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  #1  
Old 10-14-2010, 05:53 PM
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Default Pet Insurance

Since I work for my dad and he gives me a nice discount for my critters, vet bills haven't really been a problem, but he's beyond the point of age of retirement (he's 67) so it's something I'm going to have to start considering especially with Zoey's issues. So I was considering either starting a savings account and putting so much in each month or getting insurance. So have a few questions. We have very few clients who actually have insurance on their pets.
What insurance do you have?
What is the Copay?
Are pre-existing/congenital problems covered?
Do you pay up front and are reimbursed or do you pay the deductible and they pay your vet?
What do you pay per month?
What is covered? Vaccines? Dentals etc?
Do they have a multi-pet discount? I have 4 dogs, 5 cats
Would you recommend your insurance company?
How long have you had insurance on your pet(s)?
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  #2  
Old 10-14-2010, 06:07 PM
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Name: Nat (Stormchi Chihuahuas)
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We dont have pet insurance - I put money into an account every month instead incase they need anything. For Pippi I couldnt find anyone who would cover her (when I got her she had severe LP, heart problems and goodness knows what else off the top of my head) So I had no choice but to save for her - But I also have a vets who will let us pay in installments if we need to.

Honestly with this many pets its better for us this way
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  #3  
Old 10-14-2010, 06:09 PM
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Quote:
Originally Posted by cprcheetah View Post
Since I work for my dad and he gives me a nice discount for my critters, vet bills haven't really been a problem, but he's beyond the point of age of retirement (he's 67) so it's something I'm going to have to start considering especially with Zoey's issues. So I was considering either starting a savings account and putting so much in each month or getting insurance. So have a few questions. We have very few clients who actually have insurance on their pets.
What insurance do you have?
What is the Copay?
Are pre-existing/congenital problems covered?
Do you pay up front and are reimbursed or do you pay the deductible and they pay your vet?
What do you pay per month?
What is covered? Vaccines? Dentals etc?
Do they have a multi-pet discount? I have 4 dogs, 5 cats
Would you recommend your insurance company?
How long have you had insurance on your pet(s)?
What insurance do you have? we have Petplan.
What is the Copay? I did the $200 co-pay. It is $200 per INCIDENT, so, say with Oakley's leg issue, I am going to be responsible for that $200 only ONCE, not every time she goes to the vet, I then pay 20% of any remaining bills. For Bryco I got 10% instead of 20% and it was hardley more expensive, wish I'd done that for Oakley now. Trigger will be insured on my next paycheck.
Are pre-existing/congenital problems covered? I don't think so...TBH I got her insured awhile back just in case any surfaced, knowing they wouldn't cover them if they were pre-existing.
Do you pay up front and are reimbursed or do you pay the deductible and they pay your vet? I'm actually not sure on this one but I think I pay up front and they re-imburse. I definitely will be finding out soon lol.
What do you pay per month? Oakey's was $220/year, Bryco's was $260/year, no idea why the difference??
What is covered? Vaccines? Dentals etc? Accidents/Illnesses, Any non-pre-existing problem, non-routine tooth extraction.
Do they have a multi-pet discount? I have 4 dogs, 5 cats They say they do but...I don't believe it lol.
Would you recommend your insurance company? Eh...sure? It is what it is. I'm grateful we have it because of Oakley, but chances are good I'll never need it for either of the boys so its just $ out the window. We have a pet slush fund too, for any other problems or dogs we don't have covered. TBH I picked my two higher risk dogs and insured them first.
How long have you had insurance on your pet(s)? Oakley about 9 months, Bryco 1 month.
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  #4  
Old 10-14-2010, 06:21 PM
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I also have PetPlan. They have various options for coverage, but I have the bronze plan which is the basic one. It covers up to $8,000/year with $200 deductible per incident. You pay the vet first and then file a claim. I haven't filed yet but will be with Maya's illness and death. I did call the plan when I got to Kansas State University hospital to see what was covered. Not that I cared at that moment, but I had time to kill and thought I better know. I have to say that they were SO NICE it was very comforting. They were all business but with compassion as well and really gave me peace of mind that Maya would be covered and to focus on taking care of her. They also faxed the documents to the hospital so they could start working on the claim right away. They were wonderful. Bruiser isn't covered and Peach will be soon. It's a long story why one and not the other, but I am playing the odds and Bruiser is a much sturdier dog. He also is older and not inquisitive or anything. So the odds of him being injured are pretty low. Peach is more spunky and her odds of doing something are higher. And she is a puppy so cheaper to insure. I have money in the bank to take care of all of them but it was reassuring to have that plan while I was rushing Maya to the specialist because I had no idea what would be involved. As it is, with only one night there of treatment along with the local vet, I am already in for over $600.00.

So, It will be nice to get back all but 290.
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  #5  
Old 10-14-2010, 06:46 PM
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I am with the PDSA.
It works out about £39.50 a month for the 3 of them.
They dont do multi pet discounts sadly.
I have the full cover plan for up to 7000.
They pay the vet direct so you only have to pay the excess.
I also like the fact that 20% of my premium goes back into the charity, cause they dont get any goverment funding.
I havent had to make a claim, touch wood.
Have only been with them since i got the girls last year.

I also intend to start saving a little each month for the things they dont cover, like spay, neuter, dentals, vaccinations.
Anything else that may come up out the blue that they dont cover really.
They dont cover pre existing conditions, i dont think many companies do mind you. xx
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  #6  
Old 10-14-2010, 06:54 PM
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What insurance do you have? NFU
What is the Copay? £50 per incident
Do you pay up front and are reimbursed or do you pay the deductible and they pay your vet? NFU pay the vet direct minus the £50 excess
What is covered? Vaccines? Dentals etc? Everything you could think of, you are not covered for any incident prior to taking out the policy which goes for all insurance companies.
Do they have a multi-pet discount? Yes I insure my two horses and my Horse Trailer with them
Would you recommend your insurance company? Without a doubt, I was only insured 16 days with Jake when I put in a claim which eventually came to£3700. They paid in full with no problems, no time delay, no questions, nothing.
How long have you had insurance on your pet(s) Jake 8 months, my horses ...years, my Horse Trailer approx a year and Red I still need to arrange.

I would never use any other insurers, NUF are not the cheapest nor the dearest but for me they are the best. They are fantastic on the phone and give excellent customer service. I also have life cover for Jake so where some insurers will not pay out for an injury they have already settled a claim for NFU will as long as you take out that particular policy
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Last edited by Deme; 10-14-2010 at 06:59 PM.
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  #7  
Old 10-14-2010, 07:06 PM
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Yes they say "pre-existing conditions not covered".
But isnt LP a hereditary thing in most chis?
My vets says 75% have it but most dont need surgery.
Also the ins companys RE-INBURSE your expenses not cover them up front.
Make sure you check that clause out.
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  #8  
Old 10-14-2010, 07:06 PM
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Putting money aside rather than insure for me would have been a bad move what with my claim being £3700.

You could insure for years and never make a claim which would cost over time or you could start a savings account say putting £50 a month away then a few months later get hit with a huge 4 figure vet bill.

I prefer paying for insurance for peace of mind. I would hate my pet to be PTS just because I couldn't afford the vet bill.

Deme x
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