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Thread: insurance?

  1. #1
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    Default insurance?

    can anyone suggest a good insurance plan?
    i have info from the ASPCA, i saw on here that alot of you really like petplan, i checked it out on their website and said they dont offer coverage in my state (florida)
    so is there any plans out there that you are satisfied with?
    thanks in advance for any suggestions!

  2. #2
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    Quote Originally Posted by we luv lexi View Post
    can anyone suggest a good insurance plan?
    i have info from the ASPCA, i saw on here that alot of you really like petplan, i checked it out on their website and said they dont offer coverage in my state (florida)
    so is there any plans out there that you are satisfied with?
    thanks in advance for any suggestions!
    We have PetPlan here in NC. Some people have mentioned that they (in the States) have Embrace and really like it, too,...I don't know much about it, but it's probably worth checking out...
    Barkleigh Bianca’s mom and dad

  3. #3
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    Default insurance

    I use Pets Best for my great danes and will get a policy for my new puppy as well. They pay 80% after the deductible. I've gotten my moneys worth so far with just one surgery from a swallowed toy.

  4. #4
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    We have Embrace insurance and have been pleased with it so far. We haven't had to use it much because Ruby has never really been sick or injured. We met the deductible this spring because Ru got a little sick and was on some of the recalled food, and I freaked out. Other than that, we haven't had to use it. The people I've corresponded with were WONDERFUL and very speedy with my plan info. It's definitely worth checking out! Hope this helped!! Oh, and I think our monthly payment is not quite $30, and we got a discount because she was micro-chipped and spayed.
    Jessica, mom to Ruby, 1 yr. old blenheim

  5. #5
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    i've had Petcare for years. I'm very satisfied, i've had several claims and they generally pay without any hassle. I've had it on zack his whole life, for two years. i've had it on my cat fluffy for probably at least 10 years but have never made a claim. I just made my first ever claim for her and they sent me a letter saying they need her medical history, which didn't surprise me, but i'm not sure how i'll handle that because she was a healthy indoor cat and didn't go to the vet during the whole time i've had her on the plan, so i need to call them. I like them though as insurance companies go. They have a variety of coverages. for zack i have 100% after a $50 per incident deductible and i've been very happy with that though the premium is high. but it gives me peace of mind when he has needed medical care. it's that much less stressful not worrying about the cost.

    PS--the thing i didn't like about Petplan was that they do have a 100% choice like Petcare but unlike Petcare, it only applies to your regular primary vet, not specialists or emergency hospital after hours. Even if you pay a higher premium for 100% coverage, if you need a specialist or emergency room, the copay is 30%. But it's possible that the premium for Petplan is less than Petcare. I would rather pay the higher premium and not have to think about cost if zack needs emergency care or specialist.
    Last edited by judy; 19th December 2007 at 08:45 AM.

  6. #6
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    I have Embrace and I'm pleased with them so far. They cover all genetic and hereditary conditions which a lot of companies don't and as we all know with Cavaliers this is the most important coverage to have. Everyone I worked with there has been very nice. I already got reimbursed for one claim very quickly and I just submitted a claim for Bella's pancreatitis which was a $1500 bill. So far - ABSOLUTELY worth the monthly costs!

  7. #7
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    We have Pet Care for Miles, and we just submitted a few bills for reimbursement for a bladder infection, so I will let you know if they cover what they are supposed to cover. Miles is also currently on prescription food, and I believe they cover 30% (?) of that cost, too...We'll see! I know that they DO cover congenital/hereditary conditions, which was very important to me. I think we pay $32/month,although I don't remember the details of the coverage right now
    Carrie - Mom to my boys, Miles (a Ruby born 4/15/07) and Truman (a B&T born 11/28/07) and my girls, cats Hailey and Kayla (born @ 4/15/04 - they were found as strays )

  8. #8
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    Just switched to PetPlan last week. Was with PetCare but liked the coverage of PetPlan better.
    Cathy
    Loving mom to Jake, Shelby and Micah

  9. #9
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    The key thing is to check whether the insurer covers *hereditary conditions* as these are probably the most important, and potentially most expensive, source of health issues for the breed. MVD, syringomyelia, eye problems etc are considered hereditary.
    Karlin
    Cavaliers: Jaspar Leo Lily Tansy Libby (foster) Mindy (foster)
    In memory: Lucy
    Cavalier SM Infosite:www.smcavaliers.com

  10. #10
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    Just an update; I agree with all everyone else has said. We just got reimbursed by PetPlan for Bianca's surgery. They ALSO did NOT charge us another copay because they considered it part and parcel of her recent MRI-neurology claim. They just sent us a check for $2400; the surgery was $2800. Not bad.
    Barkleigh Bianca’s mom and dad

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