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DebAnders
12th June 2009, 04:35 PM
I have a newly adopted 4 year old Blenheim boy cavtiny in good health - no indication of heart issues or other medical problems in his past. I'm investigating health insurance for him to help defray some of the anticipated expenses we may encounter as he ages. I've looked at three plans: PetPlan, VPI, Embrace and Pet First. Have any of you had good or bad experiences with pet insurance and these providers?

stacy710
12th June 2009, 05:59 PM
Hi,
I have PetPlan for my three. I think it may be a little more expensive than some others (although I'm not sure) but everytime I have called or dealt with them in any way, they have been great! Very helpful.

hbmama
12th June 2009, 07:54 PM
We have Petplan, and they have been wonderful. (In the States.) In fact, the person who established the company has Cavaliers. They allow for any hereditary conditions (beware of VPI and some others who will disallow inherited types of conditions based on breed.) Of course, you would want to insure before you had any investigated any specific pre-existing health conditions.

Anyway, we have already made some large claims, including an MRI and Myringotomy for PSOM. All charges were promptly paid, minus our deductible, and I even got email updates from their company wanting to know if I was happy with their response to my claims, and showed concern as to know how my girl was doing. We may have to re visit some of these specialists, as symptoms are returning, possibly indicating SM. :( Anyway, I know that whatever my babies need, we will be able to care for them without a constant worry of mounting vet bills. We can easily take care of the usual expenses, but it is nice knowing that we will not be tens of thousands of dollars in debt down the road if things continue to happen.

harleyfarley
12th June 2009, 08:38 PM
we, (me, pauline and brian) have axa, i have only just joined them and about to test them out, pauline's dylan has sm and says they are brilliant, brian recommended them to pauline originally so he is obviously plesed with them, on that basis i plumped for them. di

tupup
12th June 2009, 08:58 PM
Ive signed Jelly Tots up with Axa too on brians advice:-)
If its good enough for Poppy,Daisy & Rosie then its good enough for Jelly!;)
Ruby is with PDSA & i had to keep her on that at renewal due to pre existing conditions. I stupidly had her on a lower cover to start with & have now increased that, altho her pre exists are only on the old lower amount which is still better than moving her to another where they wouldnt be covered at all (my how i wish id found this forum earlier!)
Im about to find out how good they are by putting in our 1st claim:xfngr:

Jasperxxgabby
12th June 2009, 09:05 PM
Jasper is with Petplan I have never made a claim, until now, I will let you know how good I'll find them. Gabby is with Axa, she as a pre existing condition which I know is exempt, I choosed Axa for her because of other members good views.

mellie
13th June 2009, 06:45 AM
I have Embrace Pet Insurance. I love them! They are so personable and caring. You receive an email from an actual person, not a mass generated one! They are very helpful on the phone, where you-once again get a HUMAN! Which these days isn't the norm! They also do not exclude genetic or breed specific issues. That is why I went with them. After all the research, they seemed to get the highest rating. There is a website that reviews pet insurance plans, www.petinsurancereview.com (http://www.petinsurancereview.com), that I found very helpful! Good luck!

meljoy
13th June 2009, 10:55 AM
We have Petprotect. We recently made a BIG claim when Leo was kept in hospital for 6 days then had an MRI. They paid up straight away.....no quibble.
They even sent me a letter to say it was all paid and they hoped Leo was feeling better. It was a personal touch but I really liked it:wggle:

Mel

Cathy T
13th June 2009, 04:00 PM
I have PetPlan and have been pleasantly surprised. The dogs had dentals back in February and the receptionist suggested filing a claim. I didn't think dentals were covered....and was astonished to receive a check for $900!!! One dog was covered and one wasn't (due to the amount of time lapsed since last dental) and found that extractions were covered.

brotymo
13th June 2009, 04:07 PM
I have Embrace and have had great experiences with them, including the huge emergency vet bill that we had when Pixie died.

DebAnders
14th June 2009, 07:24 AM
Thank you all for your stories and input. Based on your favorable experiences I did purchase an insurance policy for Henry with Pet Plan. Let's hope he never needs it :o

Karlin
14th June 2009, 10:50 AM
Just as an FYI, some companies only operate in certain countries, and countries with the same name can be entirely independently run and owned in different countries and will not have the same policies. This is the case for example with PetPlan -- it is originally a UK company and the US PetPlan is a wholly owned and *separate* franchise; the Canadian PetPlan is separate again. The Irish PetPlan has different policies than the UK PetPlan (though they are broadly similar).

So when looking for insurance, be sure to get information on the individual company in one's own country. :thmbsup:

I've been very happy with PetPlan in Ireland, which is currently owned by Allianz. I believe there's now a second company in the market but don't know anything about it.

