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post #1 of 11 (permalink) Old 03-23-2008, 05:50 PM Thread Starter
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Insurance?

Hi all!

I will be owned by a Hav in about 6 weeks (Going to visit the pups tonight...so you will be getting new pictures later!) Anyhow, had a question about getting insurance. Who has it...and are you happy with it and or recommend it for a new Mom?

A neighbor's puppy was recently bit on his head by her jealous Dobie and ended up with a vet bill of 10k! No, I am not kidding... Opened MY eyes...lemme tell ya.

I've looked at some of the threads here and see that some of you meantion insurance. Is it appropriate for me to ask what you have?

Thanks for any info!

Jean
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post #2 of 11 (permalink) Old 03-23-2008, 06:42 PM
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I have this insurance for Beamer..
http://www.pcinsurance.ca/RocEn/PI.asp
Not sure if this is available in the US though?

Something like a 10k accident would require pretty high premiums I would think.

Ryan

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post #3 of 11 (permalink) Old 03-23-2008, 06:49 PM
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We have VPI pet insurance. And I am right now submitting my first bill.
$3500. We only have illness and emergency coverage. And this was both. They are supposed to pay 90% of customary charges after a $50 deductable. for this we pay $45 a month for both boys.

I am very curious to see how much we get back-- If we don't get at least 2K back- I am not sure it is worth having it. I will keep you posted.




Missy, Jasper & Cash
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post #4 of 11 (permalink) Old 03-23-2008, 06:57 PM
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I have ASPCA pet Ins. I only have the injury/illness coverage. I had one small bill to submit when Shelby had a bout with a stomach thing. There is a deductible, but I forget how much and then they pay a % of the balance. I am once again comparing to make sure I have the right coverage. The cost is about $36 for both dogs, because they discount for the 2nd pet.


Michele
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post #5 of 11 (permalink) Old 03-23-2008, 07:56 PM
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Insurance

I had VPI with my previous dog, but the coverage was poor.
I consider ASPCA and Pets Best, decided for the later and recently submitted a claim and they seem to be dragging their feet . will let you know. In any event I think it is needed
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post #6 of 11 (permalink) Old 03-23-2008, 08:42 PM
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Insurance

I had VPI with my previous pet, but what they paid it wa snot that great.
Now i was deciding between ASPCA and Pets best. Decide for Pets best, I just submitted a claim and in addition to the medical record from the doctor ( it was the first visit ) they requested a questionaire.
Let's see.
I went to Petsmart's hospital ( forgot the name) and they seem to have a medical plan not sure if adequate or not
I think it is a need , but like for medical insurance you are at the mercy of the companies
Good luck
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post #7 of 11 (permalink) Old 03-23-2008, 08:45 PM
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I had VPI before with my dogs (for about 2 years) and found it sadly lacking. I had injury/illness one with $50.00 deductable. Then they paid 90% of the balance from their schedule. I don't know where they get schedule of prices for the procedures, but they were not even remotely close to the rates the San Francisco vets charge. I switched to Pet First Healthcare - www.petfirsthealthcare.com - they have several different coverages with or without preventative care and just accident/illness. There are three diferent levels of coverage within each, so I suggest you call and speak to a rep. I am very happy with this insurance. I pay $50.00 deductable and then my bill is covered 90% of the actual vet bill. any follow up visits for the same accident/illness have no deductable and are covered at 90% of the actual bill. My vet's front office staff just faxes the bill to my insurance after I pay and I get my money in 2 weeks (usually less) from the day it's submited.

I am looking forward to the puppy picture fix.

-Julia
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post #8 of 11 (permalink) Old 03-23-2008, 09:09 PM
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Julia, I think I will check them next to compare to mine.


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post #9 of 11 (permalink) Old 03-23-2008, 10:52 PM
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I've got my insurance with Embrace Pet Insurance. It's wonderful and the staff is outstanding. Best customer service in the business. It's based on the British model where they PAY claims, not deny them. It isn't cheap however. For my older dogs, I was only able to get accident and that's really inexpensive. One important thing to look at is what the coverage is for "chronic conditions." A pet policy renews every year so if they get sick the prior year, when you renew it is often considered "pre-existing" and doesn't get covered. So with chronic, you've got ongoing coverage - albeit not as much as your main policy. They also cover hereditary conditions - and have few exclusions and are very upfront about what these are.


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post #10 of 11 (permalink) Old 03-23-2008, 11:47 PM
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Quote:
Originally Posted by juliav View Post
[VPI] Then they paid 90% of the balance from their schedule.
[Pet First Healthcare] ...several different coverages with or without preventative care and just accident/illness. I pay $50.00 deductable and then my bill is covered 90% of the actual vet bill.
(Emphasis & chopping up of Julia's original reply is my doing.)

Julia, interesting comparison! Thank you for posting those specific differences as well as the others you noted.
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