Comments on: saving money on pet insurance companies

By: young

young — Mon, 03 Oct 2011 16:03:29 +0000

@Karen Hay- I’m sorry to hear about your poodle Cushings disease sounds awful. Yeah, seems like HBC is the winner. I haven’t had any friends personally use it, they use Vet Insurance and were happy with it.

By: Karen Hay

Karen Hay — Sat, 01 Oct 2011 01:47:45 +0000

My toy poodle just passed away from cushings diease. We had several thousand dollars in vet bills. If we ever get another dog I will definiantly get pet insurance. I have been looking into it already and I like the HBC insurance best because your premiums will not increase, just your deductible and it is very reasonable deductible.

By: Sean

Sean — Tue, 06 Sep 2011 04:49:17 +0000

I have a basic petcare policy for my Dog, its the tenant care plan. Premiums were around $17 when we first signed up, and have increased to $21 (4years later). We have submitted 2 claims so far, with no problems at all. Both claims fell under the “first time illness” clause of our policy. Our Vet seems to be aware of how to write up the paper work in a way that makes then insurance company happy. I find it’s important to let your vet know that you have a policy and what it covers.

So far I have to say i’m pleased with the coverage. We mainly bough it to cover a potential catastrophe, not wanting to make the tough decision if our dog required thousands of dollars worth of care

By: Lessons Learned « Our Oslo

Lessons Learned « Our Oslo — Sun, 14 Aug 2011 17:54:32 +0000

[...] Get pet insurance. Do it now. 1 in 3 pets will have a serious health issue in their lives. MANY of these pets are put [...]

By: young

young — Fri, 22 Jul 2011 06:12:45 +0000

@parisindy- That’s what I did- and how I got my pet insurance in the first place. However I ended up cancellling because they always denied everything I claimed. I personally would recommend Vet Insurance or Trupanion. My friend had them (her cat was already 7 years old) and they were very good. She was actually very pleased with them. The thing you want to look for is a company that won’t scour your pet’s vet history and deny claims for pre-existing conditions.

By: parisindy

parisindy — Wed, 20 Jul 2011 17:22:30 +0000

Oh i don’t expect them to pay for what has already happened.

But after having to have such a large bill, i couldn’t afford to have another bill like that, so i need to get insurance just incase. Though i have had many pets and this dog is the first one i have ever had such an accident with. (clutzy puppy). But after talking to my friend in the UK i was shocked by what their insurance covers and ours don’t. (she gets free regular vet visits)

In the end i think i am going to go with the HBC program. The premiums are the most resonable compared to the coverage at about 26$ per month. though i do worry they will increase as my puppy gets older.

now if i can keep my puppy from giving the cats a concussion with his cast life will be a lot easier lol

By: young

young — Wed, 20 Jul 2011 05:40:41 +0000

@parisindy- I’m sorry to hear that your puppy broke his leg! But usually pet insurance won’t cover you for anything that happens after the fact. Are you wanting to protect yourself in case of future accidents/ illness?

By: parisindy

parisindy — Tue, 19 Jul 2011 00:35:21 +0000

I have had a lot of pets. And currently i own a puppy and two cats. i have been very lucky and have not really had any major health issues with them until recently.

My puppy broke his leg … the fee’s have been incredible. we are now hunting for pet insurance and its been very complicated. We don’t have a ton of money so totally a lower premium is needed.. we are leaning towards HBC but have not made a decision yet. I just wanted to thank you for your article.. its really helped us better understand out choices

By: Hamster Cage

Hamster Cage — Tue, 18 Jan 2011 17:27:24 +0000

I read these articles talking about the cost of pet insurance and it still amazes me how much it costs. Lets hope our government does not try to get involved.

By: young

young — Tue, 11 Jan 2011 05:09:23 +0000

@Sally- Wow, Australia sounds amazing for pet insurance!!! You definitely won’t get a 100% payment of claim here with any amount of monthly premium. I think the best would be 90%. I hear that Vet Insurance is pretty good (it’s based out of North Vancouver) and my friend is happy with them so far. I had Pet Care and I wasn’t very satisfied. My friend with Vet Insurance hasn’t had any denied claim yet and they don’t separate the health problems like Pet Care does (e.g. kidneys won’t be covered but eyes will). Good luck and you will love Vancouver! Maybe I’ll see your dog at a dog park one day