Shivers
14th June 2009, 11:32 AM
The new irishcompany is petinsure.ie
I have my pair insured with them. I have not had any claims with them yet though so cant comment on that but if I ever do i'll let you know ;)

dandelos
4th August 2009, 12:24 AM
Everyone who posted seem to be proponents of getting insurance but I'm just curious, does anyone here advocate not getting pet insurance for cavs?

I.e., in the case of the average cavalier who doesn't suffer any major issues, would health insurance simply be an expensive luxury, or something that will most probably pay back itself over time?

chloe92us
4th August 2009, 02:22 AM
I have 3 Cavaliers and do not have insurance on any of them. I weighed the cost vs benefits, and in MOST cases it is a better investment not to get insurance. The reality is, though, you just never know what your dog's future health holds. That's what insurance is for, really; the unknown.

If you are someone who carries top-of-the-line health insurance on yourself and your family, then I would imagine you would want your pet insured. I am one of those who has the "bare bones" health insurance...the "just in case there's a real emergency" coverage. So I am more of a gambler.

When something does come up, however, it's always easier to say "do it" when you don't have to worry about how much it will cost. ;)

Mindysmom
4th August 2009, 02:55 AM
We also don't have insurance. When we got Max we thought seriously about the cost/vs. benefit and how much Mindy and our Golden had cost in vet bills (quite minimal) and decided against it. If one of the dogs does end up having a serious condition I may certainly regret the decision but it was a one that we put a lot of thought into.

Charlotte
4th August 2009, 11:14 AM
We have PetPlan, so far so good!

dandelos
4th August 2009, 06:11 PM
Thanks, Chloe and Mindy. I got a couple of online quotes from some US insurance companies. Looks like it'll be US$25-35 per month for the coverage I would get, if I were to get any. Wasn't able to get quotes from a couple of sites because the puppy's not 8 weeks yet (though I guess I could have just changed his birthdate to get a quote now that I think about it). More research to do sigh!

Sabby
4th August 2009, 10:22 PM
I must say that before I had my Cavaliers I had two dogs that werenít pedigrees and I had insurance for them. Back then I never even thought about life time cover and the insurance was basic and cheap. They both lived to a ripe old age of 15 and I never used my insurance. So this time round I wondered if I should bother about insurance, then I learned about all the problems cavaliers can encounter and thanks to this forum I thought that a cheap insurance wonít be enough and I choose the life time cover. And thank god I did as I found out that my Ebony has a heart murmur with the age of 2 Ĺ . The vet said that if it would be another breed having a heart murmur with 2 Ĺ he be worried but he said this is a cavalier, it is expected. Itís not costing me nothing at the moment but I know there will be the time where I need to spend the money and I am glad I can give her the best possible treatment there is because I donít have to worry about how much it going to cost me.
Everybody got their own opinion but I am glad I have got insurance.

shippers
4th August 2009, 10:49 PM
we, (me, pauline and brian) have axa, i have only just joined them and about to test them out, pauline's dylan has sm and says they are brilliant, brian recommended them to pauline originally so he is obviously plesed with them, on that basis i plumped for them. di


I too have AXA and they have been excellent. They paid out promptly for all Sally's costly cardiac investigations at Leahurst and have also been great to communicate with via post and on the telephone. I would definitely recommend this company to UK members.

Lani
5th August 2009, 12:04 AM
I have PetPlan. I know too many people who have had insurance and have had to file claims for several thousand dollars. I hope I never have to use it, but I am glad I have it, just in case ... I don't consider it a luxury at all, but a necessity with Cavaliers.

Jay
5th August 2009, 04:27 AM
I have a bank account that I refer to as "my doggie account". I put money in it every month. It is specifically for a catastophic incident that would cost thousands of dollars. It is a separate account and earmarked for the dogs, kind of a self-insurance plan. I pay for the day to day stuff, vet visits, teeth cleaning etc. from my regular checking account. I have had this account for many years now and it is pretty sizable now, but I realize that a really big problem could clean it out quickly. However, with four dogs of my own and my mom's dog, I think the insurance premiums would really cost me a bundle. I will probably start putting more money into the account as my dogs are now ranging in age from 5 to 8.
J.

harleyfarley
5th August 2009, 12:36 PM
Harley has been insured by churchill and axa and has his own bank account, if the insurance doesnt cover the bills thats what its for, like his scan it was 1,340.00 plus a bit i think so i paid that out of his account and if and when axa pay up it will go back in his account incase he needs it in the future. di

Poppy Ruby
6th August 2009, 10:54 AM
Poppy is with Pet Insure in Ireland. Thank godness for the insurance, to date i have paid Ä900 in vet fees and the insurance has covered it. Slightly different to the Allianz plan in that you pay directly to vet and reclaim from the insurance yourself. Totally worth it only Ä160 pa, not sure what it will go up to next year because of the claims.

