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Re: Pet Insurance, VPI Ect.

Posted: Tue Jul 07, 2009 10:40 pm
by Nickdawg
PinKster wrote:So PetPlan doesn't cover anything preventive?

Exams, vaccinations, ect?

Petplan policies provide the most comprehensive reimbursement for veterinary fees relating to treatment administered by a licensed veterinarian for illness or injury (provided that it is not pre-existing or occurred during a waiting period) such as:
•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



If I recall there were plans that did cover yearly shots etc. but I found the premiums too high... not a good value.

Of note the select illness category did get into this somewhat - e.g. one of the select illnesses was arthritis and covered alternative treatments such as accupunture and others... at that time the coverage for each select illness was $2000 for lifetime with a one time deductable (100?) for each.

Re: Pet Insurance, VPI Ect.

Posted: Tue Jul 07, 2009 11:45 pm
by Nickdawg
hmmm, Petplan in Canada is now called Petsecure and has been re-vamped in terms of how it is org'd ....

http://www.petsecure.com/pet_insurance_ ... rance.aspx

Re: Pet Insurance, VPI Ect.

Posted: Wed Jul 08, 2009 12:05 am
by starrlamia
I think putting money into an account is a better investment personally, esp if you dont suspect your dog will develop illness (ie if you got it from a breeder knowing the health in the lines, hd, etc etc etc)
In canada there is also pc pet insurance which is reasonably priced, if your dog is a mix it is worth playing with the breed you put in cause my rates quoted were higher for a bulldog cross then a boston terrier cross or unknown breed (no place recognizes the OBB yet...)

Re: Pet Insurance, VPI Ect.

Posted: Wed Jul 08, 2009 5:44 pm
by PinKster
Hmm I guess they don't cover preventive care :sad:


Why doesn't Petplan cover Routine Care?

Routine care is as much a part of keeping your pet healthy as taking your dog for a walk. Annual check-ups or vaccinations can easily be planned and budgeted for, whereas an unexpected accident or illness can leave you reeling with prohibitively expensive veterinary bills. This is why Petplan doesn't cover routine care. Insurance for scheduled treatment inflates premiums and represents poor value for money - often at the expense of coverage for the unexpected where it matters most. To find out more about Petplan's unprecedented levels of cover for the unexpected click here.

Re: Pet Insurance, VPI Ect.

Posted: Wed Sep 09, 2009 8:09 pm
by Angela Adams
I vote for pet plan www.gopetplan.com Just had to send in a claim for Max and I got reimbursed after my $200 deductible. :thumbsup:

Pet Insurance

Posted: Mon Sep 21, 2009 9:59 am
by IloveBlu
What kind and how is it? I'm looking at VPI for Blu. Any experiences?

Re: Pet Insurance

Posted: Wed Oct 14, 2009 11:07 pm
by Siberian
I just got a letter from VPI that my insurance was canceled.... I wanted to enroll into different one anyway, so off I went researching...

Did you guys know that Petplan charges more for APBT's?
Almost by $20.

Re: Pet Insurance

Posted: Tue Oct 27, 2009 9:25 pm
by Amie
Did you ask them why, and if there are other breeds that are charged higher rates? If it was because they're more likely to have knee problems (and they charge more for GSDs because of dysplasia, or something like that) I wouldn't mind. I mean, I'd still mind, but I wouldn't find it criminal.

Re: Pet Insurance

Posted: Tue Oct 27, 2009 10:16 pm
by Siberian
Yeah, it might have to do with breeds health potential.
for a 5 year old dog:
GSD: $37.54
Staffy Bull: $28.19
APBT: 37.54
American mastiff of 5 years old would not get insured
Akita 33.80
American bulldog of 5 years old would not get insured
American cocker: 37.50

Re: Pet Insurance

Posted: Thu Nov 12, 2009 4:36 pm
by heartbullies
I just signed up Booker for PetPlan instead of VPI. Not entirely sure why, but I did.

I am trying to figure out if PetPlan has the same 12-month "wait" before they will cover any CCL injuries, like VPI does? I mean, I'm hoping Booker doesn't blow a knee in the next year or twelve, but just in case.

I'm poring over the materials they sent me but can't find that information.

Re: Pet Insurance

Posted: Wed Nov 25, 2009 12:50 am
by addieNmel
heartbullies wrote:I just signed up Booker for PetPlan instead of VPI. Not entirely sure why, but I did.

I am trying to figure out if PetPlan has the same 12-month "wait" before they will cover any CCL injuries, like VPI does? I mean, I'm hoping Booker doesn't blow a knee in the next year or twelve, but just in case.

I'm poring over the materials they sent me but can't find that information.


As far as I can tell they don't. Check out
http://www.pet-insurance-university.com ... rance.html

Let me know if you think its worth it. I'm thinking of starting my puppy on it. I see they do charge more for APBT than some other breeds. Do you know ( I suppose I could e-mail) if they would charge me the APBT rate since my puppy is listed as a pit bull mix by our vet? I dont think they would have a problem changing it to mixed breed.. because she is ( dad was certainly a mutt! ;) )

Re: Pet Insurance

Posted: Wed Nov 25, 2009 1:06 pm
by Siberian
I was deciding petween petplan and trupanion.
There was some pros and cons for both. For example, it appealed to me that petplan covers holistic and alternative medicines, while trupanion does not. BUT, and it seems like a major drawback to me, your payment to petplan increases with every year your dog grows older. Trupanion stays with the original amount for life. So, I went with Trupanion.

Re: Pet Insurance

Posted: Wed Nov 25, 2009 1:43 pm
by GusBus
Does anyone know if your dog has had previous injuries does it make it harder to get approved for insurance or the premiums higher? For example, Gus has had exploratory surgery for an intestinal blockage, would this affect him getting insured or rates?

Re: Pet Insurance

Posted: Wed Nov 25, 2009 2:02 pm
by Siberian
You should call the insurance. I spend good chunk of time with all of them on the phone, grilling about questions. They were all very helpful. One question I had was about ear infections. Sheba had them in the past, and when I enrolled into VPI, they told me that they won't cover those (even though she didn't have an infection at a time). But I asked trupanion if they consider that preexisting condition, and they said no. So, you best bet is to call them :)

Re: Pet Insurance

Posted: Thu Dec 03, 2009 2:02 pm
by heartbullies
Siberian wrote:I was deciding petween petplan and trupanion.
There was some pros and cons for both. For example, it appealed to me that petplan covers holistic and alternative medicines, while trupanion does not. BUT, and it seems like a major drawback to me, your payment to petplan increases with every year your dog grows older. ...


THIS I did not know!!
Too late now. I suppose I can switch if needed.