Insurance pay outs and time it takes

[Lorraine Bromley]

After having Neely to the vet after a suspected injestion of a foriegn body I got to worrying about what would happen if it had of been and expensive surgery ect that I may need to make that decision. So I asked my vet about his interactions with the insurance companyies. He said it wasn't good. They were now waiting for 2000 that was supposed to be payed out in four days. It has been over two weeks. So he said do your research. Which has been discussed alot here, but I havent heard about when people gets there money.
Can I get some feed back on this please.
Thank you

[shelly]

This is definitely one post I will watch. We are also going to look for pet insurance. We thought - ah - what's the chance of Tori needing to be hospitalized (again) after her pancreatitis - and BAM! She too swallowed a foreign object - a teeny tiny screw - like the ones from the back of a kid's toy that holds batteries in. Have NO idea where it came from! Most dogs would have passed it easily without any notice... But NOPE - not her - caused us $1,300.00 in vet bills!!! And that was without surgery - Thank GOD! We picked up paper work on companies on our way out - we still have to decide.

[Kyoko]

The pet insurance I have for Charlie require me to pay out first. And they reimburse me for certain percentage of the cost depends on the procedures. I just fill out their form. attach the vet bill and fax them over. Within 2 weeks or so, I receive a check from them.

[Abby and Raya]

Which insurance do you have? I am looking into plans for Raya and would love to follow suggestions posted here.

[Kyoko]

I have VIP as well. I pay about $35.00 per month.

[Sally, Echo and Emmi]

I have pet plan and I heard from a few people that had to make claims that they were great. Pet plan covers hereditary issues (like hip dysplasia) and VPI does not

[shelly]

Jane, those are the two we took info on and had started looking into a while back. We also too a booklet on the ASPCA...

[Kyoko]

Jane, How does Petplan work? Do you submit the claim and get reimbursed like VIP?

[Adrienne Shapiro]

I have used VPI for many years- 13 with my Dalmation and now 2 plus with my Doodle...I LOVE them. Honest, available, reliable and quick payers....I can't be happier with them and so reasonable. I have the Gold Plan...the Premium and I think I only pay about $250 a year without the Wellness plan, which I had for one year only when she was a pupply because it covered her shots and part of her spaying. Hope this helps...Ask questions..There is a $50.00 deductible for each incident and each part of the incident has a chart on how it is paid..ie, the x-ray, the cleaning for wound, meds, etc..My rates NEVER went up. Here's hoping you never need it!!!

[Sally, Echo and Emmi]

My friend's goldendoodle is 2 and was just diagnosed with hip dysplasia. She has VPI and they don't cover hip dysplasia or any other genetic issue

[jdlv25q841on]

I have had VPI pet insurance for about 3 1/2 years (Oliver is just over 4) and, although slow, they have paid for several Vet. and ER visits. I did have a problem once, when I saw that they had placed a waiver for any GI problems, as Ollie had ingested bark chips just before initiating coverage that led to an ER visit with IV's. I wrote to them and inquired about the waiver and they said that it would remain permanently. I suggested that if a dog broke his leg and then had a 2nd fracture 3 years later, it seemed that it would be considered a separate, unrelated event. They initially refused to remove the waiver, so I told them that I would seek a "2nd opinion" from the Insurance Commissioner of CA. That led to a removal of the waiver rather promptly! I firmly believe that you need to be pro-active with these insurance companies...and recognize that you take out pet insurance for "catastrophic" events..not something like a simple ear infection after swimming.

[StaceyW]

We have Trupanion - we pay up front for the medical bills then submit them and are supposed to get 90% back after $150 deductible per problem. I dont know yet how good they are about paying as I just submitted about $700 worth of invoices for Ollie's recently diagnosed hip dysplasia (I did elect a hip dysplasia rider when I signed up - phew)

[Frannie & Callie]

I use Pet Plan, and have been very happy with their service. I pay about $35 per month to have a their top-tier plan ($50 deductible, etc). So far, the plan has paid for itself twice this year...first when Callie had bronchitis and then about two weeks ago when she got something lodged in her eye. My checks have come within about 3 weeks of my claim (if you have the doctor fill out the paperwork, it goes faster). They DO NOT cover preventive medicine or yearly shots (their theory being that these are base-line expenses and you can plan/budget for those). www.gopetplan.com if you want to check them out.