DZee
16th June 2012, 07:34 PM
Looking into Pet insurance for Wrigley. All his tests have came back that he is in excellent health. He just turned 8 mo. old. I see many of you use PetPlan. Iam curious..what does the monthly premium usually cost?...can I ask?
I also read a post where Jay set up a seperate savings account specifically for his dog...in case of health care. I like that idea too. Not sure which would be the best way to go. Any thoughts?

ashleighelizabeth
16th June 2012, 09:54 PM
Looking into Pet insurance for Wrigley. All his tests have came back that he is in excellent health. He just turned 8 mo. old. I see many of you use PetPlan. Iam curious..what does the monthly premium usually cost?...can I ask?
I also read a post where a seperate savings account is set up specifically for her dog...in case of health care. I like that idea too. Not sure which would be the best way to go. Any thoughts?

Diane,

I recently got Pet Plan for Sonny and it depends what plan you get (gold, silver, bronze) and what deductible. I ended up getting the bronze plan and a high deductible because I was really getting it to cover the major stuff not the routine stuff. I believe we pay $36.00. It is really easy to call and get a quote from them. Sonny's brother just got insured by Trupanion and they are really happy with that insurance, but I believe they pay more.

DZee
16th June 2012, 09:55 PM
Diane,

I recently got Pet Plan for Sonny and it depends what plan you get (gold, silver, bronze) and what deductible. I ended up getting the bronze plan and a high deductible because I was really getting it to cover the major stuff not the routine stuff. I believe we pay $36.00. It is really easy to call and get a quote from them. Sonny's brother just got insured by Trupanion and they are really happy with that insurance, but I believe they pay more.

Ok..good to know..thank you * I will be checking it out !! :)

dandelos
17th June 2012, 03:58 AM
Bronze plan here as well, $200 deductible and 100% reimbursement = $413 annual premium

This is our second year with the policy...last year our premium was $330 but they sent a notification saying it was going up. Not sure if it was due to inflation or the fact that we had a (successful) $800 claim. Also, we live in Cali and Skippy just turned 3.

Hope the above helps.

DZee
17th June 2012, 04:50 AM
Thank you all for the great info. I talked to my husband about all this. He seems to think maybe our best bet would be to set up a specific savings account ( that we do not touch) just in case we would happen to need it for any health related issues for Wrigley.
Since he is still young @ only 8 mo.'s...and he is healthy..hoping we will have plenty of time to put money aside.
I know what all the statistics are....just praying that maybe Wrigley will be in the small percentage that live out a long healthy life w/o any real problems. I love this little guy so very much !!

ashleighelizabeth
17th June 2012, 04:58 PM
Hi Diane,

I definitely think everyone has to make their own decision about insurance, putting money aside or ect. However I wanted to share with you what just happened to Sonny's sister. (I keep in contact with a couple of the owners of his siblings, so we chat frequently about our puppies growth, health, behavior and share pictures of course :)) Anyways, Sonny's sister hadn't been having any health problems and then roughly three weeks ago she started limping and yelping. They immediately took her to the vet and diagnosed her with two luxating patellas. She now is scheduled to have two surgeries consecutively with the first one on Monday and I think it is going to be about 5,000 dollars. Her owners had no reason to think that his sister was going to have any big medical stuff any time soon. She is still very young, she turns 1 on Tuesday and to this point has always had healthy check ups at the vet.

I struggled with saying something because I absolutely think you and your husband should do what is right for you guys and Wrigley which may be putting money aside, but I just wanted to let you know the situation his sister ended up in. His sister was insured, but her owners now have found out that the plan they chose does not cover patellas, so they are stuck with the bill.

Again, I'm not telling you this so that you change your mind and get him insured, I just wanted you to know the financial pickle that her owners found themselves in when they were least expecting it since she appeared to be a healthy 11 month old puppy.

Good Luck and I hope little Wrigley lives a long healthy life with out any big problems. :lotsaluv:



Thank you all for the great info. I talked to my husband about all this. He seems to think maybe our best bet would be to set up a specific savings account ( that we do not touch) just in case we would happen to need it for any health related issues for Wrigley.
Since he is still young @ only 8 mo.'s...and he is healthy..hoping we will have plenty of time to put money aside.
I know what all the statistics are....just praying that maybe Wrigley will be in the small percentage that live out a long healthy life w/o any real problems. I love this little guy so very much !!

anniemac
17th June 2012, 05:44 PM
I took an insurance class and we asked our teacher about pet insurance. He mentioned a health savings account and pet insurance is not worth it. That said, I have pet insurance and feel good about my decision.

