pet insurance - Poodle Forum - Standard Poodle, Toy Poodle, Miniature Poodle Forum ALL Poodle owners too!
   

Go Back   Poodle Forum - Standard Poodle, Toy Poodle, Miniature Poodle Forum ALL Poodle owners too! > Poodle Forums > Poodle Health

Poodle Health Discuss Poodle health and important health testing for common poodle diseases.

PoodleForum.com is the premier Poodle Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Display Modes
Old 01-24-2013, 01:44 AM   #1 (permalink)
Member
Points: 1,052, Level: 18 Points: 1,052, Level: 18 Points: 1,052, Level: 18
Activity: 0% Activity: 0% Activity: 0%
Last Achievements
 
Cin3dee's Avatar
 
Join Date: Jan 2013
Names of dogs: Daisy May
Poodle Type: Mini
Posts: 55
Thanks: 63
Thanked 62 Times in 23 Posts
Default pet insurance

Thinking of getting pet insurance. Anyone have any thoughts or suggestions they wouldnt mind sharing with me on this? I just think about that GOD forbid accident or illness and not having the funding to cover a huge vet bill.
Cin3dee is offline   Reply With Quote
The Following User Says Thank You to Cin3dee For This Useful Post:
LauraRose (01-24-2013)
Sponsored Links
Advertisement
 
Old 01-24-2013, 03:58 AM   #2 (permalink)
Senior Member
Points: 2,499, Level: 32 Points: 2,499, Level: 32 Points: 2,499, Level: 32
Activity: 1.8% Activity: 1.8% Activity: 1.8%
Last Achievements
 
Mom-n-Reiki's Avatar
 
Join Date: Jan 2013
Names of dogs: Rowan (Spoo), Mikah (Mini Schnauzer)
Poodle Type: Standard
Location: Greenacres Fl
Posts: 218
Thanks: 372
Thanked 211 Times in 121 Posts
Default

I've heard really good things about Embrace, and their quotes seem reasonable enough, but they don't appear to offer multiple dog discounts, so it gets expensive. If you want a customized plan, or go with their highest plan, even your wellness visits are covered.
Mom-n-Reiki is offline   Reply With Quote
The Following 2 Users Say Thank You to Mom-n-Reiki For This Useful Post:
Cin3dee (01-24-2013), LauraRose (01-24-2013)
Old 01-24-2013, 04:02 AM   #3 (permalink)
Senior Member
Points: 14,205, Level: 82 Points: 14,205, Level: 82 Points: 14,205, Level: 82
Activity: 0% Activity: 0% Activity: 0%
Last Achievements
 
LauraRose's Avatar
 
Join Date: Dec 2012
Names of dogs: Lula
Poodle Type: Silver mini
Location: Philly-ish
Posts: 308
Thanks: 971
Thanked 579 Times in 181 Posts
Default pet insurance

I appreciate this thread. I'd like insurance for Lula, but haven't been sure who's reputable.


Sent from Petguide.com Free App
__________________
Be well,
Laura & Lula
LauraRose is offline   Reply With Quote
Old 01-24-2013, 07:04 AM   #4 (permalink)
Senior Member
Points: 26,026, Level: 100 Points: 26,026, Level: 100 Points: 26,026, Level: 100
Activity: 2.6% Activity: 2.6% Activity: 2.6%
Last Achievements
 
schnauzerpoodle's Avatar
 
Join Date: Apr 2010
Posts: 2,364
Thanks: 1,907
Thanked 1,631 Times in 737 Posts
Send a message via AIM to schnauzerpoodle
Default

I REALLY like PetPlan.

Check out these older threads.
Dog Insurance?
Pet Insurance

Pet Insurance Reviews from Poodle Owners - pet insurance review
schnauzerpoodle is offline   Reply With Quote
The Following 2 Users Say Thank You to schnauzerpoodle For This Useful Post:
Cin3dee (01-24-2013), LauraRose (01-24-2013)
Old 01-24-2013, 09:08 AM   #5 (permalink)
Senior Member
Points: 6,866, Level: 57 Points: 6,866, Level: 57 Points: 6,866, Level: 57
Activity: 38.8% Activity: 38.8% Activity: 38.8%
Last Achievements
 
Oreo's Mommy's Avatar
 
Join Date: Dec 2012
Names of dogs: Oreo born 16 Dec 2012, Fifi 1998-2012
Poodle Type: Miniature Poodle
Location: Oahu, Hawaii
Posts: 536
Thanks: 1,183
Thanked 759 Times in 307 Posts
Default

I am leaning towards Healthy Paws insurance. It seems to have the highest customer satisfaction rating.
__________________
The greatness of a nation and its moral progress can be judged by the way in which its animals are treated. (Mahatma Gandhi)




Oreo: 16 December 2012

Fifi: 8 Sept 1998 to 20 November 2012
Oreo's Mommy is offline   Reply With Quote
Old 01-24-2013, 09:13 AM   #6 (permalink)
Member
Points: 1,526, Level: 23 Points: 1,526, Level: 23 Points: 1,526, Level: 23
Activity: 0% Activity: 0% Activity: 0%
Last Achievements
 
LegalEagle's Avatar
 
Join Date: Nov 2012
Names of dogs: Laszlo
Poodle Type: Miniature
Location: New Jersey
Posts: 88
Thanks: 100
Thanked 96 Times in 41 Posts
Default

Here is a chart comparing the characteristics of different pet insurance plans. I found it very useful in choosing a plan, though, thank God, I haven't had to use my pet insurance yet. We have PetPlan. I thought about just opening a separate account and putting in $20/month to save up for vet bills, but my fear was that if Laszlo got sick or injured while he was still a puppy, the bill could drastically exceed the amount I had saved.

