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post #1 of 18 (permalink) Old 05-01-2019, 08:31 PM Thread Starter
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Pet insurance reviews

Hello everyone. Wondering what others have chosen for their pet insurance. I had Petplan for Callie and it was great in that it paid all of her claims and the holistic vet claims. But they have a limit on how much they cover. I am considering Trupanion who states they don't have any limits but its an extra rider to be able to use alternative therapies like acupuncture for instance. Has anyone had Trupanion and what do you think about it. Or any other companies?

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Callie, You stole my heart from the minute you entered my life. My heart belongs to you for eternity. 6/24/10 -
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post #2 of 18 (permalink) Old 05-02-2019, 08:39 AM
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That is the reason I have Trupanion. I went through cancer with my last dog and know how quickly it can hit five figures. Having no illness/injury cap and no annual cap is crucial to me. My insurance is for catastrophic illness or accident - it does not cover wellness or vaccines or spay, but all that is part of having a dog in my view. It's the unforeseen that I want insurance for.

I have actually wound up making a few claims over the years with Trupanion - they are friendly, efficient, and they have always covered everything as stated in my policy.

Keep in mind, any condition your dog has had prior to switching your company will be considered a pre-existing condition, so won't be covered.

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post #3 of 18 (permalink) Old 05-26-2019, 01:25 AM Thread Starter
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Hello everyone. I am stilling trying to decide on the best insurance plan for my Coco. I am trying to decide between Trupanion and Petplan. I like Petplan bc I had that with Callie and they covered her torn CCL including holistic vet and PT. Trupanion does this (alternative care) with a separate rider. Petplan covers exam fees. I read on the Trupanion site where they compare policies, that Petplan raises their premiums more than Trupanion. I don't remember how much Callie's premiums increased. Does anyone here have info as to how much Trupanion and Petplan raise their premiums? I was happy with Petplan but if Trupanion is more cost effective, then I will consider them. I also like that Trupanion charges one deductible for one condition for the life of your dog. Any insight here would be greatly appreciated. Thanks.

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post #4 of 18 (permalink) Old 05-26-2019, 01:41 AM Thread Starter
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Another question. Is an unlimited cap necessary? trupanion's poiicies are unlimited whereas with Petplan, you can choose an unlimited plan or choose one with a cap such as $15,000, $25,000, etc. Are these annual caps enough or are most of you preferring an unlimited cap?

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Callie, You stole my heart from the minute you entered my life. My heart belongs to you for eternity. 6/24/10 -
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post #5 of 18 (permalink) Old 05-26-2019, 08:33 AM
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I have Trupanion and used it for a giardia claim when Maggie was younger. They were wonderful, paid very quickly and covered exactly what they said they would.

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post #6 of 18 (permalink) Old 05-26-2019, 10:51 AM
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Trupanion has gone up about 10% every year for me.

But I am still very happy with them. I do think an unlimited annual and illness/incident cap is crucial, as someone who had a dog with cancer, which involved surgery, hospital stay for infection, and chemo (and no insurance). As an indication, my $5000 "emergency" vet fund was gone the first week. I was easily into 5 figures by the end. And my poor girl only lived two months.

It's also good to have an unlimited incident/illness amount if your dog is diagnosed with something fairly early on in life which is going to be covered for life.

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post #7 of 18 (permalink) Old 05-26-2019, 06:57 PM
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Hi,

We have Healthy Paws and have only positive things to say about it. Went through lymphoma with our Buddy, which meant chemo and radiation. We had a plan that paid 90% / $250 deductible which was a life saver. They were very prompt with their payments.

They don’t cover the actual appointment itself but everything else (labs, procedures, prescriptions, surgery, etc). It also does not cover dental unless it is the result of an injury. There is no cap.

We have had 3 dogs covered by Healthy Paws now and can highly recommend them!
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post #8 of 18 (permalink) Old 05-27-2019, 12:20 PM
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Almost forgot...

Healthy Paws does cover some alternative treatments such as acupuncture as long as it is performed by a veterinarian.
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post #9 of 18 (permalink) Old 05-27-2019, 11:21 PM Thread Starter
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In my search, I stumbled across a crowd sharing pet "insurance" type program called Eusoh. It is funded by members paying a $20 fee, $250 deductible and a monthly premium that vaires from $0 to $48. You have a group of 10 members in your group and the memebers' fees is what reimburses you for vet expenses. I have heard of this type of program for people. I have never heard of this company. It is a new company, 2018. Has anyone here heard of this? It sounds good but my concern is what happens if it ever poops out and fizzles or not enough members, would that mean there would be no funds?

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7/11/18
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post #10 of 18 (permalink) Old 05-29-2019, 04:36 PM
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I am getting my new puppy on Friday. I did EXTENSIVE research (almost embarrassingly extensive) into this, lost my golden earlier this year to cancer and while we had insurance, at the time we got it (13 years ago) the landscape was very different and we spent $10k out of pocket in the last several months of his life (wouldn't do anything different for those last months of love though). Ultimately its going to come down to you personally, your financial situation, and what you want insurance for.

Healthy Paws is a decent option, its well funded and backed, premiums dont increase in a large way yearly. However in California for Golden's they now only cover up to 80% of vet bill, and no exam fees. They do cover alternative treatments and the monthly payment is good.

I went with PetsBest. The monthly is slightly more than Healthy Paws - but they pay 90% of vet bill, customizable deductible to fit your needs (as low as $100/yr up to $1500), premium increase yearly is minimal. I got the best coverage which covers alternative treatments and pays the exam fees. I also added wellness plan that gives $535/yr benefit for $300/yr if you use it all, which I will.

Other good options I found and warnings:

Figo - I ALMOST pushed purchase on Figo. Then I dug into the California Department of Insurance yearly records. Long story short, for the last 3 years they have requested 20-50% increase in plan cost approvals and were granted the approvals. Meaning they had legal right to increase your premium by that percentage. In the case your dog developed a condition while insured, you would be stuck, because that condition is now pre-existing when switching to a new insurance plan. So while their offerings are stellar (up to 100% of vet bill coverage) - I couldn't take the risk of a 50% premium increase yearly.

Embrace - only negative here is yearly maximums - however they offer a $30k yearly maximum on their highest plan, in a catastrophic case this may not be enough, but with us I think $30k would be fine as a max.

I have more info but my fingers got tired, happy to answer any other questions.
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