Help Me Decide On These Two Insurance Carriers

[Discussing Labradoodles & Goldendoodles]

I have researched long and hard and put policy next to policy for the last couple of weeks. Here are the top two choices and the differences.

Trupanion charges $29.47 per month with a $200 "per incident" deductible and pays 90 percent for accidents, illness and prescriptions with no pay out limit.

Embrace charges $30.28 per month with a $200 "annual" deductible and pays 80 percent for accidents, illness and prescriptions with a $10,000 annual pay out limit.

Does anyone have experience with either company? Embrace is rated the number one carrier by consumer reports.

[Adrianne Matzkin]

We use GoPetPlan.com

I pay $300ish per year per dog. $200 deductible per incident per year, then they pay 100% for my vet. I believe they pay 75% for specialists. They do not pay for vaccines or routine dental care.

[Nikki]

I am with Embrace - so far so good, very pleasant to deal with, haven't had to make any claims yet but did my research and they got good reviews.

[Sharon & Monty]

If you type in the word DOODLE as the promo code, you will get a 5% discount.  Not kidding, I just renewed insurance for Monty today.

[Sharon & Monty]

Oops, that would be for the Pet Plan insurance.

[Laurie, Fudge, and Vern]

Oh shoot, I forgot about that when I renewed. Making a call on Monday :)

[Laurie, Fudge, and Vern]

I just renewed with GoPetPlan.com. The yearly premium for each dog was $159.80. I have a $200 deductible per incident. No vaccines or routine things are covered.

[Laurie, Fudge, and Vern]

Yes, it did go up this year. Fudge is two and Vern is one. Last years premium was $143.56. They also switched carriers and say they cover more now. I have the Bronze Plan. Who knows? Good luck!

[Kim and Kashi]

I have a couple of questions about these insurances. I apologize if this is a repeat question. I have never had experience with pet insurance before.
First of all, would I be able to purchase insurance for an 11 yr old dog?
Secondly, do they cover routine visits?
If anyone knows this off hand, the info would be greatly appreciated
Thanks, Kim

[Jarka, Monty & Auggie]

They will ask for health history from your vet and if your dog was treated for anything, it won't be covered since it would be a pre-existing condition.

[Pinky T]

I went with Embrace for my new puppy. They have been wonderful to work with. Plus they reimburse what you paid to the vet, not according to a predetermined schedule. I have heard this is a real issue if vet costs are high in your area. In addition to the emergency care, I went with the preventative care and it has been worth it. I like the fact that they cover inherited conditions.
I didn't want a plan with a deductible per incident because you could end up paying it each time you go for an incident.

[Lucy & AnnaBelle's Mom]

Make sure if you have 2 doodles with Pet Plan that they are giving you the multiple dog discount ...... when they renewed mine they didn't give me the multiple dog discount.  They also had not given me the "DOODLE" code discount.  I'm having a little trouble getting them to adjust ...... I'm sure they will, just haven't gotten it done yet. 

 

Sandy --- What I would check with Embrace and Trupanion is if they pay on "genetic diseases" such as hip displaysia.  That is one of the main reasons I took out insurance.  I wanted hip displaysia, accidents, and emergencies covered.  I can handle paying for the little things, just wanted the big things covered.  They did increase this year and my girls are 3 years old.

[Joe R.]

We went with PetPlan also. Only thing I didn't like is they would only give one of the discounts we qualified for even though it's made out they would give multiple discounts.