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  1. #11
    Senior Dog Doreen Davis's Avatar
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    I can't say enough good things about Healthy Paws, for two 3yo labs. Stella just have TTA procudures done on both knees. We pay about $72 a month for both dogs, $250 deductible and 80% coverage. The cost of bilateral TTAs was $10k and HP covered 80% of it. I've not tried to insure an older dog but have become convinced that any dog we have in the future will be insured. We've been very fortunate in the past, no major issues over the course of 8-9 dogs.......but Stella just blew that cost curve out of the water.

  2. #12
    Senior Dog Tanya's Avatar
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    i asked various vet clinics around here about which one they hear the best reviews from and it was Trupanion (but we don't have many of the ones mentionned above here either)

    Quote Originally Posted by annkie View Post
    We were just discussing this as well since we got a new pup a couple of months ago. My feeling is that if you save on a regular basis and you don't have an accident prone dog then insurance is unnecessary. I had insurance for Jules a long time ago but it didn't cover hereditary disease so it was completely useless to us. I cancelled it. It had a $100 deductible per incident. Most visits were barely over $100 anyway and he only had 2 of those. So now I'm wondering if I should just put my payment into my savings that collects interest instead of pay someone else.
    For a dog where you have no issues absolutely. saving is better. or if you happen to have $5000 already and you just add to it. This was my philosophy before last year.

    My dog tore her knee last year and it was $5000 surgery. It would have taken YEARS of "putting money aside in a dog account" to save that much. And had she lived she had a huge heart issue that needed to be diagnosed/cared for ($3000 just from that last night). So yes saving works for the average dog with no major issues. But insurance is to protect in case of major issues. It doesn't (generally) cover regular visits anyway, it's for emergencies.

    So I do plan to seriously seriously seriously investigate insurance on my next dog.

  3. #13
    House Broken jenfarm's Avatar
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    Quote Originally Posted by Doreen Davis View Post
    I can't say enough good things about Healthy Paws, for two 3yo labs. Stella just have TTA procudures done on both knees. We pay about $72 a month for both dogs, $250 deductible and 80% coverage. The cost of bilateral TTAs was $10k and HP covered 80% of it. I've not tried to insure an older dog but have become convinced that any dog we have in the future will be insured. We've been very fortunate in the past, no major issues over the course of 8-9 dogs.......but Stella just blew that cost curve out of the water.
    We've been looking into pet insurance for our new pup and Healthy Paws has been the cheapest we've found and they seem to have good reviews, but there's always the bad ones that make you nervous. Seems like most of the unhappy ones are due to claims being denied for "pre existing conditions" which, if you sign your brand new pup up from the get go it's hard to have. When did y'all sign your dogs up for insurance? When they were little puppies or later? Just curious.

  4. #14
    Senior Dog
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    Quote Originally Posted by Tanya View Post
    i asked various vet clinics around here about which one they hear the best reviews from and it was Trupanion (but we don't have many of the ones mentionned above here either)
    My friends around here, including one who is a vet swear by Trupanion as well. We don’t have insurance personally though.
    Annette

    Cookie (HIT HC Jamrah's Legally Blonde, UDX, OM2, BN) 6/4/2015
    Sassy (HIT Jamrah's Blonde Ambition, UDX, OM2, BN) 6/4/2015

    Chloe (HIT HC OTCH Windsong's Femme Fatale, UDX4, OM6, RE) 6/7/2009

    And remembering:

    Scully (HC Coventry's Truth Is Out There, UD, TD, RN) 4/14/1996 - 6/30/2011
    Mulder (Coventry's I Want To Believe, UD, RN, WC) 5/26/1999 - 4/22/2015

    And our foster Jolie (Windsong's Genuine Risk, CDX) 5/26/1999 - 3/16/2014

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  6. #15
    Best Friend Retriever silverfz's Avatar
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    I do the petsmart one. Its not the greatest but for 30$ a month it covers all medical visits and full tests plus vaccinations. So when i added up first few years it came to being a bit cheap. what we made out was when we think she is sick and bring her in as dr visits and all blood/fecal tests are included. So once a year we make out.

    If i had brought her in before 6 months then its like 40$ but includes fixing her.