Not to sound too mercenary about it, but when you pay over $1000 for an animal, you want to protect your investment.
LegalEagle is offline   Reply With Quote
The Following 2 Users Say Thank You to LegalEagle For This Useful Post:
Cin3dee (01-24-2013), LauraRose (01-24-2013)
Old 01-24-2013, 11:28 AM   #7 (permalink)
Senior Member
Points: 2,405, Level: 31 Points: 2,405, Level: 31 Points: 2,405, Level: 31
Activity: 5.4% Activity: 5.4% Activity: 5.4%
Last Achievements
 
Join Date: Jul 2012
Posts: 256
Thanks: 131
Thanked 287 Times in 141 Posts
Default

I still remain unconvinced that pet insurance is a good way to go. I don't want an insurance company weighing in on the care my pets get, and the cost difference between having and not having insurance is not prohibitive.

Looking at one of the highest rated insurance -
Embrace (Most Popular) $24.77+ per month, $300 annual deductible, 20% coinsurance, $10,000 annual maximum, no per incident limits. Covers accidents & illnesses, genetic & chronic conditions, prescription drugs. Does not cover dental illness or wellness.

So over your dogs 14 year lifespan you pay at least $4,161 in premiums, plus the $300 a year in decuctables ($4,200), plus 20% of any costs, and there is no garantee that they will not drop you at the end of the year or bring your premiums to a cost prohibitive level.


Pet care overall is so reasonable (compaired to human care), the pet insurance industry is not regulated in such a way to protect you from being dropped should your dog end up with a chronic condition, that saving and doing a cash pay is likely a better use of most people's money. It may help stabilize costs over the life of the dog, but is unlikely to result in better care or a lower overall costs.
Pluto is offline   Reply With Quote
The Following User Says Thank You to Pluto For This Useful Post:
Cin3dee (01-24-2013)
Old 01-24-2013, 12:41 PM   #8 (permalink)
Senior Member
Points: 1,234, Level: 20 Points: 1,234, Level: 20 Points: 1,234, Level: 20
Activity: 0% Activity: 0% Activity: 0%
Last Achievements
 
crestiespoo's Avatar
 
Join Date: Dec 2012
Names of dogs: Rambo, Rocky and Millie (Chinese Crested) and Portia (Spoo)
Poodle Type: Standard
Location: Northern Ontario, Canada
Posts: 112
Thanks: 41
Thanked 173 Times in 68 Posts
Default pet insurance

We have had pet insurance for four years. Have paid $25 a month per pet. It doesn't cover vaccines, annual maintenance etc. you have to pay an annual deductible of $100 per pet before injury/accident costs are covered. We recently canceled out insurance - would rather put that money in a "pet health" fund to use as I wish, including needles if I want. It will add up and if there ever is an illness or accident the money will be there to pay. (We have four dogs so the monthly premiums would have been high)....


Sent from Petguide.com App
__________________
crestiespoo is offline   Reply With Quote
The Following User Says Thank You to crestiespoo For This Useful Post:
Cin3dee (01-24-2013)
Old 01-24-2013, 04:50 PM   #9 (permalink)
Senior Member
Points: 26,026, Level: 100 Points: 26,026, Level: 100 Points: 26,026, Level: 100
Activity: 2.6% Activity: 2.6% Activity: 2.6%
Last Achievements
 
schnauzerpoodle's Avatar
 
Join Date: Apr 2010
Posts: 2,364
Thanks: 1,907
Thanked 1,631 Times in 737 Posts
Send a message via AIM to schnauzerpoodle
Default

We have PetPlan. I paid about $400 for Nickel's premium. We spent about $2400 (a total of 9 visits to 2 vets) during the course of three months dealing with the hookworm and post-hookworm diarrhea. We paid $100 deductible in total (PetPlan charges per-incident deductible, not per-visit). We got our checks within 10 days after we submitted our claims. No question asked at all.

If we weren't covered, I might not have taken Nickel to the new holistic vet who charges $250 for the one-hour initial visit and this is the vet who took care of the diarrhea. It was two days after this $250 visit plus $35 herbs (acupuncture and massage included) that I saw some solid poop first time in 3 months. I'm grateful that we have PetPlan coverage.
schnauzerpoodle is offline   Reply With Quote
The Following User Says Thank You to schnauzerpoodle For This Useful Post:
Cin3dee (01-24-2013)
Sponsored Links
Advertisement
 
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Pet Insurance? CurlyTop Poodle Talk 12 11-09-2012 06:54 AM
The Best Pet Insurance! Clicker Poodle Talk 8 06-27-2012 01:27 PM
Pet Insurance Ennui Poodle Health 15 05-31-2011 03:46 PM
Do you have pet insurance? Cdnjennga Poodle Talk 28 02-15-2010 04:47 PM
Pet Insurance? Finghin General Off-Topic Chat 6 06-14-2009 10:29 AM


All times are GMT -8. The time now is 06:02 AM.



Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.3.2
All (C) PoodleForum.com
PetGuide.com
Basset.net DobermanTalk.com GoldenRetrieverForum.com OurBeagleWorld.com
BoxerForums.com DogForums.com GoPitbull.com PoodleForum.com
BulldogBreeds.com FishForums.com HavaneseForum.com SpoiledMaltese.com
CatForum.com GermanShepherds.com Labradoodle-dogs.net YorkieForum.com
Chihuahua-People.com RetrieverBreeds.com