What's the best pet insurance company?

jasonandburger said:

Hi everyone, I'm new and it's great to be here.

I'm thinking about getting pet insurance for my pug and Maltese after hearing all the horror stories about super expensive vet bills. I live in the U.S. and I was wondering if anyone has any recommendations? Thanks a bunch!

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I'm from Canada and I use Trupanion. When I first got insurance i didn't really have an options here but i am very satisfied with them. Hopefully someone from the US will chime in here too. Welcome to SM.

pippersmom said:

I'm from Canada and I use Trupanion. When I first got insurance i didn't really have an options here but i am very satisfied with them. Hopefully someone from the US will chime in here too. Welcome to SM.

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Thanks for your input. I looked into Trupanion as well, their rates are higher than most of the other providers but they have unlimited payout and 90% coverage on all of their plans. The other thing that's debatable is there per condition deductible... but some people like it because even though you have to pay the deductible every time there is a new condition, but the deductible is considered lifetime for the condition you've already filed claim for.

jasonandburger said:

Thanks for your input. I looked into Trupanion as well, their rates are higher than most of the other providers but they have unlimited payout and 90% coverage on all of their plans. The other thing that's debatable is there per condition deductible... but some people like it because even though you have to pay the deductible every time there is a new condition, but the deductible is considered lifetime for the condition you've already filed claim for.

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The per condition worked out ok for me because many years ago Pipper had bladder stones with a $3,000 surgery. Ever since then he gets a urinalysis and bladder x-rays done 2 times a year to monitor him to make sure no more stones are forming. He also has hypothyroidism and needs medication and bloodwork done every year so in my situation this has worked out fine. It all depends on the situation but it turns out that over the years they have reimbursed me more than what I have paid in.

It is hard to say which is best. I have healthy paws right now, but I had petplan. Petplan offers a lot of discounts,for example I got a discount from work and one for being an AARP member (maybe AAA can't remember). I had some issues with what they thought to be pre-existing conditions, but when Luck passed away and they discovered it was cancer, the covered the final hospitalization.

wkomorow said:

It is hard to say which is best. I have healthy paws right now, but I had petplan. Petplan offers a lot of discounts,for example I got a discount from work and one for being an AARP member (maybe AAA can't remember). I had some issues with what they thought to be pre-existing conditions, but when Luck passed away and they discovered it was cancer, the covered the final hospitalization.

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Thanks for sharing your experience and sorry to hear about Luck's passing. I'm glad to hear Petplan worked out for you, Ive been reading some reviews about them and most people seem to have a really bad experience with Petplan.

Yah not really all that happy with Pet Plan right now. My dog has to have a small procedure done. Its going to cost about 600. Just the deductible is 250 (which is the lowest i believe), then you have to pay a 10% coinsurance. And after that i will only get 90% back which is the highest reimbursement rate. It's only worth it if you have already have a few thousand up front to pay for the surgery, because then you'll get a good amount of it back.

Im not longer in a position where i have the money up front so i think im going to switch to trupanion. Its three or four times as expensive but they apparently work directly with the vet and you don't have to wait to file a claim.

I have had PetPlan since Tyler was a puppy. They've been phenomenal with our claims. For a few years we had some accidents and procedures that they covered. I didn't like that it was per accident or disease and you'd have to pay the deductible each time at the start of one. Well they changed that now. Sadly my plan is grandfathered in and I can't change that but they have reimbursed me thousands of dollars a year since my guy was diagnosed with a seizure disorder. They pay 80% of any vet and neuro visits, quarterly blood tests and all meds, and his meds are $300 a month! They've been covering it since 2014.

Snowbody said:

I have had PetPlan since Tyler was a puppy. They've been phenomenal with our claims. For a few years we had some accidents and procedures that they covered. I didn't like that it was per accident or disease and you'd have to pay the deductible each time at the start of one. Well they changed that now. Sadly my plan is grandfathered in and I can't change that but they have reimbursed me thousands of dollars a year since my guy was diagnosed with a seizure disorder. They pay 80% of any vet and neuro visits, quarterly blood tests and all meds, and his meds are $300 a month! They've been covering it since 2014.

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I have rescued a beautiful baby girl named Stella. I've had her for about 2 years and guess that she's around 3 years old. I have Trupanion (live in CA) and initially was frustrated at their coverage-no spay, basic health, etc.. The vet said it was good that I have insurance as her knees pop a bit and may give her trouble as she ages. I was frustrated that my premium went up after one year and wonder if that will be a 'thing', but am somewhat heartened by everyone's stories about coverage and hope that if I ever need it, it will be helpful!

HealthyPaws Pet Insurance https://healthypawspetinsurance.com. We have to toy breed Maltese dogs. My wife actually select a customized plan where it only covers major event, and not the regular preventive check up and health exam and testing. Our Porkchop recently had a tumor surgically removed the plan covers all of the expensive fees associated with the entire process. Some examples: CT Scan Surgery $2900, radiation therapy $7500, etc. They reimbursed around 75-80%+ of these major expenses. They do have a policy regarding existing conditions so I recommend you to call and talk to a representative for full detail to help you select the customized plan that fit your financial budget. We pay $122.33 monthly for both pets.

jasonandburger said:

Hi everyone, I'm new and it's great to be here.

I'm thinking about getting pet insurance for my pug and Maltese after hearing all the horror stories about super expensive vet bills. I live in the U.S. and I was wondering if anyone has any recommendations? Thanks a bunch!

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Trupanion are great. I've know people who have had amazing experiences with them. They're in Canada and US. PHI Direct offer good low cost coverage in Canada. I've heard people say good things about Healthy Paws too. Good luck with your choice! They all seems to do things a little differently..

jasonandburger said:

Hi everyone, I'm new and it's great to be here.

I'm thinking about getting pet insurance for my pug and Maltese after hearing all the horror stories about super expensive vet bills. I live in the U.S. and I was wondering if anyone has any recommendations? Thanks a bunch!

Click to expand...

Hi! I just adopted a rescue Maltese, 4 years old. Would you mind sharing which pet insurance you ended up getting and your experience with the coverage and overall experience with the company and with paying claims? I've looked at so many and it can be confusing and frustrating! Many do not cover patella issues or ACL surgery which is important with Maltese. Thank you!