  7. #16
    Best Friend Retriever Java's Avatar
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    Pet Plan (Canada) for Banjo from puppy to senior. He didn't really need it. I had a basic plan for emergencies but everything I did pay for, I could've saved for easily. Twelve years of payments that started at $27/month & went up every 5th birthday. Was nice to have for the peace of mind but more than if I saved for emergencies instead. For Chloe, she was a senior when I adopted her. No insurance for her. With or without, probably would've been the same either way IF I'd registered her for the top tier of insurance from the first day. Because of that, I got Boomer the top level of insurance with PetSecure (formerly Pet Plan Canada) from day one. Good thing I did. At his first vet visit not long after, he was diagnosed with oral melanoma. I was able to okay the surgeries and testing without flinching. The insurance paid for itself and then some within those first months. Even with insurance, you have to be able to deal with the initial cash flow until you're reinbursed. I'm not sure there's any pet insurance that will pays the vet for you, but I'd be interested in hearing about any that do.

    I feel like I've typed this info somewhere else on the forum.

  8. #17
    Senior Dog Meeps83's Avatar
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    Quote Originally Posted by jenfarm View Post
    We've been looking into pet insurance for our new pup and Healthy Paws has been the cheapest we've found and they seem to have good reviews, but there's always the bad ones that make you nervous. Seems like most of the unhappy ones are due to claims being denied for "pre existing conditions" which, if you sign your brand new pup up from the get go it's hard to have. When did y'all sign your dogs up for insurance? When they were little puppies or later? Just curious.
    We signed ours up shortly after coming home.


    Sent from my iPhone using Tapatalk

  9. #18
    Senior Dog Nancy0's Avatar
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    Hi Woofie - how are you doing? I dumped Pet Plan for the exact reasons you mentioned. Ridiculous premiums. I have gone with FIGO pet insurance. You can do everything online - so nice. They are a newer company, but have gotten great reviews. They are very similar to Pet plan before their outrageous premium hikes. I haven't had to file a claim yet, but I have liked all the correspondence I've had with them so far. I was worried because Charlie is older. They told me what wouldn't be covered for him so there are no surprises. Good to see you

    Nancy

  10. #19
    Puppy
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    I am planning on starting to look for a lab mix at the shelter next month. However, I am doing my homework this month (getting the house ready and looking into pet insurance). I plan to sign up for the insurance the day I get my puppy because of the pre existing clause in all the insurance policies and the waiting periods. I have been going crazy with spreadsheets and contacting insurance companies.

    Truplan was recommended by a few vets I have talked to. I wonder if they are getting any kick back for it. Truplan is one of the few if the only one I have found that will pay the vet office before you leave (no waiting for a check). Still looking into Truplan as there coverage/payment is different than other insurance. Healthy paw looks like a good option and seems to have good reviews. However as with Healthy Paws and Truplan they don't cover exam fees (that can add up). With Healthy Paws after age eight your dog's policy is changed to 70% and 500 deductible automatically. Pets Best and Pet Plan have a nice online chat feature where you can chat with the company online and they can answer all your questions. Figo might be a little to new for me (2015) but interesting they cover stem cell therapy. With this new dog I would like to look into mobile vets ( in addition to my regular vet) that come to your home and it looks like most all cover this. (The only problem is I can't find a mobile vet in my part of the state)

    I wish there was a way to see how much your plan would go up the following year and when your dog becomes a senior. I try to change the search perimeters to a different age on the same plan and the price that come back are crazy high. When you sign up your puppy for pet insurance you are locked in for life of your pet with that insurance company because of the pre existing clause. If you go to another company they will denied claims because of the pre existing clause.

    In addition I plan to open a saving account for the dog as a back up and contribute to it every month.

    Any input or recommendations would be greatly appreciated.
    Last edited by WOZ; 05-12-2017 at 03:03 PM.

  11. #20
    Best Friend Retriever annkie's Avatar
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    So, just signed Archie with Healthy Paws insurance. My hubs and I talked about it again. I've been watching the rate at which he chews EVERYTHING and fully expect him to eat something he shouldn't (I really hope I'm wrong!). He also seems to have no fear and just jumps off everything. VERY different from Jules. So yeah... after doing the math at $35/mo payments for his lifetime of 15 yrs comes out to about $6,300 for a lifetime of insurance. I assume the payments will not increase.

 



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