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Thread: Pet Insurance in the U.S.

  1. #1
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    Default Pet Insurance in the U.S.

    I know that there are specific threads on here that talk about insurance to specific areas, but I haven't been able to find the ones that talk about U.S. I was wondering what everyone's recommendation for insurance in the U.S. is? I am most concerned about getting something that will cover for hereditary diseases. Any advice is much appreciated. Thank you.

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    PetPlan is what I have (www.gopetplan.com).

    I like them a lot.

    Trupanion also gets good reviews from their members .

    A place for you to check is petinsuranceuniversity.com.

    Also ... VPI is really not great. My sister had them and they hardly reimbursed anything.
    Lani
    (a.k.a. Lucky's & Sparky's mom!)

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    Thank you Lani! I actually just found another thread with your recommendation and went to the petinsuranceuniversity and looked up pet plan. Sonny's siblings (who have different owners) are with VPI and I had initially talked to them when he was a baby, but I just didn't like their coverage or think it made sense, so I ended up putting off getting him covered. However I just spoke with someone from Pet Plan and it sounds exactly like what I am looking for! Thank you again for your help.

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    Yep based on my research PetPlan and Trupanion were my choices in the US. I eventually went with PetPlan -- we had to submit a claim recently and it was for the most part pretty hassle-free (the 'hassle' part was actually getting my vet to fill out the claims form and send it to me, it got lost in the mail the first time, she's only in 2-3 days of the week, etc.).

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    That's great that the claim was pretty easy! It sounds like Pet Plan is the way to go!

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    I have PetPlan too. My vet submitted a claim for Chloe's spaying, but I haven't gotten anything yet. If I do, then I'll know I have a winner, I guess.
    ________________________________________________
    Mom to tri puppy Chloe Louise ...and a cat, and a rabbit

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    Quote Originally Posted by Calandra View Post
    I have PetPlan too. My vet submitted a claim for Chloe's spaying, but I haven't gotten anything yet. If I do, then I'll know I have a winner, I guess.
    Read your policy. Spaying is not included. This is copied from the exclusion page:

    Elective or specialty procedures which are not deemed
    medically necessary, including but not limited to, docking
    of tails, removal of dewclaws, removal of eyelashes,
    cropping of ears, spaying or neutering or cosmetic
    dentistry.

    I think they would cover spay surgery if it were a result of pyometra, but they won't cover an elective routine spay.

    Pat
    Pat B
    Atlanta, GA

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    do either of these cover SM or mitral valve? We have VPI I have yet to get a refund but I will from his neuter soon

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    VPI may cover neutering, but you will get a small amount. VPI probably does not cover SM or MVD. I have yet to hear anything good about VPI. My sister had it and spent $500 on gastro issues with her dog and got almost nothing back.

    PetPlan and Trupanion get good reviews from Cavalier owners, because they do cover hereditary issues, like eyes, luxating patellas, and yes, MVD and SM. These can be a lot pricier than a neuter.
    Lani
    (a.k.a. Lucky's & Sparky's mom!)

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    Quote Originally Posted by 3kids1cav View Post
    do either of these cover SM or mitral valve? We have VPI I have yet to get a refund but I will from his neuter soon
    I initially looked at VPI too. However from what I have read it seems that VPI might cover routine care expenses, but PetPlan covers accident , illness and hereditary diseases like SM and MVD. I was most concerned about getting coverage for the bigger things and that is why I went with Pet Plan, but they were very honest and told me that they don't cover routine care, like neuter, vaccines... But I really liked that they were upfront about their coverage! Sonny is in the waiting period for his Pet Plan coverage.

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