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I just looked over petplan... any pre-existing conditions are not covered. So they wont cover kodie's meds since hes already on them, huh? AND they will not cover any treatment for follow up appointment for kodie since hes already diagnoised with his issues... :( ??
 

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Is it international, Sandi?
Sue, I think they have PetPlan in the UK but certainly not here in Greece. I am mainly thinking of taking it out for when I am stateside. We are thinking that we will spend 1/2 yr. in the US when we can arrange our schedule to do that. We need to get our house ready to put on the market at some point! We would spend the majority of those 6 months in TX.

Regarding pre-existing---I am not sure how to define that as we have no conclusive diagnosis for Kitzi's limp. 4 orthos & not one agrees w/the other. Most say the LP isn't bad enough to do surgery, but can't explain the limp. One said possible ACL but nothing conclusive. I do think we would just pay for that surgery out of pocket IF we can ever get a diagnosis!
My real problem is I have no vet reports in English---only Greek or German! All of his blood work is fine so far (haven't done the tick-borne test yet!) so nothing there. I don't mind giving his history honestly--outside of the neuter/teeth (baby) removed, poison episode & limping there isn't much to tell. But then he is only 1 yr. old! :HistericalSmiley:
 

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Discussion Starter #23 (Edited)
ok i NEED to get the ball rolling with this and get to it , but i am clueless as to what exactly should i be getting , so to all u knowledgable ppl pls help , i simply am clueless when it comes to things like this. so advice advice advice , and in english please lol
Hi Liza - I can try and help you. I don't know much about the other plans because I did my research a while ago, but I can tell you a bit about how PetPlan works, if you're interested.

Here is a chart that lists their three different plans: Bronze, Silver and Gold. Petplan's Flexible Dog Insurance Policies

I have the Bronze plan which means I can get a maximum of $8,000 a year in reimbursements. The Silver plan is $12,000 a year and the Gold is $20,000 a year.

Once you choose the plan you want, you have to select a level of Co-Insurance and Deductible. Both of these are the amount YOU are responsible for paying.

A deductible is the dollar amount you pay for each incident before Pet Plan will reimburse you. I chose a $200 deductible for each incident/condition. So, for example, let's say the total cost of this incident with Bailey was $1,000. Straight off the bat, I was responsible for $200 of that. So that leaves $800.

The co-insurance is the percentage of the costs that you pay after the deductible has been met. I chose a 20% coinsurance. So, in Bailey's case, if the total was $1,000 minus the $200 deductible, that leaves me with a total of $800. I am responsible for paying 20% of this $800 which is $160 and Pet Plan will cover the rest.

So, from the $1,000 total vet bill, I have paid $200 for the deductible and $160 for my 20% co-insurance. Pet Plan will pay the rest, which is $640.

Once you choose which plan you want - the Bronze, Silver or Gold, you then have to decide what you want your deductible and co-insurance to be. You can choose your deductible to be $50, $100 or $200. You can choose your co-insurance to be 0%, 10% or 20%. Your monthly cost of the plan will change based on the co-insurance and deductible you choose. I chose the plan with the least coverage - Bronze, with the highest deductible of $200 and the highest co-insurance of 20% - because the monthly cost was really inexpensive. You can choose a lower co-insurance and lower deductible if you can afford higher monthly costs - then your coverage will be better than mine and you will be responsible for less of the total cost than I described in my example above.

*** Please keep in mind that you are responsible for paying ALL costs up front. You can then submit a claim and Pet Plan will reimburse you as per the plan you have chosen.

Hope that helps!!!
 

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Discussion Starter #24 (Edited)
I just looked over petplan... any pre-existing conditions are not covered. So they wont cover kodie's meds since hes already on them, huh? AND they will not cover any treatment for follow up appointment for kodie since hes already diagnoised with his issues... :( ??
Yes, that is right - Pet Plan will not cover any pre-existing conditions for Kodie. I don't think ANY pet insurance covers pre-existing conditions. Sorry it won't be of more help to you :( I learned about pet insurance way too late for my cat as well...he was older and already had some conditions so I couldn't really get a plan for him...but for all future pets, I will be enrolling them in a plan as soon as I bring them home, so I don't have to worry about pre-existing conditions not being covered.

