Carrier Medical
For people who have or have had pet medical insurance: Who is/was your carrier?
Is it worth the cost of the premiums? Does/did your company pay claims promptly?
I definitely think Pet Insurance is worth it!
I got my dog Pet Plan pet insurance, and it is amazing. I have 0% coinsurance and a $50 deductible. They even cover hereditary conditions like hip dysplasia, which most other insurance companies dont cover. They also cover each condition for life, with no limit on time or cost. Other insurance companies will only cover a specific condition up to a certain dollar amount.
My puppy is only 9 months old and she just had a Mast Cell Tumor (Cancer) removed. The biopsy and tumor removal surgery has cost almost $1,000 so far, and ALL but my deductible was covered. So i only paid $50! We do not know yet if she will need Chemo, but that will also be covered.
She has also been in the ER for eating gum, and that too was 100% covered aside from my deductible.
I really like PetPlan because they are the only company that gives you the option to choose your coinsurance and deductible. You pick what % of the treatment you are responsible for and the deductible you pay for each incident.
I have the the Gold Plan (the best one) and it is $34 a month. Other plans are cheaper. The Gold plan also pays for Boarding and Kennel Fees, Advertising and Rewards if your dog goes missing, the price you paid for the dog if it does not return, the price of the dog if he/she must be put down or dies due to illness or injury, and travel expenses that cannot be reimbursed if you must cancel due to your animals illness or injury. Claims are alse reimbursed within 2 weeks (usually faster)
I love Petplan and they are sooo helpful! My dog also has chronic ear infections and they pay for every visit and all the medication!
So, if you have petplan and your dog gets hurt or sick, they will cover it. And if you need to go to an after hours ER vet clinic, they will also pay for this if it is to save your dogs life. If it is not life threatening, they will pay 70% (because you could have went to your regular vet).
Overall its great! I chose it after months of research and talking to vets.
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