Pet Insurance?
What’s the best pet insurance company out there? I’ve heard some horror stories about some of them so I wanted to ask what you guys (and gals) thought. How fast does it take to go into affect?
What’s the best pet insurance company out there? I’ve heard some horror stories about some of them so I wanted to ask what you guys (and gals) thought.
How fast does it take to go into affect?
After years of coverage and multiple policies for our 4 pups with the AKC Pet Partners Insurance the time came for me to have utilized it for our adored pup. He was sick – no question about that. I had insurance – or so I thought. Our sweet boy was hospitalized, required an MRI of the brain which indicated some sort of a lesion, then developed nephritis, later he came down with aspiration pneumonia and also had an emergency hospital visit as well. It ended much to my heart break with the loss of this sweet boy when I was told that it was medically necessary to euthanize him. I had thought I had credible coverage through the AKC Pet Insurance. WRONG! One the Wellness Plan (most enriched plan and very expensive) through the AKC they AKC denied medications, MRI, further diagnostics, medical treatment and hospitalizations INCLUSIVE of euthanasia.
So consumers BEWARE of such an organization. These were unrelated situations that they denied.
I had registered our pups with the AKC when they made the offer of this insurance upon AKC registration of our puppy years back – how could I go wrong with the AKC? In EVERYWAY!! In addition recently, they have denied testing on our other pup for a simple test of giarda on the Wellness Plans which are the most enriched plan (allegedly) through the AKC – they denied that too.
I have dropped the insurance with this deplorable coverage offered through the AKC. I now have them insured with an honorable insurance provider that does not have the gimmicks the AKC Pet Insurance has to get out of paying claims.
CONSUMERS please check out http://www.petinsurancereview.com and see how many of us that patronized the AKC have shared similar experiences. This is a wonderful sight – they offer you information on ALL insurance providers.
I am now with Embrace and could not be happier with the customer service, the helpfulness, expertise and wisdom the representatives have. Embrace demonstrated timeliness with information, all something that I never ever received from the AKC Pet Insurance. Embrace offered a medical review process so you know UP FRONT what is exactly what. I may have a pre-existing condition for a pup, but that by far out weighs the knowledge of knowing what a reputable company I am now with. I hope none of my pups get as sick as my sweet boy did – but now knowing that they are TRULY insured with an outstanding insurance provider I sleep better. You can tell in just speaking with Embrace they truly staff animal lovers!
Who wants to be with a company that when you are at your wits end with the loss of your pet, they even deny euthanasia as a final slap in your face?
Please check out the reviews for yourself at http://www.petinsurancereview.com and BEWARE of the AKC. Clearly it is a shared experience being dissatisfied by many AKC Policy Holders.
I had VPI back when I still lived in Manhattan. Maybe my vet was very expensive but I remember still having to pay a lot out of pocket. The allotment for a checkup was less than half of actual cost. And they kind of wanked around about pre-existing conditions and whatnot. So if you have a healthy young dog / puppy, then it may be worth it otherwise find a good but reasonably priced vet (that’s what we ended up doing and we love our vet). Also, it probably won’t go into effect until the dog has a full checkup (partly so that they can verify pre-existing condition, general healthy etc).
I had my guys insured with VPI for years while they were younger and it came handy for emergencies. As a matter of fact we recommend pet insurance to all of our clients with new dogs, but agree with Petunia the wellness coverage is not worth it.
VPI was one of the first and they were OK. Unfortunately, as they get older the premiums increase tremendously. Also, if you are going to get pet insurance make sure that you have coverage for cancer. The cancer coverage is definitely worth it.
The best for the money is probably the one offered by the AKC. If you have a purebred, they offer a low rate if you sign up while the dog’s a puppy – not sure if they extend that to mixed breeds as well. IMO, it doesn’t make sense financially to sign up for the plans that cover wellness visits, shots, etc., as it’s cheaper to pay out of pocket. I can almost guarantee you that at some point in the dog’s first few years you’ll have to shell out $ for some unforeseen medical issue, so insurance does make sense. There was just a discussion of the topic on the NYTimes “Puppy Diaries” blog – lots of complaints in the comments re- the two non-AKC affiliated companies.
I’d also suggest you call VERG – 24 hr. emergency clinic in Carroll Gardens, and ask them who people have been happiest with.
http://www.nytimes.com/2009/10/03/garden/05puppy.html?_r=1