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Thread: Pet Insurance in the U.S

  1. #11
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    Quote Originally Posted by Pat View Post
    I still have never made a claim. I keep thinking about dropping it, but Tucker is 10 years old so surely I will make a claim at some point. I really got it just for catastrophic. At least I've only had it for two full years; just starting my third year.
    Pat
    Pat, I've had PetPlan for Charlie McFarlie for around 6 or 7 years and have not made a claim until just recently. Charlie turned 11 in April and the upcoming insurance preminum is going to be $1086.oo a year. I'm waiting to see what they re emburse for Charlie's claim, before I continue with the plan. $1086 for an 11 year old dog is getting pretty expensive for us. It is almost as much as our home owner's insurance.. Our recent (and only submitted claim) was for around $1300. There is a $200 deductible and 20% co payment, since Charlie had to see a specialist for his procedure. I was emailed that the claim would be taken care of within 10 to 15 business days. Tomorrow will be the 15 business day, so I am keeping my fingers crossed that they will take care of us.

  2. #12
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    Mar 2012
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    Thanks to everyone here, I decided to go with Pet Plan. I also got it mainly for catastrophic. But am so thankful I did!! In February we got a new bed (about 2" taller than the old one) the very next a.m. Cody jumped off the bed and tore the ligaments in his left shoulder. We are now into this a little over $4500.00, thankfully it has been covered and I have been out only about $800.00. Which included my deductible and my co pays on the specialist and his physical therapy!! Payment from them was very quick. As soon as he was injured and I realized we were looking at specialist, etc I immediately had our vet send over his history as they needed that on file. My first check was received about 13 days after I submitted my first claim form. I am now as you can imagine a huge proponent of Pet Insurance.
    Mom to Cody (Tri) 2/12

    My little dog - a heartbeat at my feet. ~Edith Wharton

  3. #13
    Join Date
    Mar 2005
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    Atlanta, GA
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    Quote Originally Posted by Rosewoodsteel View Post
    Pat, I've had PetPlan for Charlie McFarlie for around 6 or 7 years and have not made a claim until just recently. Charlie turned 11 in April and the upcoming insurance preminum is going to be $1086.oo a year. I'm waiting to see what they re emburse for Charlie's claim, before I continue with the plan. $1086 for an 11 year old dog is getting pretty expensive for us.
    I have just made my first two claims for Tucker within the last couple of months. They paid the first one within days, and the second was paid in two weeks.

    Tucker turned 11 last October, but his premium when his policy renewed in Feb is $804. I have bronze plan ($10k per year max payout), $200 deductible and 20% copay. You might look at the various options to see if you can get a lower premium. At this point, I will keep the insurance as long as he is alive. I spent almost $5,000 in one month (January) for my 13 year old shih tzu. Insurance would have made a big difference.

    Pat
    Pat B
    Atlanta, GA

  4. #14
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    It has been 17 business days and we have not been paid for Charlie McFarlies's procedure. The initial email I received from PetPlan said that claims would be processed withing 10 to 15 business days. When I asked them about this, their response was for me to read the Terms and Conditions of my policy, that they have 30 days to pay.

  5. #15
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    Quote Originally Posted by Rosewoodsteel View Post
    It has been 17 business days and we have not been paid for Charlie McFarlies's procedure. The initial email I received from PetPlan said that claims would be processed withing 10 to 15 business days. When I asked them about this, their response was for me to read the Terms and Conditions of my policy, that they have 30 days to pay.
    Have you logged onto their website to check the claim status? I checked the site frequently when I was waiting so I could follow the process. I knew that the check was in the mail (before receiving it) by checking their website. All of your policy documents are on the site also when you log into your account, so it's a good way to check things. As I mentioned, I sent in two claims at the same time. One was paid within days, and the second check was processed within 15 days but received about three weeks since the claim was sent.

    Did you figure out why your premium is $280 more than my premium for the same breed, same aged dog?

    Pat
    Pat B
    Atlanta, GA

  6. #16
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    Hi Pat,

    Yes, I log onto their site daily. We actually had two claims that I submitted on the same day. One was closed after a few days with no re embursement (they were correct in this determination). The other is the one that has not been processed.
    Charlie McFarlie has the "Gold" plan, so that might explain the difference in premiums.

  7. #17
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    Feb 2008
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    Well, it's been 18 business days (24 total days) since PetPlan sent us their email acknowledging receipt of Charlie McFarlie's claim.
    They indicated that they had all necessary information, so we are not holding things up at our end.
    I guess we will just have to wait.

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