My thoughts on pet insurance after a lot of research... - Page 2 - Golden Retrievers : Golden Retriever Dog Forums
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post #11 of 24 (permalink) Old 03-25-2012, 08:44 PM
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post #12 of 24 (permalink) Old 03-28-2012, 02:00 AM
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We are looking at VPI for Jessie. At first it was between Pets Best and VPI but after comparing the 2 VPI won out. Besides, VPI donates to our dog clubs responsible ownership day every year, Pets Best isn't nearly as large in this area (or affordable). The only thing left is to check out the AKC insurance and then for my parents to actually sign up. I'm guessing other than financial issues they want to see how WPKA goes this weekend to figure out if she will be spayed or not.

After the litter of puppies I whelped this past month I will always encourage people to get insurance; It saved the owners a good chunk of change from the emergency C-section.

Edit: Just checked AKC insurance and VPI still wins.
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post #13 of 24 (permalink) Old 03-28-2012, 09:34 AM
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Ignutah - I'm also wondering why you left VPI? I am about to sign up with them since I get a discount through my work, but would like to hear some first hand reviews before doing so - if you have any.
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post #14 of 24 (permalink) Old 03-28-2012, 11:08 AM
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Originally Posted by kbiocic View Post
Ignutah - I'm also wondering why you left VPI? I am about to sign up with them since I get a discount through my work, but would like to hear some first hand reviews before doing so - if you have any.
VPI only pays out on a schedule (ie you only get $X amount for Y issue, even if it cost a whole lot more). Many of the other insurances pay out a fixed percentage, so if the bill is high, you get paid more. I've had a handful of clients with VPI and very few are really satisfied with it.

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post #15 of 24 (permalink) Old 05-18-2012, 01:23 PM
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Anyone use Purina pet insurance?
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post #16 of 24 (permalink) Old 06-24-2012, 10:23 AM
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Thank you for your research. I too was between Healthy Paws and Trupanion. I ended up choosing Trupanion because they offer "claims express" to our vet. This means that they will pay the claim directly to vet. Since I chose to have $0 deductible, I would only be paying the 10% and not the entire amount and then being reinbursed the 90%. If it hadn't been for this, I would have put more consideration into Healthy Paws.
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post #17 of 24 (permalink) Old 12-21-2012, 09:56 AM
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I know this is an older thread, but it was a huge help in getting me to make a decision about which pet insurance to purchase (I ended up going with Healthy Paws, 90% reimbursement, $100 annual deductible for about 42 a month). Thank you SO MUCH to the OP. Also, in case any of you other new puppy owners out there are thinking about pet insurance, I found this site to be extremely helpful:

Pet Insurance University - A Vet's Guide to Pet Insurance
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post #18 of 24 (permalink) Old 12-21-2012, 11:20 AM
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I know this is an older thread, but
a. you left off one of the best around, Embrace
and
b. I personally wouldn't even consider Healthy Paws because THEY DO NOT PAY FOR THE VET EXAM! It's excluded, even if the vet is a specialist, and the exam can run into hundreds of dollars, just flat out excluded. NO THANKS.



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post #19 of 24 (permalink) Old 12-21-2012, 11:35 AM
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Quote:
Originally Posted by hotel4dogs View Post
I know this is an older thread, but
a. you left off one of the best around, Embrace
and
b. I personally wouldn't even consider Healthy Paws because THEY DO NOT PAY FOR THE VET EXAM! It's excluded, even if the vet is a specialist, and the exam can run into hundreds of dollars, just flat out excluded. NO THANKS.
I agree that excluding the cost of the exam itself is a pain in the tail, but Trupanion also does not pay the exam fees. VPI does, but I didn't like their payout structure. PetPlan also does cover exam fees, but the unlimited lifetime coverage offered by Healthy Paws appealed to me versus having the $20,000 lifetime limit. Hopefully I will never have to use the insurance, but I felt better having unlimited coverage versus a cap.
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post #20 of 24 (permalink) Old 12-21-2012, 02:38 PM
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This is healthful seeing how I would like to get insurance for Chester. Being a full time time student I'm not able to put away an x amount anymore.
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