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post #1 of 35 (permalink) Old 06-08-2012, 10:08 PM Thread Starter
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Pet Insurance

I'm looking to buy pet insurance for my 2 Havanese dogs. We had couple of visits to ER in past 6 months which turned out to be over $4000. I think its the time for me to invest into insurance.

For those of you who have pet insurance, please let me know which company do you use and why?


Mommy Katya and our Havanese dogs Bona and Ozzy
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post #2 of 35 (permalink) Old 06-09-2012, 08:03 AM
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I have ASPCA pet insurance, but am thinking of changing to Trupanion. Shelby had ACL and patella repair surgery in Feb. The bill was $2700.00. I got back $1500.00 from ASPCA. If I would have had Trupanion, I would have been reimbursed about $2300.00.

Just make sure to research them thoroughly. They all have different deductibles and percentages of what they will reimburse. Trupanion covers everything. However, none of the companies cover a second ACL or patella repair. So as I said, do your homework and see which one fits your needs and budget.

Kodi & Shelby's Mom and Julian's Grandma
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post #3 of 35 (permalink) Old 06-09-2012, 10:35 AM
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I have been researching pet insurance as well. Take a look at the site:

It looks like Healthy Paws or Pet Plan has the most favorable reviews. Pet Plan seems the largest of the two. There were some pretty critical reviews of Trupanion from unhappy policy holders so make sure to read up before making a decision.

Does anyone here have experience with Healthy Paws or Pet Plan?
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post #4 of 35 (permalink) Old 06-09-2012, 10:54 AM
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I just recently got Healthy Paws. There actual office is local to me and they sounded good. A coworker also researched and ended up getting them as well. I have no experience with the claim process so far, but the quote online is really easy!
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post #5 of 35 (permalink) Old 06-09-2012, 11:38 AM
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Thanks for the link to the insurance plan review site, mct, I have saved it and it will be really helpful in my search for an insurance plan. I don't have experience with any pet insurance. I clicked on the link for Pet Plan, because it was highly rated and seemed like a good price, but none of the plans were anywhere near $8.00 month -- more like mid and upper 20.s! I do not know where this site got its numbers. Be that as it may, I just did a very cursory search and will get back to it later. Maybe it's because he's so young so it costs more because of life span, I don't know how they work it. -- Eileen
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post #6 of 35 (permalink) Old 06-09-2012, 08:29 PM
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I'm in Canada, and I went for Trupanion. I pay $58.something per month, and still have to pay all the basic expenses.

Never had vet insurance before, but I'm happy with Trupanion. I wasn't EXPECTING to need it, but I DID! Previously, I had a diabetic dog, and it would have helped tons to have insurance with Trupanion.

Camellia is a private rescue, aged 3.5 when I got her, 16 August 2010. On 25 October last year, she was diagnosed with atopic dermatitis - it's being expensive to manage - very expensive shampoo and spray, available here only from the vet, and lots and lots of antihistamines - almost constant.

Trupanion researched pre-existing conditions for Camellia, and the woman who sold her to me provided names of vets who had attended her - three differnt ones, I think. Trupanion doesn't cover pre-existing conditions.

I took the ZERO-deductible, which pays 90% of costs for eligible conditions.

Trupanion encouraged me to submit claims for the antihistamines, even though I get them at the pharmacy, not the vet's. They don't penalize for making claims - they told me it's not like car insurance.

And Camellia is covered for her lifetime. (Of course, assuming I keep up the premium payments!)

With my diabetic dog, Kumbi, I learned that expenses can pile up in the blink of an eye. And for some conditions, they become quite massive. There's no way I could save enough, even if I put those premiums in a savings account, to cover anything LIKE expenses that are so high.

So, for my sake and Camellia's, I pay the premiums happily.

Submitted claims are investigated quickly, and paid promptly. That's my experience with Trupanion, anyway.

Sat, 9 Jun 2012 18:29:07 (PDT)

Camellia and Carol (CarolWCamelo)
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post #7 of 35 (permalink) Old 06-10-2012, 03:08 PM
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We have VPI. It has already paid for itself 10 times over. Many say just put aside the money in an account, but I like knowing it is there for emergencies.

Just months after we got it, Cash got critically ill. We never figured out what was truly wrong, but we had $3500 in vet bills. VPI reimbursed us $2300.

We pay $45 a month for both boys and it just illness and emergency. And it is just 80% of customary costs... Where we live, most vets are quite a bit above customary costs. But it still helps.

I would ask your vet who they like and are acustomed too. I found that if the vets know how the insurance operated they code the dx for optimal re-imbursement.

Missy, Jasper & Cash
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post #8 of 35 (permalink) Old 06-10-2012, 03:53 PM
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Read carefully too because alot of them will not cover a preexistng condition.
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post #9 of 35 (permalink) Old 06-11-2012, 10:53 AM
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I have VPI, but they don't cover Bruno's hip dysplasia, because it's a preexisting condition. For that (and everything else they don't cover) I have "rainy day fund" and also a membership with a vet discount program called "Pet Assure" - this is besides my pet insurance - and they cover 25% of anything, even preexisting. With all these systems in place I've been managing!
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post #10 of 35 (permalink) Old 06-11-2012, 11:21 AM
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Thanks for the insurance website. 2 quotes in my inbox already!

Lise and Ted
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