Pet insurance - - which company???
I will start out by saying I've had Pet Plan for 4-5yrs, with ok results for only having to ever file 2 very small claims for 2 separate dogs.
I had no problems in continuing to pay premiums, etc, as it was always a peace of mind thing - even if I haven't used it at all in comparison to what it's designed for.
All this said, my policy renewed in January nearly tripling my monthly premium for my now 10yr old dog - was told it was because they changed under-writers, etc. I didn't think more into it then that at the time; Mom had just had back surgery, life was busy. Well, I'm really looking at his policy the other day, I'm paying $1,110 yearly for premiums, with a $350/per incident co-pay - - which is ok, for his age, super pricey, but "peace of mind".
But, I started researching into recent reviews of Pet Plan, mostly of everyone who's policies have renewed in the last 6mnths-1yr are VERY unsatisfied; claims are seemingly being broken up into "everything" having a separate deductible so that the company gets out of paying. And, what really worries me, is I've been finding lots of reviews of owners with 10-13yr old dogs (who've had policies) are being told that their pet is being dropped.
So...I looked into Embrace (healthy paws is rated #1 - but their value is shit for a dog over 8yrs of age, just my opinion) - they are quoting me $58/mnth, $500 YEARLY deductible (not per incident) & have no qualms insuring a dog who's 10.
I already know their pre-existing clause; my big guy has only had a few minor issues over the years, nothing really to worry about. My question though, has anyone else changed companies "after" their dog has reached say over 2-3yrs of age with minor issues on their vet records??
And, which companies are you guys using? Results? ..... I'm just scared & angry to keep paying this amount just to have him possibly dropped next year, plus I got a good taste of their (pet Plans) rates for entering a NEW young pet; their plans are NOT what they used to be.
Sad....they were once rated #1