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Hello everyone. I just started research on pet insurance and would appreciate thoughts from my SM family. I tend to be a sort of gambler in life and usually think insurance is a big scam. I can certainly afford afford my pups annual exam, blood work/titers, teeth cleaning. And if something horrible were to happen I can afford a big bill, not to say it wouldn't make me flinch. So I am wondering about "catastrophic" coverage, to help with a big bill in case it happens. Does anyone have any similar coverage? And if so, what company do you use and how much are the monthly/yearly payments? Thanks so much!
 

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I'm a PetPlan fan. They don't rule out hereditary health problems like many plans do so that's a biggie for me and very rare in most plans. I think I also just read that they aren't setting an age limit like others do too. I think the plan I have isn't for wellness visits but for things outside the ordinary. When Tyler fell/jumped and DH took him in for visit and ex-rays they did cover and were good about it. I researched a lot and I'm hitting my first anniversary with them.
 

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i think for disaster insurance it is important. i had a dog pass away from gme and it was incredibly expensive. im not sure it would have been covered, but i have aspca insurance for dex.
sue- did you like petplan better? i didnt research that one.. the premiums are very similar
 

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i think for disaster insurance it is important. i had a dog pass away from gme and it was incredibly expensive. im not sure it would have been covered, but i have aspca insurance for dex.
sue- did you like petplan better? i didnt research that one.. the premiums are very similar
Yup, Meri, I did compare them. The best part was no barring of things that are hereditary issues like LP, liver shunt, etc. that are common to a breed. I too worry about the big ticket items and catastrophic vs. the wellness check ups. They've been very responsive on the phone as well to any questions. There's some independent comparison of the different plans too I think that gave it high marks.
 

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I also have Petplan for Bailey...I did a TON of research and liked it the best because of the reasons Sue already mentioned. Also, it was important to me that if Bailey had something happen to him one year, then the next year that wouldn't be considered a pre-existing condition and excluded from coverage. A lot of plans won't cover pre-existing conditions...even if that condition happened while you were insured with them...when you go to renew your plan at the end of the year, anything that happened that year would be marked as pre-existing and not covered fully the next plan year. It's been a while since I did the research so I could have the facts wrong...but I do remember thinking that Petplan was the best deal out of the bunch. I haven't had to use it yet, thankfully, but it's a comfort knowing that if something were to happen, I have insurance for Bailey. Also, since he was a rescue and a mixed breed, my monthly payment is very low...it's something like 3 times more expensive if you have purebred.

I really wish I had gotten insurance for my cat too because I have spent a couple of thousand on just tests and meds for him in the past couple of weeks...and we havent even gotten to a diagnosis yet.
 

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I also have Pet Plan. I got the emergency plan. I haven't had to use it yet thank goodness. I also got the same plan for my cat. I got a discount because they are both microchipped. Between the two of them, it is $238 a year. I just pay it all at once using autopay, instead of paying monthly.
 

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I also have Petplan - like Bailey's Mom I did the research and found it to be the best. He's in his third year with it and it's gone up quite a bit since then. I think it was $220 when I started and now it's up to $300. That's with the highest coverage and a $200 deductible and 0% copay. If it keeps going up at this rate I'm going to have to get a lower coverage level, which is fine you really don't need $20,000 a year anyway I just opted for the gold plan since it had the little extras with it and wasn't that much more when I signed up. But you do get up to a 10% discount just by doing it online (although I set up one for a friend over the phone and they still applied that discount) and having them microchipped. Also, something I didn't find out until this year is that if you opt for the annual payment instead of monthly you get a discount as well. (Sadly my $300 is with all these discounts applied LOL)
There is fine print - stuff like the deductible is per incident, per policy period, and if you go to an emergency vet it's an automatic 30% copay added to whatever your copay already is.
Mine has already completely paid for itself though and it wasn't even with anything big - a regular dental and xrays but it was with a dentistry fellow so it was quite expensive, and now the stuff with his broken foot. They cover alternative care too so the herbals and homeopathy I'm getting for him in relation to that should be covered too.
 

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If I really needed emergency coverage I would get CareCredit and keep putting away in savings each month. Call me a skeptic but I've seen my clients get taken around the block by pet insurance. The only really positive reviews I've had is for Cancer Coverage.
 

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There isn't a vet around my house that takes insurance. I think you need to make sure that the vet you would like to go to would take it. The best insurance in the world won't help if no one takes it.
 

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There isn't a vet around my house that takes insurance. I think you need to make sure that the vet you would like to go to would take it. The best insurance in the world won't help if no one takes it.
It's not like human insurance. The vets do not take the plan. There are no contracted providers like PPO's or HMO's. You pay up front and the vet fills out your claim. You submit and get reimbursed for your costs (to the limit of the policy). I have and am so glad I do. Lola was diagnosed with GME last Nov. This has been extremely expensive, and the insurace has reimbursed everything up to 80% to date. My policy has a $13,000/year cap. I think you need to ask yourselves, can I afford a really large vet bill in your life? I would not have been able to afford the care I have recieved for Lola w/o this life line. Vets now perform MRI's, and other complex procedures and these are not cheap. Can you afford a specialist if your dog need one? I think most people would be hard pressed in the current economy. Insurance is a big plus.
 
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