For everyone - All pet insurance plans have a long, detailed list of what's covered and what's not (toooo much info than we can post here, hehe!) so it's important to read over it carefully before you enroll.

Sue, I think they have PetPlan in the UK but certainly not here in Greece. I am mainly thinking of taking it out for when I am stateside. We are thinking that we will spend 1/2 yr. in the US when we can arrange our schedule to do that. We need to get our house ready to put on the market at some point! We would spend the majority of those 6 months in TX.

Regarding pre-existing---I am not sure how to define that as we have no conclusive diagnosis for Kitzi's limp. 4 orthos & not one agrees w/the other. Most say the LP isn't bad enough to do surgery, but can't explain the limp. One said possible ACL but nothing conclusive. I do think we would just pay for that surgery out of pocket IF we can ever get a diagnosis!
My real problem is I have no vet reports in English---only Greek or German! All of his blood work is fine so far (haven't done the tick-borne test yet!) so nothing there. I don't mind giving his history honestly--outside of the neuter/teeth (baby) removed, poison episode & limping there isn't much to tell. But then he is only 1 yr. old! :HistericalSmiley:
Sandi, I believe Kitzi's limp will definitely be considered a pre-existing condition because he has had symptoms of it for a while. Even if no confirmed diagnosis has been made, if the medical history lists any symptoms of a condition that started before you enrolled in a plan, that won't be covered. That is my understanding, anyways.

Hmmm...the medical records being in Greek could pose an issue. I would give Pet Plan a call or email them to explain your situation and see how they would handle it...?
 

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nida u explained it beautifully , u even explained the deductable part that i still didnt understand about my insurance lol .im definitely going to look into this now , because it definitely scares me that something could happen and i wouldnt have the money , because some ppl can do it but i basicaly live paycheck to paychk u knoe .. thanks for explaining ! :wub:
Hi Liza - I can try and help you. I don't know much about the other plans because I did my research a while ago, but I can tell you a bit about how PetPlan works, if you're interested.

Here is a chart that lists their three different plans: Bronze, Silver and Gold. Petplan's Flexible Dog Insurance Policies

I have the Bronze plan which means I can get a maximum of $8,000 a year in reimbursements. The Silver plan is $12,000 a year and the Gold is $20,000 a year.

Once you choose the plan you want, you have to select a level of Co-Insurance and Deductible. Both of these are the amount YOU are responsible for paying.

A deductible is the dollar amount you pay for each incident before Pet Plan will reimburse you. I chose a $200 deductible for each incident/condition. So, for example, let's say the total cost of this incident with Bailey was $1,000. Straight off the bat, I was responsible for $200 of that. So that leaves $800.

The co-insurance is the percentage of the costs that you pay after the deductible has been met. I chose a 20% coinsurance. So, in Bailey's case, if the total was $1,000 minus the $200 deductible, that leaves me with a total of $800. I am responsible for paying 20% of this $800 which is $160 and Pet Plan will cover the rest.

So, from the $1,000 total vet bill, I have paid $200 for the deductible and $160 for my 20% co-insurance. Pet Plan will pay the rest, which is $640.

Once you choose which plan you want - the Bronze, Silver or Gold, you then have to decide what you want your deductible and co-insurance to be. You can choose your deductible to be $50, $100 or $200. You can choose your co-insurance to be 0%, 10% or 20%. Your monthly cost of the plan will change based on the co-insurance and deductible you choose. I chose the plan with the least coverage - Bronze, with the highest deductible of $200 and the highest co-insurance of 20% - because the monthly cost was really inexpensive. You can choose a lower co-insurance and lower deductible if you can afford higher monthly costs - then your coverage will be better than mine and you will be responsible for less of the total cost than I described in my example above.

*** Please keep in mind that you are responsible for paying ALL costs up front. You can then submit a claim and Pet Plan will reimburse you as per the plan you have chosen.

Hope that helps!!!
 

