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We just bought Trupanion insurance for Diamond. We live in Canada (Toronto) so our choices in pet insurance are somewhat different and the premiums are probably different as well. We pay about $40 a month premium. We chose Trupanion because it will cover things like luxating patellas. The deductible is per condition, not per incident, they don't exclude conditions common to the breed (e.g. luxating patellas), and there is cap per injury or illness. The conditions actually seem a lot like Pet Plan above, but pet plan isn't offered in Canada.
 

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Pam - it's interesting that AKC covers the GME thankfully. I was just looking at the link you sent and clicked on what is NOT covered and here's what they have:
What's Not Covered

Pre-existing conditions are always excluded. We define Pre-existing conditions as any disease, illness or injury which occurred or existed prior to the original effective date of the policy
Illness that occurs or shows symptoms during the first 30 days of your policy unless you have continuous coverage with us
Diagnostic test(s) and treatment(s) for conditions excluded or limited by this policy and complications of conditions excluded or limited by this policy
ACL are considered bilateral conditions; one covered per life of the dog
Elective treatment, including but not limited to: vaccine titers, cosmetic dentistry, docking of tails, cropping of ears, microchips, removal of dewclaws, removal of eyelashes, declawing, or tenectomy that you choose to carry out that is not directly related to a current covered illness or injury.
Breeding your pet, pregnancy, and any treatment in connection with pregnancy or giving birth
Grooming and nail clipping
Conditions always excluded: congenital/inherited conditions; eye conditions including aberrant cilia, dermoid, distichiasis, entropion/ectropion; CDRM; chronic renal (kidney) failure; deciduous teeth; diabetes (insipidus or mellitus); elbow dysplasia (OCD, FCP,UAP); hemophilia; congenital heart problems including murmurs, failure, cardiomegaly (enlargement of the heart); hip dysplasia; congenital liver conditions; obesity (not due to an underlying medical condition); OCD (including but not limited to the hock, elbow, carpus and shoulder); osteoarthritis; congenital shunts to include portostymic shunt; elongated soft palate; stenotic nares; spondylosis; von Willebrand disease; luxating patella; and umbilical hernia
Food, vitamins and nutritional supplements
Alternative medicine including holistic, herbal, homeopathic, acupuncture or chiropractic treatments


I put in bold the liver conditions (I thought that's what GME is but I might be wrong) and also luxating patella which is very common for our guys and girls. That's why i didn't go for the AKC plan.

This is what PetPlan DOES cover:
Petplan policies provide reimbursement for all veterinary fees relating to treatment administered by a licensed veterinarian for any illness or injury (provided that it is not pre-existing), including the following:
Hospitalization - including emergency treatment
Diagnostic testing - such as MRIs, x-rays, endoscopy
Surgery - including cruciate ligament surgery and organ transplants but not spay/neuter
Cancer treatment - regardless of the type of cancer
Non-routine dental treatment - such as tooth extraction, root canal but not routine teeth cleaning
Prescription medications
Referral and specialist treatment
Alternative and complementary treatments - such as acupuncture, hydrotherapy or chiropractic treatment

Reimbursement is based on what your veterinarian actually charges. It is not based on what a benefit schedule dictates or a "usual or customary" fee determined by the insurance company.


I think anyone looking for insurance has to compare what works best for him or her but the main thing is to consider having insurance for those instances like Nida went thru with Bailey.
They would not have paid for Alex's heart murmur !! and not for the repair of his patellas !! that's the only two things I would have needed insurance for Alex.
 

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thank you for starting this thread. I'm not sure why i never looked into getting my little guy pet insurance (im such a worrywart and take him in for everying) but i'm researching now! Hopefully it's not too late!
 

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I so wish I had seen this post $10,000 ago! Oscar had a bladder stone surgery and 6 weeks after the surgery, he couldn't hold his urine. The vet kept telling me "it is normal" "it takes time" but people I spoke to whose dog had bladder stone removed said it wasn't normal! I finally listened to my gut instint and went to a specialist. The ultrasound showed he had a lot of inflamation at the surgery site. So much, that his baldder was getting glued to his colon. Talking about this makes me so MAD! I've Never seen so many incompetent vets in my life! He had emergency surgery and had part of his "rotting" bladder removed. As it turns out, it was MRSA! Ofcourse, the specialist said it was an "Allergy" reaction to the sutures and the orginal vet was not at fault. But the Lab came back positive for MRSA (it would have killed my baby). 4 months later, his anal glands had to be removed. (another major, expensive surgery). They kept getting infected/packed up w.i 3 weeks of being extracted and it was painful. I still believe the gland problem is a result of the first botched surgery. I believe ALL the inflammation and infection/bacteria ended up in his anal glands. We have applied to PetPlan but need to wait to see whether or not they'll accept him. The thing that bothers me, is that my husband is a big believer in Insurance (for everything--even jewerly). He kept bugging me to get it and I kept saying: Nah, he is healthy! (which he was). PLEASE: Take it from us. GET INSURANCE AND BE SURE TO READ THE FINE PRINTS! VIP INS. I FOUND OUT THEY WILL ONLY TREAT A CONDITION IN ONE YEAR. THE FOLLOWING YEAR, IT BECOMES A "PRE-EXIST." CONDITION (A NEIGHBOR LEARNED THE HARD WAY). I SPENT HOURS READING FINE PRINTS OF MAJOR PET INS. CO.'S AND I CHOSE PETPLAN! I WILL NEVER HAVE ANOTHER PET W/O INSURANCE!
 

