Veterinary Pet Insurance
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Veterinary Pet Insurance
Pet Insurance Rate Increase
I just found out that my pet insurance company (Trupanion)
just raised my monthly premium by 36%! It's going from
$46.38 (which already seemed crazy high) to $63.16.
I'm wondering if I have any recourse. Are they allowed to
do that? If they are (which is what I assume), I will
definitely want to find another insurer. Does anyone have a
recommendation for another insurer (especially one that's
good for a dog who isn't a puppy? Our dog is 4 years old).
I've used Petplan (gopetplan.com) for the past four years
for all five of my cats and am ECSTATIC with them. Very
reasonable rates, they hardly ever go up, they've never
questioned a claim, etc. In fact they lose money on me every
year (literally, every year they have paid out more than
I've paid in). I'm not even sure how they make a profit.
Before I bought the insurance, I'd spent about $6,000 on a
sick cat who subsequently died. I realized if that happened
with a bunch of my cats simultaneously I'd be up the creek.
So I spent about two months researching all the companies.
Petplan came out first (according to my criteria), with
Embrace a close second. Phrasing the next part carefully: I
liked ASPCA and VPI the least, from what I saw. That is my
opinion and I am not suggesting that you not do business
with them. I'm saying that I personally wouldn't.
Get Petplan and you'll never look back.
A recent responding poster was too tactful to say anything
negative about ASPCA Pet Insurance, but as someone whose dog
has been insured by them for 9 years, I have no such qualms.
Stay away. I agree that frequent rate increases are
annoying, but if your current pet insurer is reimbursing
your claims fairly, I'd stick with them. You really don't
want a pet insurer that makes no allowance for the higher
cost of veterinary services in the Bay Area. That's ASPCA
Insurance. Of course, they SAY they do market surveys and
adjust for geographical differences, but in my experience it
isn't true. Every time I've filed a claim, they've
discounted what I was charged to what they say is
'reasonable and customary' -- that means it takes longer to
reach my annual deductible and the 80% the plan supposedly
pays back after reaching the deductible is never -- ever --
really 80% of what it cost me. Also, one year, my dog was
diagnosed with something a few days before the end of the
'plan year'; when I had her treated for that condition after
that date, all expenses related to the condition were
rejected as 'pre-existing.' Unfortunately, my dog was
already of an age where it was impossible to switch to
another pet insurance company. But I will never insure a
pet with them again. ASPCA did itself a grave disservice
lending its good name to this. P.O.'d Pet Parent
Anyone have Pet Insurance?
I have a 3 y.o Aussie mix. She is healthy now but had
distemper and mange when I got her. My last girl died of
cancer and it was pretty expensive. I'm thinking of getting
insurance but the few brochures I picked up at my Vets all seemed the same. Does
anyone have experience with any of the
various companies, and if so, how has it worked for you?
The best pet insurance by far is TruPanion. They cover 90% of ANYTHING
unexpected (illness, injury, etc). They do not cover routine issues (vaccines,
etc). Since it''s the unexpected things that will cost you (knee surgery,
kidney failure, hospitalization, cancer treatment) this makes more sense. Avoid
VPI at all costs. They are terrible and try to decline payment with loopholes
in coverage. -Been through it and happy with TruPanion!
I have pet insurance with VPI. I just filed my first claim
and haven't heard back yet. If you want, send me your email
address and I'll let you know how it turns out.
Pet insurance for our cats
Can anyone recommend some Pet Insurance? We have several cats, and I know
from experience that as they get older, there will be more, and bigger vet
bills. I want to find some pet insurance before I actually really need it.
We have ASPCA pet insurance www.aspcapetinsurance.com for two dogs
and have been pretty happy with it; previously we had VPI
www.petinsurance.com and had a harder time with them paying
claims. It's definitely smart to get it *before* any
chronic/serious health problems develop.
Hello, As someone in the Veterinary Field, I can recommend highly
recommend TruPanion Pet Insurance. Avoid VPI at all costs-
they do everything they can to avoid re-imbursement. You
definitely want to get insurance now as most insurance
companies exclude pre-existing conditions (sound familiar?).
Is pet insurance worth the cost?
Does anyone have any experience with veterinary pet insurance,
good or bad, s/he would like to share? What I'm trying to
figure out is whether it is worth the cost (considerable, as we
have three older dogs). We just spent a fortune on medical
care for an (uninsured) dog; if insurance pays a significant
share of the cost in the event of a catastrophic illness such
as cancer, it might be worth doing. Thanks for your help,
We have used VPI for about 5 years now and are very satisfied.
We have two dogs and two cats, all fairly young, and didn't
want to face the dilemma of finances versus giving them necesary
medical care in the event of an accident/injury. We have the
highest level of coverage, which covers vacinations,
preventative stuff like heartworm medication and flea/tick
medication, and maybe one annual ''checkup.'' VPI only pays up to
a certain amount - it never covers the entire vet bill - but
there have been several times when our dogs have been injured
and we've been charged a huge amount for stiching up
lacerations, etc. --- and we were glad we had insurance. We've
never had a claim turned down and when I've had to get on the
phone with the company, they've been very helpful
I had bad experiences with them about 6 years ago. I had an
older rottweiler who I got insurance on when she was about 4 or
5, with the cancer policy. They covered barely anything and
the type of cancer she got when she was 7 was not covered under
the policy, and told me it was a pre-existing condition, which
it wasn't. They have so much fine print, it is hard to find
anything that they do cover and you have to play a lot out of
pocket before the insurance will kick in. I think I got
*maybe* $300 back total for 2 dogs being covered for 6 years,
for incidental things like teeth cleaning and shots, nothing
major. But when major things ($$$$) went down with my dogs
(cancer, vomiting, eye lesions, fox tails in the nose), they
totally screwed me and I got such a lousy return for it, like
$25 for a $600 vet bill. It was a very unwise investment for
me. It was worth it once when our second dog was a puppy and
we had her spayed, but now days, any vet will fix your dog on a
sliding scale and sometimes free! It makes me sad just to
think about it. When times were tough with my dog suffering, I
*thought* I had planned well for her care, only to find out
that VPI was heartless and found every way to get out of
covering her bills.
Hope my 2 cents helps
We have been using VPI for several years now. Our dog had a pre-
existing condition (hip displaysia) so anything related to this
condition is not covered but we decided it was worth the $160 we
spend each year just in case something does happen. It is like
any insurance - you wish you had it if something bad happens and
dogs can do crazy things sometimes. We have gotten some money
back for testing we did earlier and medications we had to give
to her. One thing though - they might not cover older dogs or
charge a lot if they have not been covered before
I have VPI for my two dogs (5 and 9 years old). I have only
needed to submit claims for my 9 year old so far. One of the
last times was for teeth extraction, and I think VPI ended up
covering about half of it. They have a defined schedule of
what they will pay for what illness/treatment, regardless of
how much your vet charges (they don't pay a certain
percentage). If you sign up your dogs with them, they will
also review their medical records and probably will exclude any
prior problems from coverage. You can talk to them about the
details if you're concerned. Their customer service is very
I believe that having health insurance for my dogs is worth
it. I have the basic plan, so it's not that expensive, but it
gives me peace of mind. In fact, I've always said that I hope
I never have to use the insurance, even if I pay for it their
Hope this helps
this page was last updated: Oct 11, 2013
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