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Discussion Starter #26
nida u explained it beautifully , u even explained the deductable part that i still didnt understand about my insurance lol .im definitely going to look into this now , because it definitely scares me that something could happen and i wouldnt have the money , because some ppl can do it but i basicaly live paycheck to paychk u knoe .. thanks for explaining ! :wub:
You are very welcome, Liza!!! I'm glad I could help and if you have any more questions, feel free to PM me.
 

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Discussion Starter #27
Not to completely flood this thread with my posts, but I wanted to add one more thing. I forgot to mention that at the same time that Bailey got sick, I had a senior cat who was going through major medical issues. Isaiah had been sick for several months and we had been going through constant vet and specialist visits, numerous tests, medications, etc to get a diagnosis. I had already spent thousands of dollars on Isaiah’s issue so when Bailey got sick, I really could NOT afford another $3,500!!! That is why I am SO glad I had gotten insurance for him. Isaiah did NOT have insurance so I had to pay for all his medical costs out of pocket – when we finally did get a diagnosis, we found out it was advanced cancer with really no treatment options, so we could just kept him comfortable for the time he had left. We paid for in-home vet care which included weekly visits by a vet for “hospice” care, and daily visits from a vet tech to give him all his medications, plus the cost of all his medications. Roughly, I was paying $200-$300 A WEEK for Isaiah’s medical care – for about 3 months (this is just after the diagnosis, not even counting the thousands of dollars leading up to it).

So, Bailey’s illness came at a really difficult/bad time for me. This is why I think it’s important for especially people with multiple pets to have insurance – you never know when more than one of your pets could get sick/injured at the same time! Between Bailey and Isaiah, my vet care costs for those couple of months easily added up to about $10,000. I’m just glad at least some of it was covered through insurance – without it, I may not have been able to provide the same level of medical care for both of them.
 

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Thanks Lynn! Wow said:
VPI contacted my Vet's office directly for the data/records that they needed. I know that they do not take on any dogs age 10+ so I was lucky that I got Secret on this year. Actually the plan that Secret has is the newest VPI plan and is much better than the one that Lacie and Tilly have (but same cost). It covers a lot more. I will not be able to change Lacie and Tilly's plans until December (anniversary date of their insurance) but then all 3 will be on the new plan. I believe that they have 3 different plans. The one I have is for catastrophic and then you put a rider on for the annual items. They pay like clockwork. I'm reimbursed within a week of submitting my claim and am able to fax my claim to them. Since having VPI, however, I have not had anything MAJOR to be covered -- just annuals and dentals. But in the long run, I think the 3 insurance companies that have been mentioned here are all very good and that having catastrophic coverage (in particular) is extremely important.

(And, Nida, I was terrified when Tilly got HGE. Luckily DH had not gotten sick yet and was home. The thing that really got to me is how quickly this progressed. I believe that she would have died if I had been at work all day and she hadn't gotten vet care until I arrived home. Actually, our Dr. Jaimie is the one that calmed me down and helped me get through it. Just as quickly as it came on, it left. She was completely find within 2 days.)
 

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Discussion Starter #29
My goodness, Tilly's HGE episode sounds awful. How firtunate that your DH was home with her and got her the care she needed immediately! Poor Tilly! HGE was one of the possibilities someone had mentioned to me when Bailey got sick. I need to do some more research on it so I'm aware of the symptoms because it sounds like it's important to recognize the signs asap.

VPI does sound pretty good...I havent looked at it in a while, but when I get my next puppy, I am going to look in to all the different insurance companies again as I know there will have been changes to their plans since I first did my research. I won't have any pets without pet insurance again...even cats...because even though I barely had to spend any money on vet care for my cat for most of his life, outside the routine things, his last few months were very, very expensive. So to me a small payment each month is worth it...even though yes, it's another monthly bill which is a pain...but it's those huge unexpected emergency/major illness vet bills that would be a real issue.
 

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I just want to say THANK YOU all again for your advice. This forum, and all of your advice, has been so helpful in so many areas since I am a new dog mom with a ton of questions. I am looking into pet insurance for my Rudy now and, sure enough, all I had to do was a google search on this forum to find the answers I needed. You are all so great. I am looking into Pet Plan and VPI. I read through all of the posts and I see that most people have gone with PetPlan or the AKC, and I was curious if there were reasons why people didn't choose VPI?
 