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Hmmmm... We have Pet Plan for Bella. I wonder if they will cover her spaying and/or have 4 teeth extracted?
Not sure about the spay since it covers accidents and injury but if the teeth are a problem issue like gum inflammation or something like that, and the vet writes it up that way, they should cover the extractions. They've been very good about reimbursing us for injury and illness.
 

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Thanks SO much for that info. I'll have to do some research and see if we can get it covered. I think these 4 teeth that they want to extract are growing in the wrong way. It would be great to have at least some of that expense reimbursed. Fingers crossed.
 

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All three of mine are on Trupanion. No lifetime maximum, and they even cover hip dysplasia. You can also ask to get procedures pre-approved and prepaid so you only have to come up with the deductible.

All three of mine are also on a Banfield Wellness Pan that has saved me $3,000 to date.
 

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All the insurance companies for pet here in Canada really are bad. They dont even give you a discount on two dogs. I sell insurance for a living and believe in it, but not when they are so ambigious. I have been told to be aware from my vet about trupanion. there was an article about how they were really bad to this one guy. My vet also told me they gave hassles to the other clients he deals with. There is a plan called pet assure only available in the states. Theydo not care if your dog has pre exisiting conditions, they give you a card and you present it to the vet and thye give you a certain discount off the price of the medication,etc;........ looks pretty good but here in Ontario there is none of them I felt right with.
 

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When we first got our two dogs, we thought we would play it safe and have insurance on them even though everyone thought we were crazy. This was about 10 years ago. We paid about $30 a month for it. After a year we dropped it. It was not worth it to us. We figured it up and ended up losing money on it. Even though our younger dog got hurt and had to have xrays. You would have thought that it would have paid in this instance and for him it did, but over all we lost money between the two.
 

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I would loooove to get health insurance for my dogs. Unfortunately, I can't get my husband on board with it. He thinks it's unneccessary. Ugh! We had a miniature poodle/shih tzu mix that passed away 5 years ago at the age of 12. He had something going on, but all of his bloodwork was negative. The vet recommended an exploratory CT scan, which would have cost around $1700, & still might not be conclusive. At the time his troubles started, our little Trooper was around 10 yrs old & hubby just was not willing to spend the money, & I wasn't working at the time, so I wasn't bringing in any income. I hate it when I think back on all of it. And it makes me so mad that he STILL refuses to get insurance!
Did anyone else here successfully persuade their spouse to see the practicality of it? Because even after that, mine still doesn't. SMH! And with Cupcake being a mill dog, it's a chance I don't want to take. Especially because her legs are so bowed from being in a crate her whole life. I'm sure she'll have joint issues in her future :crying:
And not to mention, my mini schnauzer is almost 13, & Daisy is a BYB dog, so who knows what problems she may encounter...and off topic, I was in Petco the other day & they had all these different breed books, & I'm more convinced than ever that Daisy is a bichon mix. And I'm not sure anymore that she's even part maltese. I'll never know! But I still love her to bits, of course!
 

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I have only paid one petplan payment and Albert became diagnosed with IMHA disease his treatment so far has cost almost £4000 pounds and he is covered with it all !!! I am so so great full to petplan right now !!...
 

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I also want to encourage anyone who doesn’t yet have insurance to GET IT!

I have just paid $6,800 for Dakota’s slipped disc – we still have a follow up appointment with the surgeon to come, so I’m expecting the total cost to hit $7,000. Slipped discs can happen at any time, they can happen to a dog just sitting there minding their own business – they don’t even have to be running or jumping for this to happen.

I applied on Monday for insurance – Dakotas back wont be covered obviously, however, in 18 months time, I am able to have her checked over by the Dr who originally treated her, and then apply for a waiver. If my application for the waiver is approved, they will remove the ‘pre-existing condition’ from her policy.

I also need to get Harley covered before he turns 9 in April. He will then be given lifetime cover.

They also have a 6 month waiting period to be covered for crucial ligaments – but I can also have them checked over by our vet & apply to have that waiver removed from their policies – which I plan to do as they are almost due for their yearly check up anyway.

The insurance cost for both will be just under $80 per month, I co-pay 20% and have a $100 deductible for any claims. There is no way I could cover another $7,000 incident, and I am just so glad I was able to cover it this time!!
 

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We also got put Ace on petplan within a month of getting him. We choose the $100 deductible with 90 percent rembursment. It is $21 and some change a month. Well worth my piece of mind.
 

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I have Petplan, the same plan as Nida. Thankfully I have never had to use it. It was less than $200 for the year (it's about time for me to renew, not sure if it will go up or not). It's very important to sign up asap, BEFORE your dog is diagnosed with anything that could indicate a pre-existing condition. I know April had an issue with that. I think the peace of mind is so important. If anything ever happened and Steve racked up a huge vet bill, I would have a very difficult time with my husband about it (he's the breadwinner, and Steve is pretty much MY dog :). I know we'd end up paying for whatever he needed, but it would be tough, and not to mention would put a huge financial strain on our family. So for me, $200/year is a small price to pay so I never have to have that discussion!
 
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