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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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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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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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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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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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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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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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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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Yes its a tough decision and a gamble.....
sorta like the stock market or 401K!!
At least people are being pro active and
getting info to try to make the right choice.

I have a question.
Do the chis have to have a health certificate
or pass a physical to get the ins??
How does it work?? Petplan Ins Com??
How do they determine or monitor who qualifys??
 

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I had pet insurance for 1 year, its smarter to just put money in a savings account every month thats what I do now I just threw away that money I gave to the pet insurance that year plus i had all those claim forms not worth it at all.
Cathy
 

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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.
Definitely check out those clauses for sure. Congenitally pre-disposed isn't the same as pre-existing condition. So, at least for Pet Plan, as long as the dog hasn't been treated for it in the past, it is covered. I had asked about Maya having hydrocephalus and even though that can be a common (relatively) thing for chihuahuas, it was covered because she has never had an issue before.
 

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How do they qualify the pet?
i can only speak for Pet Plan as that's all I've had. But you answer questions and then you are covered from that day with a small waiting period. When you file a claim, you submit the health records (well, the vet does) and that would determine if the dog has been treated for that disease in the past.
 

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Yes thanks for this info.
I have bought Nupro-glucosamine/Chondriatin-and salmon oil for Dahlia.
Im hoping that she does not worsen from grade 2
if we keep this regimen and use common sense IE
keep her off furniture and I hear tile floors are not good
either as they slip around more.That worrys me as I have
a wood kitchen floor where she stays most of the time.:(
 

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What insurance do you have? Pet Plan

What is the Copay? I chose $200, covered at 100% thereafter.

Are pre-existing/congenital problems covered? Petplan covers all hereditary and congenital conditions, so long as clinical signs were not present prior to the commencement of the policy or during the waiting periods.

Do you pay up front and are reimbursed or do you pay the deductible and they pay your vet? Reimbursed.

What do you pay per month? $22 to 25 a month per pup for Gold Plan, all 4 are covered.

What is covered? Vaccines? Dentals etc?

Petplan policies cover veterinary fees relating to any illness or injury including hospitalization, referrals and prescriptions. Depending on the type of policy that you select we can also pay for advertising and reward if your pet goes missing, boarding fees if you're hospitalized for more than four days and compensation if you lose your pet through straying, illness or injury.

Veterinary Fees Any treatment administered by a licensed veterinarian for illness or injury, including: hospitalization, diagnostic testing, surgery, referrals, prescription medications, complementary medicines and alternative therapy

Alternative Therapies: The terms “alternative” or “complementary” are used to refer to non-traditional methods of diagnosing, preventing, or treating illnesses or injuries including acupuncture and chiropractic treatment.

Petplan realizes that sometimes conventional treatments may not be enough so we also cover alternative therapies if your veterinarian believes that such treatment is in your pet's best interest, providing they are carried out by a licensed veterinarian.

Boarding Kennel and Cattery Fees: The reasonable costs of boarding your pet at a licensed kennel or cattery, or for the cost of someone who does not live with you to look after your pet, if you are in the hospital for more than four days.

Advertising and Reward: The cost of advertising or offering a reward if your pet is stolen, or strays during the policy period. Loss due to Theft or Straying The price you paid for your pet if it is stolen or goes missing during the policy period and is not recovered or does not return.

Death from Illness or Injury: The price you paid for your pet, if it dies or has to be put to sleep by a veterinarian during the policy period, as a result of an injury or illness.

Vacation Cancellation: Any travel and accommodation expenses you cannot recover if you have to cancel or cut short a vacation (booked at least 28 days before you go) during the policy period because your pet is injured, or shows the first signs of an illness while you are away and as a result, requires immediate life-saving veterinary treatment.

No routine care that I know of, and only non-routine dental.


Do they have a multi-pet discount? Yes. 10% off each one after the first, I think.

Petplan policyholders can take advantage of a variety of additional discounts, including discounts for online enrollment, multiple pets, micro-chipped pets, veterinary staff and students, and medical services pets. In addition, Petplan offers discounts to certain strategic partners and through employee benefit plans.

Would you recommend your insurance company? Yes

How long have you had insurance on your pet(s)? All 4 insured as soon as they came home.

I had VPI when Lexie & Chance were younger, before Gia & Jade came along. But switched. I don't recommend VPI.
 

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But if its present in 75% of all chis
is that "clinical"??
Im having trouble with the "legal" terminology.

Well I dont think Ill get it.
You have to pay the vet up front
and then file a claim for reinbursement.
Hay if I had $3000-$4000 stashed to pay
the vet it wouldnt be a concern!!
Bring on the glucosamine again!!!!!!
 

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But if its present in 75% of all chis
is that "clinical"??
Im having trouble with the "legal" terminology.

Well I dont thnk Ill get it.
You have to pay the vet up front
and then file a claim for reinbursement.
Hay if I had $3000-$4000 stashed to pay
the vet it wouldnt be a concern!!
Bring on the glucosamine again!!!!!!
I've honestly never seen nor heard that percentage before, kind of sounds like your vet possibly might have pulled it out of the air?

As far as my pack goes, 12.5% have injury related LP, (aka one of 8 rear legs out of all 4 of my dogs lol), the other 3 are all healthy as horses no signs of LP, same w/ her prior to her injury. I would say maybe 1/4 of the chis on here have some form of it or have been treated for it in the past. That is IMO a high estimate.

At this point because you have a vet that has diagnosed LP on paper for Dahlia, insurance won't cover it, but it would cover other injuries, illnesses, etc. since LP is pretty much the most expensive thing a chi owner likely will have to deal with, I agree that stashing $$ away is probably the way to go for you at this point:)
 

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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.
Tricia, I also believe that because Maya passed while covered, her purchase price should be part of your reimbursement...I'd check on that. Not that you want to rob the bank on this or anything, but it certainly will help incase in a few months you decide you'd like to find another little one, or perhaps just to insure Peach.
 
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