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Pet Insurance

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Owned-By-Hendrix
Training Dog
Posts: 938
Joined: Sat Nov 16, 2013 6:40 am
Tell us about yourself: Dutch Shepherd Owner.

Pet Insurance

Post by Owned-By-Hendrix » Thu Sep 17, 2015 6:52 pm

I know this seems insane but with as much trouble as H was getting into as a young pup I went and got him health insurance. He's been insured since about 6 or 9 months... and I am SO glad I did.

The company we went with is Healthy Paws Pet Insurance and I cannot recommend them enough. They're one of the few companies with NO lifetime limits, per year limits, or per incident limits, they cover HD (as long as it's not preexisting and there's no diagnosis in the first year of coverage), and I think they cover dental as long as it's part of an injury. They do NOT cover vaccinations, office visits, and flea/tick preventative like some other companies, but in exchange you can pick your coverage level, your deductible, and you're not limited to who you go and see in the US and (I think) Canada - could be wrong on the Canada part. Best of all - they PAY IN DAYS. Not weeks, not months... Sometimes I have a check cut the next day. So yes you do have to pay out of pocket for the clinic BUT you get your money back ASAP so you can pay off that credit card bill in under a week.

H's recent visit to the emergency clinic cost $600... I got back $360. Part of that was my deductible - if I had met that before I would have gotten back $437 at our coverage level ($600-$115 doc fee, at 90% coverage) so that whole bill would have only been $163.50. Even better they send me emails asking about how H is doing or if I call they'll ask me how he's doing and if he was okay after the last visit (they have record of). They're truly a wonderful company and care about the pets they cover.

If you're curious, copy this link and access the site through it to receive a discount: http://refer.healthypawspetinsurance.co ... 9081400460

It's honestly one of the best choices I made for Mr. Trouble... Else I would be in soooooo much trouble with his vet bills... And know that if the worse was to ever happen he is covered helps me sleep at night.
Kay
(Pepper's Look-A-Like)
(Tyson's Soul Twin)

MultiPurposeK9
Green Dog
Posts: 116
Joined: Sun Jun 14, 2015 5:40 am
Tell us about yourself: Multipurpose trainer

Re: Pet Insurance

Post by MultiPurposeK9 » Fri Sep 18, 2015 4:34 am

Pet insurance is great, both are dogs are covered and I recommend to all of our clients. The younger the better.
Roger
Consistency + Repetition = Predictability

Mark77
Green Dog
Posts: 241
Joined: Fri Aug 03, 2012 6:19 am
Tell us about yourself: Own two Dutchies and a Mal.

Re: Pet Insurance

Post by Mark77 » Mon Dec 07, 2015 1:08 am

Got all mine insured through VPI and they go up about 15% every two years it seems. Now I have them on an emergency plan instead of covering everything for vaccinations and wellness visits. I also learned the vets try to trick you into multiple visits per year for stupid shit- just get everything done at once.

Mobil
Training Dog
Posts: 528
Joined: Thu Jun 12, 2014 10:21 pm
Tell us about yourself: Rescued a dumped DS puppy from the freeway and found his littermate in a nearby shelter two weeks later.

Re: Pet Insurance

Post by Mobil » Wed Dec 09, 2015 1:14 am

I've got Moby insured through Pet Plan. We get a discount since DD is a vet tech, so we're paying about $24 per month with no deductible, 100% coverage (except for specialist care which they cover at 80%) for everything but routine care (so no vaccinations and the like). They have a 6 month wait on HD or cruciate injuries unless your vet sends a certification that there is no pre-existing condition within a month of signing up.

I'm still debating on insuring the girls or not.
Dusty,

Mobil & Turbo (4/14, probably DS)

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