Which Pet Insurance Are You With?

[RexsMom]

Id really like to get Rex on insurance. I’m so paranoid all the time of things happening to him especially as a large purebred dog. I’ve put out quite a bit already in vet bills, not including shots.
Last night my mother’s friend’s Rottie had swallowed a towel & cost her $4500 for the surgery. That finally pushed me into saying “That’s it, I’m getting insurance!”.
I am a Canadian citizen. I’m assuming that the companies are different in Canada than they are in other places, but even if you aren’t Canadian what do you have covered just in case? What were your experiences with certain companies?

 

[Ddski5]

Embrace Pet Insurance

$750 Annual deductible
$15,000 Annual max
90% Reimburseable
$1,000 Dental insurance
No Wellness insurance

I did ALOT of research into it and chose Embrace because of its good reviews on reimbursal time, met our needs and if you do not use during the fiscal year, the annual deductible decreases.

Used it twice and it has definitely paid itself off:
Foreign body surgery
UTI

Faxed them copies of the bill and 10days later received reimbursement.

I do not know the odds of them going up on us this year- I hope not.

 

[Antman408]

I have HealthyPaws. It’s a 250 yearly deductible and no max. It covers 80% of visits and I pay 125 a month to cover him. It’s based on area for your rate. I’m happy with it.

 

[AresMyDobie]

I use Trupanion they are great

 

[My2Girls]

I have Nationwide Pet insurance. I’ve had to use it plenty of times. I only have the accident/major illness coverage. We dropped the wellness care as that did not payout for us. Costco offers a membership discount. There are several Canadians on here. @Kaiser2016 what insurance do you have?

 

[Kaiser2016]

I would check out Costco insurance first and foremost. They are amazing for everything and I would like to switch over but I haven't looked into it.

We have pet secure. It's just under $60/month with chiro and dental but no wellness. I am over the top with my wellness demands so if I had to do it again I'd include wellness coverage.

Many vets will direct bill for certain insurance companies. Mine allows email submissions but they don't direct deposit - they send a cheque in the mail.

 

[strykerdobe]

We have Trupanion for our Female.
24Petwatch for our male. Which I would not get again. The Insurance is not bad. But in the policy they only cover up to $1000 in Holistic (Cold Laser, Acupuncture and Supplements) treatments. We have two Holistic Vets we see.

I believe when I was looking at Embrace (which is a good insurance) when our female was a puppy. They only covered one obstruction per policy period. With a puppy you never know!

The main thing to do when you go to one of the Pet Insurance pages. Look up their policy and go to and read Exclusions.

 

[strykerdobe]

Also just before you get the Insurance. Take them to the Vet for a complete checkup. Have the Vet put in their vet record. One no apparent signs of leg and joint issues. Two no signs of any diseases or Allergies.
Its just called CY
Just so the Insurance Company can't come back and say it was a Pre-existing Condition.

 

[Atingles10]

We also have nationwide for our 7 month old puppy. Its $38 a month for the accident/ injury coverage and after the $250 deductible they cover 90%. We used it January 1st when our boy cut his leg open and needed staples so we already met our deductible. It took them about 3 weeks to get us a check to cover the remaining balance after deductible. So far we like them.

 

[LifeofRubie]

We use Nationwide as well. Their premiums spiked because people were taking advantage of their awesome plans, unfortunately. But their coverage and payout have been awesome. Everything from routine visits (we have whole pet with wellness for both dogs), to staples in Rubies foot, to puke sessions when a sock has gone missing, to covering 90% of her spay surgery. There are a lot of great plans out there nowadays. I think even our vet offers some sort of insurance plan right through their practice.

 

[strykerdobe]

Yes one thing I forgot to mention. Ask the company about when premiums will go up?? Some will go up as the pet get older. At what age and I'm sure premiums are different in different parts of the country.

 

[McKinley]

I am looking at getting Nationwide for my pup but Doberman specific exclusions are:
Doberman Pinscher Cardiomyopathy; Color mutant alopecia; Dancing Doberman disease; Familial glomerulonephritis (familial renal disease); Lupoid onychopathy; Narcolepsy; Renal tubular dysfunction (familial renal disease)

It seems like everything i am worried about is excluded?

I had nationwide for a previous dobe that i lost to renal acute renal failure at 4 1/2. Nationwide would not cover ANY of it -diagnosis nor treatment. Only the cost of putting him down. I was not happy. found out afterwards it was an exclusion for dobes!

 

[LifeofRubie]

Hrm, interesting. I actually called them the other day to ask about a procedure and if it was covered and the lady literally said they had no listes of what is and isn't covered. Just submit it and it's reviewed and determined at that time. I like what they've done for us so far but they're getting more expensive and seem to be getting more confusing.

 

[Kaiser2016]

I am looking at getting Nationwide for my pup but Doberman specific exclusions are:
Doberman Pinscher Cardiomyopathy; Color mutant alopecia; Dancing Doberman disease; Familial glomerulonephritis (familial renal disease); Lupoid onychopathy; Narcolepsy; Renal tubular dysfunction (familial renal disease)

It seems like everything i am worried about is excluded?

I had nationwide for a previous dobe that i lost to renal acute renal failure at 4 1/2. Nationwide would not cover ANY of it -diagnosis nor treatment. Only the cost of putting him down. I was not happy. found out afterwards it was an exclusion for dobes!

Check Costco. Can’t be any worse. I noticed some banks also offer pet insurance.

 

[strykerdobe]

I would be looking somewhere else for Pet Insurance then.

Always look at each of the company policy under Exclusions.

 

[Antman408]

I highly suggest healthy paws. 80% Reimbursement and a yearly 250 deductible. Infinite top out and covers everything (minus pre existing conditions). I had 10K in vet bills last month and got 8k covered.

 

[Atingles10]

I am looking at getting Nationwide for my pup but Doberman specific exclusions are:
Doberman Pinscher Cardiomyopathy; Color mutant alopecia; Dancing Doberman disease; Familial glomerulonephritis (familial renal disease); Lupoid onychopathy; Narcolepsy; Renal tubular dysfunction (familial renal disease)

It seems like everything i am worried about is excluded?

I had nationwide for a previous dobe that i lost to renal acute renal failure at 4 1/2. Nationwide would not cover ANY of it -diagnosis nor treatment. Only the cost of putting him down. I was not happy. found out afterwards it was an exclusion for dobes!

I need to go back and look into this then. We have nationwide and have been using it for our guy, I had no idea there were these exclusions Thank you for the heads up.

 

[GennyB]

I am looking at getting Nationwide for my pup but Doberman specific exclusions are:
Doberman Pinscher Cardiomyopathy; Color mutant alopecia; Dancing Doberman disease; Familial glomerulonephritis (familial renal disease); Lupoid onychopathy; Narcolepsy; Renal tubular dysfunction (familial renal disease)

It seems like everything i am worried about is excluded?

I had nationwide for a previous dobe that i lost to renal acute renal failure at 4 1/2. Nationwide would not cover ANY of it -diagnosis nor treatment. Only the cost of putting him down. I was not happy. found out afterwards it was an exclusion for dobes!

Shop around and find one that works for you. This link has a pretty good explanation of the top companies with links to their sites.
What's The Best Pet Insurance Company For 2019? | CanineJournal.com

 

[Rowledge2]

Ok so when I put all the info in. it looks like Pets best and Figo seem ok
between 54-62 a month 80-90% reimbursement, unlimited annual can add extra for regular check-ups they seem to be basically emergency incidents.
What am I missing?

 

[ones66]

That's pretty much it, you don't miss anything.