DZee
18th June 2012, 02:27 AM
Hi Diane,

I definitely think everyone has to make their own decision about insurance, putting money aside or ect. However I wanted to share with you what just happened to Sonny's sister. (I keep in contact with a couple of the owners of his siblings, so we chat frequently about our puppies growth, health, behavior and share pictures of course :)) Anyways, Sonny's sister hadn't been having any health problems and then roughly three weeks ago she started limping and yelping. They immediately took her to the vet and diagnosed her with two luxating patellas. She now is scheduled to have two surgeries consecutively with the first one on Monday and I think it is going to be about 5,000 dollars. Her owners had no reason to think that his sister was going to have any big medical stuff any time soon. She is still very young, she turns 1 on Tuesday and to this point has always had healthy check ups at the vet.

I struggled with saying something because I absolutely think you and your husband should do what is right for you guys and Wrigley which may be putting money aside, but I just wanted to let you know the situation his sister ended up in. His sister was insured, but her owners now have found out that the plan they chose does not cover patellas, so they are stuck with the bill.

Again, I'm not telling you this so that you change your mind and get him insured, I just wanted you to know the financial pickle that her owners found themselves in when they were least expecting it since she appeared to be a healthy 11 month old puppy.

Good Luck and I hope little Wrigley lives a long healthy life with out any big problems. :lotsaluv:

Wow.. I have to say..sometimes this all just freaks me out & makes me worry. :( I never want anything to be wrong w/ Wrigley...and the more I read..seems so many Cavaliers end up w/ problems. As much as we want to be prepared for the "what if's"...I honestly do not know what the right decision should be.

ashleighelizabeth
18th June 2012, 04:14 AM
I'm sorry, I didn't tell you that to make you worry. I just felt like I should share since his sister's owners were really taken by surprise and weren't expecting such a large medical expense at this point in her life.

I didn't realize all of the problems that cavaliers have either. :( I frequently worry about Sonny's health and get nervous that he is in pain, discomfort or is showing symptoms of some disease. I also tend to obsess and fixate on things, so I am trying really hard to balance being aware of possible health risks but also to just enjoy Sonny and try to do the best I can with him.

DZee
18th June 2012, 04:48 AM
I'm sorry, I didn't tell you that to make you worry. I just felt like I should share since his sister's owners were really taken by surprise and weren't expecting such a large medical expense at this point in her life.

I didn't realize all of the problems that cavaliers have either. :( I frequently worry about Sonny's health and get nervous that he is in pain, discomfort or is showing symptoms of some disease. I also tend to obsess and fixate on things, so I am trying really hard to balance being aware of possible health risks but also to just enjoy Sonny and try to do the best I can with him.

Oh I know you were just trying to make me aware...and I appreciate that. Maybe I'm being unrealistic in saying this... but I truly want to believe that Wrigley will be the exception to all this. That is my prayer anyway.
In fact my hopes would be that many of you that I have met here on this forum find yourselves w/ dogs that live out healthy lives rather than have a Cavalier w/ numerous problems.
Just like you shared..(*yes) ~ I TOO WANT to stay aware of their health risks...but I do not want to let the worries consume me. I'd rather concentrate my thoughts on positive things. Know what I mean?

ashleighelizabeth
18th June 2012, 02:59 PM
Oh I know you were just trying to make me aware...and I appreciate that. Maybe I'm being unrealistic in saying this... but I truly want to believe that Wrigley will be the exception to all this. That is my prayer anyway.
In fact my hopes would be that many of you that I have met here on this forum find yourselves w/ dogs that live out healthy lives rather than have a Cavalier w/ numerous problems.
Just like you shared..(*yes) ~ I TOO WANT to stay aware of their health risks...but I do not want to let the worries consume me. I'd rather concentrate my thoughts on positive things. Know what I mean?

Totally know what you mean. :)

KatieR21
18th June 2012, 08:02 PM
I have VPI for all three of my dogs, and for big surgeries etc. they're good - as long as it's not considered preexisting. When my corgi needed surgery for hip dysplasia, they wouldn't pay; but they did cover 80% - nearly $2,500 - of my Havanese's leg surgery (tumor). For the "regular" vet bills, I guess you'd say the expected ones, I have a money jar that I put $10 a week in, and I have a membership with Pet Assure, which I guess is like an alternative to pet insurance (http://www.petassure.com?src=bm); it's more of a discount program which saves me 25% at the vet for any treatment. In my financial situation I need a bunch of bail-out plans! LOL