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FYI -- VPI changed their plan this year and now offer a much better plan for the same price. This may have had something to do with the PetPlan choice. I would investigate all of the plans that have been mentioned here in a positive way.
 

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Hii!

I purchased Trupanion for Alykai. I have a 0 deductible with a 10% co-insurance and no limits plan. The policy premium doesn't increase with age. I pay $39 a month.

I know that $39 is a little high, but I just didn't want to have to pay a deductible each time I go to the vet.

I hope Trupanion is a good insurance! I was on the fence between Trupanion & PetPlan.
 

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Happy you got insurance. The plan looks good. What threw me is on the comparison chart it showed PetPlan charging over $60 a month for a dog. I only pay around $35 a month. Not sure although I'm on a $200 deductible plan. I might have to check TruPanion next time. I don't remember seeing them when I first got Tyler his insurance. Anyone you know use them?
 

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We didn't have insurance on either of our Maltese. Then last year when we got a Shih tzu I decided to do my homework & get them covered. So after a high recommendation from my brother I put Izzy (shih tzu) on it with V.P.I. When I tried to put Kiwi our 9 yr old maltese on they turned her down. She had had a tiny benign tumor removed almost 2 years ago. I was able to get her covered with the ASPCA insurance. I have no idea how they'll work out but I hope they cover her if she needs it! No one will cover Tassy at 14 1/2 years old so the expense for cushings diagnosis & treatment are getting expensive. I would highly recommend getting insurance while they are still puppies....very well worth it!!
 

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Happy you got insurance. The plan looks good. What threw me is on the comparison chart it showed PetPlan charging over $60 a month for a dog. I only pay around $35 a month. Not sure although I'm on a $200 deductible plan. I might have to check TruPanion next time. I don't remember seeing them when I first got Tyler his insurance. Anyone you know use them?
I did a lot of research and felt that Trupanion was the best choice for me. I don't know anyone personally who has it. :/
 

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I went with Pet Plan

Originally Posted by MallyMaltese
How much do you pay your pet insurance? I'm afraid I'll get scam that's why I don't get any pet insurance for my dog. Do you know any reliable pet insurance company?
I spent a lot of time researching and reading customer feedback. I ultimately went with Pet Plan for a few reasons. I pay $322 a year (roughly $80 quarterly or $23 monthly).

  1. They cover damage or rupture of cruciate ligaments or defects of the patella as long as you get a vet to document within the first 30 days of coverage that these conditions do not currently exist so it would therefore not be considered a pre-existing condition.
  2. They do not put caps on expenses per injury or illness (i.e., they don't use a benefit schedule). They use the "what is reasonable and acceptable" policy, which basically means that as long as your vet is not charging outrageous prices in comparison to other vets in your area then it will be covered.
  3. You can choose your deductible and coverage amount to fit your needs, and you can change this if necessary.
  4. Injury coverage begins 24 hours after policy effect date. Regular coverage begins within 14 days (some insurance companies make you wait 30 days, which basically means you are paying for a month that you cant use).
  5. They will never raise premiums based on the amount of claims used in the previous year.
  6. You only have to pay the deductible once per illness. So if it is something chronic you don't have to worry about that each time a visit or treatment is needed.
  7. They give a 10% discount if your pet is microchipped, and a 5% discount if you buy the policy online.
  8. They cover dental as long as you have had a vet check dental within the past 12 months and document no problems.
  9. They offer advertising and reward coverage for lost pets, coverage for the amount paid for pet in the event of death from illness or injury, or if lost or stolen (god forbid!), vacation cancellation coverage if you can't go on a scheduled vacay due to pet illness, and emergency boarding/kennel costs.
I know there are other reputable companies out there. Pet Plan just felt right for us. When looking for a company make sure you specifically ask the following questions:

  • Are they appointed in all 50 states including Washington DC?
  • Do they employee Property Insurance Experts (i.e., with a license for property insurance sales)?
  • Do they have an A+ rating in all 50 states + Wash DC?
Some companies will only have appointments in certain states or only have an A+ rating in certain states. This could mean trouble if you are traveling. Hope that helps!
 
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