Pet Insurance?

Having just read the posts on the "Vet bills are ridiculous" discussion I wanted to split out a discussion about Pet Insurance. If you have insurance, what is it called, what does it cover and how much is it? I am considering it and would love to have your input. Call me lazy, but if you have already researched it and are using it why not huh?

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Permalink Reply by Jane, Guinness and Murphy on November 11, 2009 at 4:47am

We ended up with PetPlan after looking at what was offered by the major Pet Insurance carriers. Actually, I started by reviewing the previous posts on Doodle Kisses to identify the top three. Then I went online and got quotes. After looking at what each one offered we selected PetPlan. Try searching the Forum and all your research will be done for you!

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Permalink Reply by Adrianne Matzkin on November 11, 2009 at 4:53am

I got insurance for Samantha and will for Charli as soon as possible. Samantha loves to jump to catch a ball so I purchased it with the thought to cover the expenses if she tore a ligament jumping. BUT after being a DK member for over a year I have peace of wallet knowing that we are covered for anything.

I went with gopetplan.com
I purchased their 'silver' plan. I didn't need it for the 'regular' well check vists and vaccines. I wanted it for the bigger things. I paid $235 (tho they do charge by zip code - my daughters zip code was about $15 less per year). I have a $200 deductable per incident per year and then thay pay 100% up to $12,000 annually. Petplan policies feature a "deductible" for each unrelated accident, illness or injury per year. An unrelated incident is defined as a condition or set of conditions, which have no connection with each other. Petplan covers injuries and illnesses for life with no dollar limits per condition
They do get vet records to rule out preexisting conditions.

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Permalink Reply by Karen & Lucy on November 11, 2009 at 4:50pm

I have the Pet Plan Gold and think that Pet Plan is the best that I have found. I pay $16/month, Pittsburgh area. They have 3 different plans to suit what you need and can afford.

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Permalink Reply by HANNAH 8/2/07 & HONEY 7/2/08 on November 11, 2009 at 5:38am

Check out pet insurance with ASPCA....here is the link...they have 4 levels of insurance etc...copied from their site...
SOME REIMBURSE MORE...BUT DEDUCTIBLES ARE HIGHER....by up to $150.00 +
All Levels Include:
80% Reimbursement of Allowable Covered Charges
Low $100 Annual Deductible
Stay with Your Vet!
4 Simple Levels of Pet Insurance
Level 1 of our pet insurance starts with basic accident coverage that covers injuries like broken bones and poison ingestion.

By going up to Level 2, you'll also get help paying for medications and treatments if your pet gets sick.

Level 3 adds essential wellness care coverage, which includes spaying or neutering, an annual check-up, and vaccinations.

For total peace of mind, we recommend Level 4, which combines accident, illness, and deluxe wellness care coverage.

About Our Pet Insurance
•We reimburse 80% of allowable covered charges.
•Our low $100 deductible only needs to be met once a year, per pet.
•Basic accident coverage starts as low as $7.50 a month.
•You can visit ANY licensed veterinarian in the US or Canada.
•Track claims online at our free Member Center.
•Save 10% by protecting multiple pets.*
•Every plan that's purchased benefits the ASPCA!
•Enjoy a 30-day money back guarantee as long as no claims
have been submitted.

http://www.aspcapetinsurance.com/pet-insurance-plans/pet-insurance-...

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Permalink Reply by Sue, Murphy and Bella ()*o*() on November 11, 2009 at 6:50am

There was a good discussion on here not too long ago where someone did a lot of research and comparisons. Maybe it'll show up on a search.

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Permalink Reply by Adina P on November 11, 2009 at 8:00am

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Permalink Reply by Caroline on November 11, 2009 at 9:11am

We are in Canada and here Petplan has been bought out by another company I think , and the comparisons I checked out said it wasn't quite as good. Petplan seems to have a good reputation, but here I use Vet Insurance. It's around $50 per month with dysplasia coverage,and they refund 90% of claims BUT the maximum claimable amount is $20,000 Canadian for the life of the policy (and your pet), which could rack up very quickly imo, especially with an older dog, so less than ideal. They were very swift at paying out a claim I made though without any problems.

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Permalink Reply by Julie B. on November 11, 2009 at 9:54am

Thanks to all! I have plenty to look into now. I have never taken out pet insurance but with the advent of 2 active dogs I think it is worth investigating. The policy part of Petplan that concerns me is the "referral or after hours" vet service. It seems to me that in an accident or orthopedic work you would have to go to an after hours vet or specialist? I will look into that carefully because I am really looking to insure against major catastrophic illnesses and injuries.

Pet Insurance?

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