Pet insurance for your hav, who has it - Havanese Forum : Havanese Forums
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post #1 of 17 (permalink) Old 04-25-2008, 02:20 PM Thread Starter
Henry 2006-2018/ Kordelia
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Pet insurance for your hav, who has it

just a quick question of who has pet insurance. SInce Henry is my first dog ever, maybe those of you with more dog experience can speak to this topic.

would you say the hav breed might lend itself to getting this? more so than another breed??
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post #2 of 17 (permalink) Old 04-25-2008, 03:03 PM
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I asked my vet about it when I first got Stella. He said that it isn't as good as it used to be and that he wouldn't get it. But then again, vet visits here are really pretty inexpensive. I think if I lived in an area where vets charged more, I'd seriously consider getting it. I'm sure the others are more knowledgable about it than I am.

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post #3 of 17 (permalink) Old 04-25-2008, 03:38 PM
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Hi, we've got some info in a few other threads, so search for "Pet insurance". I've got mine through Embrace Pet Insurance and this company is really one of the best. They cover hereditary and chronic conditions. It isn't cheap however, so if you have the discipline to put away $50 a month, you'll come out ahead with a savings account. The difference of course being something expensive happening before you have money saved.

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post #4 of 17 (permalink) Old 04-25-2008, 06:35 PM
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I have ASPCA Insurance. I have only used it once, thank goodness. But I did get some money back after the deductible and they were very prompt in sending it. They aren't the best, but what I could afford, and they give a discount for a 2nd pet. And anything is better than nothing.

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post #5 of 17 (permalink) Old 04-25-2008, 07:57 PM
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We have Pet Care and from the research we did they are very good. I think you want a company that has been around for a while. Some do not last long. The way vet bills are going I think it is worth it. I pay 35 dollars Canadian a month. It also has an option that if you dog was lost and injured that its I. D. would alow the vet to go ahead and render emergency surgery etc. if you were unable to be contacted. With that they will pay 80 percent of the bill up to 3000 dollars. And that sort of a claim could be made more than once a year. It does not take much to get a 1000 dollar bill these days. I guess it is some peace of mind as well.

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post #6 of 17 (permalink) Old 04-25-2008, 08:57 PM
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Hank has PetPlan insurance. We also did some research and found them to be highly reputable. We were also considering Embrace Pet Insurance. Knock on wood, we've only had to file a claim once (thus far) when we thought Hank fractured his front leg (earlier this month), luckily it was merely a sprain, and the customer service with PetPlan was stellar.

My favorite part about Petplan was this:
"Petplan is the only pet insurer in the United States to cover hereditary conditions with no dollar limits per condition. Most importantly, once a pet is insured with Petplan, they'll be covered for any condition they develop, no matter how long the condition lasts. This is called "Covered for Life" and it can prove to be invaluable when you consider that 30-40 percent of all pet insurance claims are for chronic conditions that last beyond 12 months."

As a result, God forbid Hank has an illness that lasts longer than a year, and the policy renews, his illness will not be considered a pre-exisiting condition (which occurs with most other insurance companies). Embrace has a similar continuing care coverage option. However there is a dollar limit with Embrace.

Here's a website that compares the companies:

Hope this helps.

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Last edited by Lo01; 04-25-2008 at 09:30 PM.
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post #7 of 17 (permalink) Old 04-26-2008, 10:13 AM
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Here is one of the other links on pet insurance

We got VPI about a year ago. And just this past couple of months it really came in handy with Cash's Emergency. It didn't pay everything-- but we got $2000 back on $3400 of expenses. They were fast and courteous, but are stuck on paying via their list of diagnosis -- so if it is not a clear cut case like Cash's was they fall back on the nearest diagnosis and that didn't cover the xtra tests... But all in all I was happy with them.

We got it just for emergencies and not routine care. it costs us about $45 a month for both boys.

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post #8 of 17 (permalink) Old 04-26-2008, 10:43 AM
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At the moment I have decided to forgo pet insurance. Hopefully nothing happens to my guys.
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post #9 of 17 (permalink) Old 04-26-2008, 01:02 PM
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I am so annoyed right now... I did tons of research on the insurance and had decided to go with ASPCA just because I thought their higher rate plans were pretty good. I paid them but there was a problem with my application (it didn't go through or something due to a computer glitch), so they asked me to redo it. At this point I had read a LOT of negative reviews so just decided it was fate and said no thanks. So I've been on the lookout for good health insurance and I LOVED PetPlan (the one that 'Lo just mentioned above). Well, guess what? They don't HAVE PetPlan in New York! I mean, really? That's just plain ridiculous. All the other insurance plans that I saw I really didn't like in comparison to PetPlan and I am SO annoyed right now. It might not seem like too much of a big deal, but after researching for hours on end and finally finding something I like... it turns out I can't get it. Blegh.

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post #10 of 17 (permalink) Old 04-26-2008, 02:02 PM Thread Starter
Henry 2006-2018/ Kordelia
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it is frustrating. I looked up the 2 or 3 plans mentioned in this thread, and there are so many "levels" of coverage. I know I don't need spaying/neutering because it is done, but is confusing.

I wonder if PetPlan is available in NJ?
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