Pet insurance - - which company???

[barry581]

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.

The premiums do go up a bit each year. Brooks went from $35 to $37 this year. I have him with Healthy Paws.

[Labradorks]

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.

Expect it to be more like $10k for the dog's lifetime because your rates will continue to increase, especially when the dog hits a certain age (8 or 10, depending on the breed).

[windycanyon]

The premiums do go up a bit each year. Brooks went from $35 to $37 this year. I have him with Healthy Paws.

That was the quote I got on Pippin just a couple days ago. I"m guessing they had a general increase for Labs. She's only 15 wks old so I really thought it'd be less. I think looking at the bottom line, I'll remain self insured, though "someone" is transporting rocks into the garage...

[Doreen Davis]

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 them up at about 18 months I think. They ask for their complete medical records from your vet to establish a baseline e pre conditions


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[Nancy0]

I take back what I said about FIGO pet insurance. I just got my renewal notice for the boys. Charlie's policy went up $500 and Niner's $200. Signed them up with Healthy Paws. I will be canceling FIGO after the waiver period for Healthy Paws ends. This is exactly what happened with Pet plan.

Nancy

[Charlotte K.]

My friends around here, including one who is a vet swear by Trupanion as well. We don’t have insurance personally though.

The vet for whom I groom the show dog Afghans and the one who has her third Cavalier from me in 17 years also recommended Trupanion. I am thinking I will try it.

[3ChocMom]

Just a note about Petplan because I think there may be some misinformation being spread. Yes, they changed underwriters and as a result, their premiums did go up, in some cases significantly. Their plans are also less reimbursement if you want to keep them affordable. Which really upset me when I got my renewal letter. However, I have NEVER heard of them dropping dogs when they get older. In fact, they say they will never do that. So my guess is that whoever thinks that happened got confused when they switched underwriters. They had to legally issue a notice that they were cancelling all of the old policies in effect under their old underwriter. However, continuous coverage was still there under the new one if you renewed. My Brandy turned 12 this year and was renewed with no issues.

And as she was diagnosed with cancer in April, I will never complain again about the cost of the premiums. Petplan has covered literally everything - her surgery, her staging tests, her oncology visits, AND all of the holistic methods we are using to try to keep the tumor from coming back. When I say that, I am talking invoices from Amazon, where I get some of her supplements, to invoices for an herbal product that is extremely expensive (though essential to successful treatment of cancer according to my holistic vet) and I would never be able to afford it if they didn't cover it. I haven't researched pet insurance companies in a long time, but I don't think many of them cover alternative treatments. At least, not to the extent that Petplan does. Something to keep in mind.

[jenfarm]

We went with Healthy Paws. Signed Chutes up at 9 weeks old. We'll see how it goes.