Answer Back from Petplan! Petplan, Petplan, Petplan.............UPDATE to previous discussion

[Laurie, Fudge, and Vern]

As many of you know that were involved with my last discussion, I concluded it by saying I would be writing a letter to Petplan. I have also written Healthy Paws, but have not heard back from them. Here is that discussion.

http://www.doodlekisses.com/forum/topics/pet-plan-insurance

Carly called back from Petplan to discuss my recent letter and since I was not home, I had to call her back. The toll free number is 1-866-467-3875.  In my letter, I explained that I belonged to a dog website with over 15,000 members and some of us were very unhappy with the recent changes brought on by the new underwriters. I told them many of us were getting less coverage for much higher premiums and were thinking about changing and also mentioned that we have many discussions about Pet insurance on our website.

When I called back, Carly was on vacation, so I spoke with Deidre. She said they had to change underwriters because the old underwriters were going to raise the deductible PER CONDITION to $1000 for every policy. Petplan knew this would be unmanageable for most people and chose to look for new underwriters. They are aware that the new higher than average increased premiums are not a plus for Petplan, but feel the broader range of coverage, more options, and ability to now offer an annual deductible (must be approved) make up for it. The letter we have all gotten at renewal time is just an example of what kind of coverage you can get, but they do work with everyone individually to come up with a policy that meets your needs. 

The premium are based on age, breed, and location. I also asked why Poodle mixes are generally cheaper than Doodles, and she said that is because (for example) a Labradoodle would be insured for risks associated with both Labs and Poodles, whereas a Poodle Mix would be insured for risks associated with just a Poodle because the other part of the mix is unknown. She did say Poodles run higher than Doodles, but don't quote me on that one, because I heard one thing, but my notes are unclear.

So, that is the scoop and just another thing to help people who are trying to make the decision about Petplan.  I will update about Healthy Paws when I get an answer.

[Janet & Jaxson]

Thanks for sharing the information, Laurie. When our Petplan renewal comes up in a few months, we'll see where we are at. I am primarily concerned about coverage for Jaxson for the catastrophic events, not the minor things. I don't want it to be about money when deciding on his treatment.

[Laurie, Fudge, and Vern]

Let us know. I have used our insurance rarely, but it is nice to know it is there.

[Janet & Jaxson]

Will do, Pretty sure it renews in January. I think I've used the insurance twice - giardia and upper respiratory infection, both "minor" things. I think once each plan year we've had it since Jaxson is only 2. I guess we'll see......

[Laurie, Fudge, and Vern]

I bet your rates won't change much, since Jaxson is so young. They claim the rates are based on age, location, and breed....not on how many claims you have had...so it will be interesting to see what happens with your policy. 

[Janet & Jaxson]

We'll see. We also moved from So. California to Hawaii. Will let you know!

[Laurie, Fudge, and Vern]

I heard back from someone at Healthy Paws and have an appt. (via telephone) to speak with the CEO on November 1. I will update at that time. If you have any questions you want answered, send me a note.

[Stella]

Wow, the CEO!!! Interesting, they are obviously taking you seriously which is awesome!!

[Laurie, Fudge, and Vern]

I know...and he had his secretary call and make an appointment....all very professional :) 

[Ricki and Tara (doodle)]

Thanks for the update Laurie. I went ahead and signed Tara up with HP. Now I'm keeping my fingers crossed that they are as good as their reviews.  They didn't  want any paperwork or proof of latest exam to sign up. Although they do specify that certain ages require an exam prior to enrollment.  It seems odd they don't ask for proof. They get it all with the first claim apparently. Which is very different from the PetPlan registration process. 

[Laurie, Fudge, and Vern]

Good luck, Ricki. When I talk to the CEO, I will put in a good word for Tara. LOL Keep us posted on how it goes with HP.

[Cheryl and Finnegan]

I have Healthy Paws for Finnegan and have been happy with it. I started out paying $33 /mo. and his current premium is $38/mo. now that he is 6+.  We have an annual deductible of $100, no benefit maximum, and they pay 90% of the actual bill (not the usual and prevailing rate). They do not pay the vet fee for annual exams or regular services which they consider to be part of responsible pet ownership.  For example, HP does not cover teeth cleaning. But Finn had broken a molar that had to be removed and that they would cover.  HP and the vet worked with me so that the insurance covered the pre-surgery tests, X-rays, anesthesia and removal of the molar.  I only had to pay $100 for the tooth cleaning (dental hygienist's time) and $60 for the rest.    In other words, for a $700 bill I payed $160. I could reduce the monthly rate to $33 if I switched to a $250 deductible and 80% coverage.  According to my policy, the waiting period is 15 days for accident or illness and 12 months for any condition related to hip dysplasia. HP has always been pleasant and responsive.  You have to submit your dog's complete medical history when you submit your first claim. I don't know how that compares to Petplan.

[Laurie, Fudge, and Vern]

Thanks, Cheryl. Every time you file a claim with Petplan, you have to submit two years of notes from your vet, I think. I could be wrong, but that is the way I remember it. I am afraid to make the switch at almost 7 & 8, but this should help others.