21st December 2007, 04:55 PM
I e-mailed PetPlan and they are coming to my state in early 2008. The Embrace looks VERY appealing. Now I am trying to decide, do I buy Embrace now, or wait until PetPlan comes to Florida and then compare them?
Owned by Barkley the CKCS , Sweet Pea the ET , and three goofy cats!
23rd December 2007, 10:10 PM
Brought Brady to vet yesterday just get him checked him over and she recommended insurance as they are prone to heart murmurs and heart problems from about 6 or 7 and said it was well worthwhile. She said it could save thousands so am going to organise €17.50 a month I think she said - she filled out his health declaration with a "clean" bill of health.
23rd December 2007, 10:57 PM
In Ireland, I strongly recommend Petplan insurance for all my rescues, when I home them. Half of all cavaliers will have a heart murmur by age 5 and the rate is almost sure to be significantly higher from breeders who do not cardiac test their breeding stock and follow the MVD protocol. Sadly almost none in Ireland do (many will say with duplicity that they 'heart test' but they mean their vet listens to hearts -- whoop de do -- this isn't heart testing and most vets cannot hear early onset murmurs in dogs under 5 so it means zilch unless they cardiologist test, and most breed their dams and sires at age 1, long before they should be if they follwoed the MVD protocol). I am convinced that this is why there seems to be such a very high rate of cavaliers deaths in cavaliers between 5-7 years old here. The national club doesn't support heart testing at club events, or encourage it. It is absolutely infuriating. I am tired of going to talk to families about getting a rescue cavalier who tell me they 'just lost theirs at age 6 to heart problems'. No records are kept but I would be willing to bet that Irish early death rates from MVD are higher than in any other country. It is really sad when vets have to advise that a breed will get an old dog's disease at a middle age -- that says everything.
Petplan will also, as of this time, pay out for SM treatment as well.
In memory: Lucy
30th December 2007, 01:32 AM
I got my new policy (renewal) from Petcare last week. They apparently have eliminated the 100%/zero copayment option. My new policy will only cover 90% and they have raised the per incident deductible to $100 from $50, all for the same premium i was paying, so they have reduced their coverage. It's still pretty good but I see that PetPlan does offer the $50 deductible and 0% copay, for the same premium i'm paying on PetCare. And, the coverage is $12,000 a year (at the highest coverage level option), whereas with PetCare, it's $6000 per illness category and a lifetime limit of $72,000. I don't think that PetPlan has a lifetime limit, not that someone would pay $72,000 during the life of their dog--unless you wanted to get into the still experimental mitral valve replacement which i think could cost that much.
As i said in my other post, i was put off from PetPlan only because on their website, in hard to find fine print, it said (as recently as when i posted about it on this thread) that the 0% copayment was only for primary care vet visits, while after hours emergency care and specialist visits had a 30% copayment. That's quite high, and was a deal breaker for me. But now, i don't see that on their website, i tried very hard to find it. It was hard to find before so it may still be there and i haven't uncovered it yet. Anyone who has PetPlan, Cathy?, do you know anything about whether they still have that 30% copay for emergency room and specialists? Barkleigh Bianca's mom/dad, did you have a 30% copay for the MRI or any of the specialist care? If they paid $2400 out of $2800 (good!), what was the $400 that you paid on the surgery? Was it a copay or deductible?
thanks for any info. I'm definitely considering switching because the premium is pretty identical, and the $12,000 a year is a lot better than Petcare's $6000 per illness category.
I was happy with Petcare because of the zero copay and $50 deductible, and their prompt payment of all my claims. I will have to keep them for my cat because she's 15 and i don't think there's any plan that would take her as a new client. But for Zack, i'm ready to switch, but don't like the idea of paying 30% in an emergency.
One other thing i remembered, for people who are shopping for insurance, there is also vetinsurance.com, it's canadian, sara barr has it, they don't have it in my state yet (CA); they do have it in some parts of the US. I wasn't able to figure out how to pull up their plans on the web just now, but i remember that one thing i liked about it was, they have $20,000 a year coverage and it was renewable, like if you used it up, they let you renew it and start over, and they have a 24/7 phone line where you can talk to someone, and they cover all cavalier conditions. Their minimum copay option was 10%. I dont' remember what the deductible was.
28th January 2008, 07:26 AM
[QUOTE=we luv lexi;236528]can anyone suggest a good insurance plan?
Check out www.trupanion.com It's a Seattle company, a branch of Vetinsurance, which both of my children have.
Best to compare several companies to see which suits your needs best. Good luck in finding a good one!
28th January 2008, 07:40 AM
Judy, I don't think Vetinsurance has a deductible? The website is www.vetinsurance.com if anyone wants to check for sure