 AM
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Michele has the same experience I do with Trupanion. I took out insurance on Camellia the day she became my dog (with Trupanion), and I took the 90% coverage, no deductible. I wasn't expecting to make any claims, but then Camellia showed up with allergic dermatitis - very expensive shampoo and spray, and Trupanion is reliably covering 90% of that expense, every time I buy the stuff. Here in Canada, it's only available from veterinarians (DOUXO calming shampoo and spray).

Trupanion did a VERY careful investigation to make certain the condition wasn't pre-existing. Since Camellia was a private rescue, I was able to get her history from the woman who sold her to me, and a list of the vets she'd seen. They checked with every vet.

They ALSO encouraged me to keep submitting claims, because, they said, theyre not like car insurance, where you're penalized for submitting claims; they will cover this for Camellia's lifetime. It's medical/accidnet insurance.

My information is the same mentioned - that is, if a cruciate ligament is ruptured and repaired, they won't cover a rupture on the other side; it's then treated as a pre-existing condition.

So you really do need to study their policies, and compare with other companies. My point about Trupanion is that they seem to me totally reliable, and totally honest. So I always know where i am, and they answer questions, too.

I have to cover all the basic expenses first, though. I knew that from the start.

By the way, I decided to take out insurance because I had to scrounge for my previous dog, who was diabetic. And these days, with medical expenses for dogs going the way they are (rising; partly because medicine keeps improving, and vets have high overheads), I could never save enough, on my fixed, eroding income, to cover dogastrophic expenses, should they come along!)

Sat, 14 Apr 2012 21:31:33 (PDT)

Camellia and Carol (CarolWCamelo)
http://www.coherentdog.org/
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post #6 of 7 (permalink) Old 04-15-2012, 09:31 AM
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I had Petplan for my 3. When Scudder got Lyme disease they made me come up with 2 years of receipts to show he was on preventative tick meds. When I came up with the receipts they refused to pay because I wasn't using it correctly. I buy the large dog formula and measure it out for the small dogs. It's all the same strength, the amounts you give is what varies. When they refused to pay, I wondered what else they wouldn't pay for so I dropped them. Fred since hurt his knee, but that wouldn't have been covered because it would have been prexisting. Bella has an inflamed disk in her back and so far the meds would not have been covered because I had a high deductible. If she needs and MRI, that's another story. It's a gamble, but for one dog the cost is not that great and it's probably worth it. When you have 3 like me, you have to ask yourself if the 1200.00 a year would be better off in a savings account for them.





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post #7 of 7 (permalink) Old 04-15-2012, 12:17 PM
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The other problem I have with ASPCA is this, and I'll use Shelby as an example. Last year she had to have surgery on her eyes. It was diagnosed in January, but the specialist was treating her with meds first. The policy was due to renew on March 15, so when she had her surgery after that date, they wouldn't cover it. They said it was a pre-existing condition, even though the policy automatically renewed and there was no lapse in coverage. You have to buy their "Continuing Care" coverage for them to cover a situation like this. I am probably switching to Trupanion.


Michele
Kodi & Shelby's Mom and Julian's Grandma
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