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Thread: Canadian Members Pet Insurance

  1. #11
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    That's great that you are doing your research on insurance. I too did a lot of research and asked around before getting Coco insured. (It's been a while since I read about all this stuff, so I have to think back!)

    I have Pet Plan- it's the Champion plan. It covers a lot and I don't regret getting it for Coco.

    It's different from the Pet Care Canadian because it covers some preventative stuff (like dental care) so I thought why not?
    There is also unlimited coverage on illnesses, unlike Pet Care Canadian, which is another reason why I opted for Pet Plan. Unlike Vet Insurance, there is no lifetime limit either.

    It covers things such as some dental cleaning, annual exam, heartworm, flea, blood tests, urinanalyius, deworming, vaccinations, declaw removal, spaying/neutering, unlimited veterinary coverage, extended dental care, death from illness, death from accidents, etc.
    There is a 20% copay with this plan.

    It has 100% accident coverage and hip dysplasia and all other hereditary diseases associated with cavaliers are covered. Some may say it's a bit pricey, but I think it's worth it. Here's a link: http://www.petplan.com/dog/cover_for_life/index.aspx

    Good luck!

  2. #12
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    I have a call into them now Debbie, as I have a few questions for them.

    They don't cover pre-existing conditions, so in my case Dudley had Gastro last year I want to know if he ever gets it again does that mean it is not covered.
    Mom to Daniel, Derrick, David
    Dudley 3 Years Old
    Darby 1 Year Old

  3. #13
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    Coco's mom -

    Is it too personal to ask you how much you pay for coco's insurance per month? ?

    I am currently paying about $33 after taxes for Kosmo and I'm getting another in a week and a half so I'm going to be at this insurance thing again..
    Sara, mommy to Kosmo ~ 4 year blenheim boy and Faith 3 year b/t girl *rescue*

  4. #14
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    Quote Originally Posted by Coco's mom
    I have Pet Plan- it's the Champion plan.
    I was at that site last night actually but thanks for the info, I want to check all this now. Cause you know NEXT SATURDAY i will be busy for a few wks just cuddling - well except when my daughter demands puppy cuddle time.

    Perhaps I am blind (god knows I deserve it for being on the internet all day - oh lazy me!) but I cant find pricing at their website - is it there?

  5. #15
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    Quote Originally Posted by Linda
    I have a call into them now Debbie, as I have a few questions for them.

    They don't cover pre-existing conditions, so in my case Dudley had Gastro last year I want to know if he ever gets it again does that mean it is not covered.
    If you dont mind Linda, could you PM me with any info you hear about. As for Gastro it really isnt a hereditary disease so I think you safe with that - but obviously check with them as companies can have such silly rules.

  6. #16
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    Quote Originally Posted by Kody
    Quote Originally Posted by Linda
    I have a call into them now Debbie, as I have a few questions for them.

    They don't cover pre-existing conditions, so in my case Dudley had Gastro last year I want to know if he ever gets it again does that mean it is not covered.
    If you dont mind Linda, could you PM me with any info you hear about. As for Gastro it really isnt a hereditary disease so I think you safe with that - but obviously check with them as companies can have such silly rules.
    I called my Vet and they said they will request a complete medical history on both boys. I asked how the heck can they deny you Gastro a dog will obviously get that more than once in their life. When I called the Insurance they said something about not covering anything that the dog has had previously.

    They haven't called back yet, if you go online and fill out the application a little it will give you a price.

    Mine is $66.60 a month.
    I may look around.
    Mom to Daniel, Derrick, David
    Dudley 3 Years Old
    Darby 1 Year Old

  7. #17
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    Is it too personal to ask you how much you pay for coco's insurance per month? ?
    Sara, we pay about $99 a month. This is for the Champion plan.
    Im so excited about your new little puppy. You are so lucky to have a little boy and now a girl!!!!


    I was at that site last night actually but thanks for the info, I want to check all this now. Cause you know NEXT SATURDAY i will be busy for a few wks just cuddling - well except when my daughter demands puppy cuddle time.

    Perhaps I am blind (god knows I deserve it for being on the internet all day - oh lazy me!) but I cant find pricing at their website - is it there?
    Kody- You have to ask for a quote. I remember I was not that impressed with Pet Plan until I called and asked for details about what they cover, etc.

  8. #18
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    Feb 2006
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    Santa Monica CA
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    Quote Originally Posted by Linda
    ....They don't cover pre-existing conditions, so in my case Dudley had Gastro last year I want to know if he ever gets it again does that mean it is not covered...

    I called my Vet and they said they will request a complete medical history on both boys. I asked how the heck can they deny you Gastro a dog will obviously get that more than once in their life. When I called the Insurance they said something about not covering anything that the dog has had previously.....
    Petcare has temporary exclusions and permanent exclusions. when i first got zack and signed up for Petcare, zack had bloody diarrhea during the 30 day waiting period. He also had a small growth on his face. The vet noted these when i took him for his initial exam. She would not have noticed the skin growth but i asked her about it, so then it was in his chart. it was tiny and soon went away.

    Three weeks after i got zack, still during the 30 day waiting period where there is no coverage, i took him to the ER for vomiting where the vet took an abdominal xray and mistakenly wrote in his chart that he had an enlarged heart. He said that there was a foreign body showing in the stomach on the xray so i made a claim on the insurance because accidents are covered during the first 30 days. I sent the records from the hospital. i forgot all about the enlarged heart notation becaue the next day the doctor had called and said there was nothing wrong with the heart--after the radiologist had looked at the xrays and said the heart looked normal.

    I got a revised copy of my policy under the heading Excluded From Coverage, it said "Bloody Diarrhea as of January 30, 2006 and Associated Conditions--Temporary," and "Growth under Right Eye and Associated Conditions--Temporary." and it said "Enlarged Heart and Associated Conditions--Permanent."

    There was a cover letter that says "Please note that any temporary exclusions placed on your policy are eligible for review, upon your request, after a period of one year from your effective date of coverage."

    The word 'temporary' was in bold type. Not to be confused with "permanent' exclusions.

    So, as of January 30 it will be a year since i took him to the vet for a complete exam, and diarrhea and skin growth were noted in his chart. I will be contacting Petcare and asking them to remove the two temporary exclusions after January 30. I guess i just take him for a yearly exam and send them the records that he's normal. I'll let you know.

    I had a hard time at first getting them to understand the 'enlarged heart' was a mistake. At first when i got them a letter from the radiologist, which was ambiguous, they changed the permanent exclusion into a temporary one. I wrote a letter to their underwriting supervisor or administrator, expressing frustration that Petcare was not seeing that the diagnosis had been an error, and after that they interviewed the radiologist and removed the exclusion completely.

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