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greenfreak
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Member since 9/06 11483 total posts
Name:
greenfreak
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Pet insurance...
I'm thinking about it. Routine care on mundane things has cost me hundreds at the vet - which I don't mind at all, it comes with the territory - but I'm looking toward the future. Our dog's breed in particular comes with some common problems - eye problems, elbow and hip dysplasia to name a few.
In doing some preliminary looking, I found out some companies require you to sign up in their first year.
If you have insurance, would you mind sharing the particulars - # of pets covered, premiums, coverage, exclusions, if you've used it and had any problems?
Thanks. 
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Posted 12/10/08 7:33 AM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
zoe282
We have our miracle!
Member since 8/08 3634 total posts
Name:
Jen
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Re: Pet insurance...
I use VPI pet insurance. I don't believe you need to buy it w/in the first year. All my friends use this company too. It has been great and I get my refund in a timely manner. I pay $30 per month, my dog is little though and I got it right away. But it covers a good amount. I highly recommend insurance. For me it was knowing that she was covered if anything major hjappend. I would hate not to be able to do a procedure due to $$$$
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| Posted 12/10/08 10:53 AM |
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mikeandjess
LIF Adult
Member since 10/07 2278 total posts
Name:
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Re: Pet insurance...
Posted by zoe282
I use VPI pet insurance. I don't believe you need to buy it w/in the first year. All my friends use this company too. It has been great and I get my refund in a timely manner. I pay $30 per month, my dog is little though and I got it right away. But it covers a good amount. I highly recommend insurance. For me it was knowing that she was covered if anything major hjappend. I would hate not to be able to do a procedure due to $$$$
I have VPI also. I think you can buy it after the first year but the monthly premium will be a little higher. I pay around $30 a month.
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| Posted 12/10/08 10:58 AM |
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kdanik
LIF Infant
Member since 7/07 148 total posts
Name:
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Re: Pet insurance...
I have VPI too! Its great and my Vet also gives us 10% off for having VPI.
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| Posted 12/10/08 11:01 AM |
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timanda
Puppy Love
Member since 6/08 1627 total posts
Name:
Amanda
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Re: Pet insurance...
I have VPI. I got it as soon as I got my puppy. She is 3 and a half and I pay about $35 per month and that includes routine coverage - which they are great about reimbursing!
HOWEVER...I have a yorkie and she tore something like a ligament in her knee and they did NOT cover her $2500 surgery because they said that type of injury is very common for those dogs and therefore kind of like a "pre-existing condition".
So if your type of breed is pre disposed to certain things make sure you find out first if those would even be covered!
Either way its worth it for vaccines and check ups, bloodwork, etc
HTH 
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| Posted 12/10/08 11:02 AM |
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Bellaocchi
Hope Faith Love
Member since 2/07 5694 total posts
Name:
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Re: Pet insurance...
I too have VPI for my two dogs
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| Posted 12/10/08 3:49 PM |
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kdanik
LIF Infant
Member since 7/07 148 total posts
Name:
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Re: Pet insurance...
Posted by timanda
HOWEVER...I have a yorkie and she tore something like a ligament in her knee and they did NOT cover her $2500 surgery because they said that type of injury is very common for those dogs and therefore kind of like a "pre-existing condition".
So if your type of breed is pre disposed to certain things make sure you find out first if those would even be covered!
HTH
I have a yorkie too and needed to get surgery for a Luxating (sp?) Patella (dislocation of his knee) and this was NOT covered by the insurance because its considered "pre-existing"....i was a tad bit p'od about that! The surgery was so expensive!!!
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| Posted 12/10/08 10:06 PM |
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timanda
Puppy Love
Member since 6/08 1627 total posts
Name:
Amanda
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Re: Pet insurance...
Posted by kdanik
Posted by timanda
HOWEVER...I have a yorkie and she tore something like a ligament in her knee and they did NOT cover her $2500 surgery because they said that type of injury is very common for those dogs and therefore kind of like a "pre-existing condition".
So if your type of breed is pre disposed to certain things make sure you find out first if those would even be covered!
HTH
I have a yorkie too and needed to get surgery for a Luxating (sp?) Patella (dislocation of his knee) and this was NOT covered by the insurance because its considered "pre-existing"....i was a tad bit p'od about that! The surgery was so expensive!!!
Thats what it was!! I forgot the name. But I can remember the amount of the surgery. That is burned into my brain. I had no idea that things like that wouldn't be covered.
To the OP, this is why I would definitely suggest looking into your specific breed and finding out what they don't cover for your breed. It might still be worth it, but at least know ahead of time JIC.
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| Posted 12/11/08 12:17 AM |
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greenfreak
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Member since 9/06 11483 total posts
Name:
greenfreak
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Re: Pet insurance...
Thanks very much everyone, I appreciate everything you've said! I'm going to check out:
Petsbest
AKC pet health (petshealth)
VPI superior
Trupanion
Petplan
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| Posted 12/12/08 9:49 AM |
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LadyPrincess
Live Life with No Regrets
Member since 5/05 2298 total posts
Name:
Chris
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Re: Pet insurance...
may also look at ASCPA
they offer ins. also
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| Posted 12/12/08 2:29 PM |
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MrsRJP
Happy Spring!!!
Member since 12/07 2151 total posts
Name:
Rena Marie
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Re: Pet insurance...
I have AKC Health insurance which is only for AKC certified dogs. We love this insurance.
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| Posted 12/14/08 9:03 PM |
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