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Old 05-17-2011, 10:54 AM   #21 (permalink)
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I just looked over petplan... any pre-existing conditions are not covered. So they wont cover kodie's meds since hes already on them, huh? AND they will not cover any treatment for follow up appointment for kodie since hes already diagnoised with his issues... ??
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Old 05-17-2011, 10:58 AM   #22 (permalink)
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Originally Posted by Snowbody View Post

Is it international, Sandi?
Sue, I think they have PetPlan in the UK but certainly not here in Greece. I am mainly thinking of taking it out for when I am stateside. We are thinking that we will spend 1/2 yr. in the US when we can arrange our schedule to do that. We need to get our house ready to put on the market at some point! We would spend the majority of those 6 months in TX.

Regarding pre-existing---I am not sure how to define that as we have no conclusive diagnosis for Kitzi's limp. 4 orthos & not one agrees w/the other. Most say the LP isn't bad enough to do surgery, but can't explain the limp. One said possible ACL but nothing conclusive. I do think we would just pay for that surgery out of pocket IF we can ever get a diagnosis!
My real problem is I have no vet reports in English---only Greek or German! All of his blood work is fine so far (haven't done the tick-borne test yet!) so nothing there. I don't mind giving his history honestly--outside of the neuter/teeth (baby) removed, poison episode & limping there isn't much to tell. But then he is only 1 yr. old!
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Old 05-17-2011, 11:13 AM   #23 (permalink)
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Originally Posted by uniquelovdolce View Post
ok i NEED to get the ball rolling with this and get to it , but i am clueless as to what exactly should i be getting , so to all u knowledgable ppl pls help , i simply am clueless when it comes to things like this. so advice advice advice , and in english please lol
Hi Liza - I can try and help you. I don't know much about the other plans because I did my research a while ago, but I can tell you a bit about how PetPlan works, if you're interested.

Here is a chart that lists their three different plans: Bronze, Silver and Gold. Petplan's Flexible Dog Insurance Policies

I have the Bronze plan which means I can get a maximum of $8,000 a year in reimbursements. The Silver plan is $12,000 a year and the Gold is $20,000 a year.

Once you choose the plan you want, you have to select a level of Co-Insurance and Deductible. Both of these are the amount YOU are responsible for paying.

A deductible is the dollar amount you pay for each incident before Pet Plan will reimburse you. I chose a $200 deductible for each incident/condition. So, for example, let's say the total cost of this incident with Bailey was $1,000. Straight off the bat, I was responsible for $200 of that. So that leaves $800.

The co-insurance is the percentage of the costs that you pay after the deductible has been met. I chose a 20% coinsurance. So, in Bailey's case, if the total was $1,000 minus the $200 deductible, that leaves me with a total of $800. I am responsible for paying 20% of this $800 which is $160 and Pet Plan will cover the rest.

So, from the $1,000 total vet bill, I have paid $200 for the deductible and $160 for my 20% co-insurance. Pet Plan will pay the rest, which is $640.

Once you choose which plan you want - the Bronze, Silver or Gold, you then have to decide what you want your deductible and co-insurance to be. You can choose your deductible to be $50, $100 or $200. You can choose your co-insurance to be 0%, 10% or 20%. Your monthly cost of the plan will change based on the co-insurance and deductible you choose. I chose the plan with the least coverage - Bronze, with the highest deductible of $200 and the highest co-insurance of 20% - because the monthly cost was really inexpensive. You can choose a lower co-insurance and lower deductible if you can afford higher monthly costs - then your coverage will be better than mine and you will be responsible for less of the total cost than I described in my example above.

*** Please keep in mind that you are responsible for paying ALL costs up front. You can then submit a claim and Pet Plan will reimburse you as per the plan you have chosen.

Hope that helps!!!
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Old 05-17-2011, 11:23 AM   #24 (permalink)
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Originally Posted by kodie View Post
I just looked over petplan... any pre-existing conditions are not covered. So they wont cover kodie's meds since hes already on them, huh? AND they will not cover any treatment for follow up appointment for kodie since hes already diagnoised with his issues... ??
Yes, that is right - Pet Plan will not cover any pre-existing conditions for Kodie. I don't think ANY pet insurance covers pre-existing conditions. Sorry it won't be of more help to you I learned about pet insurance way too late for my cat as well...he was older and already had some conditions so I couldn't really get a plan for him...but for all future pets, I will be enrolling them in a plan as soon as I bring them home, so I don't have to worry about pre-existing conditions not being covered.

For everyone - All pet insurance plans have a long, detailed list of what's covered and what's not (toooo much info than we can post here, hehe!) so it's important to read over it carefully before you enroll.

Quote:
Originally Posted by edelweiss View Post
Sue, I think they have PetPlan in the UK but certainly not here in Greece. I am mainly thinking of taking it out for when I am stateside. We are thinking that we will spend 1/2 yr. in the US when we can arrange our schedule to do that. We need to get our house ready to put on the market at some point! We would spend the majority of those 6 months in TX.

Regarding pre-existing---I am not sure how to define that as we have no conclusive diagnosis for Kitzi's limp. 4 orthos & not one agrees w/the other. Most say the LP isn't bad enough to do surgery, but can't explain the limp. One said possible ACL but nothing conclusive. I do think we would just pay for that surgery out of pocket IF we can ever get a diagnosis!
My real problem is I have no vet reports in English---only Greek or German! All of his blood work is fine so far (haven't done the tick-borne test yet!) so nothing there. I don't mind giving his history honestly--outside of the neuter/teeth (baby) removed, poison episode & limping there isn't much to tell. But then he is only 1 yr. old!
Sandi, I believe Kitzi's limp will definitely be considered a pre-existing condition because he has had symptoms of it for a while. Even if no confirmed diagnosis has been made, if the medical history lists any symptoms of a condition that started before you enrolled in a plan, that won't be covered. That is my understanding, anyways.

Hmmm...the medical records being in Greek could pose an issue. I would give Pet Plan a call or email them to explain your situation and see how they would handle it...?
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Old 05-17-2011, 12:27 PM   #25 (permalink)
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nida u explained it beautifully , u even explained the deductable part that i still didnt understand about my insurance lol .im definitely going to look into this now , because it definitely scares me that something could happen and i wouldnt have the money , because some ppl can do it but i basicaly live paycheck to paychk u knoe .. thanks for explaining !
Quote:
Originally Posted by Bailey&Me View Post
Hi Liza - I can try and help you. I don't know much about the other plans because I did my research a while ago, but I can tell you a bit about how PetPlan works, if you're interested.

Here is a chart that lists their three different plans: Bronze, Silver and Gold. Petplan's Flexible Dog Insurance Policies

I have the Bronze plan which means I can get a maximum of $8,000 a year in reimbursements. The Silver plan is $12,000 a year and the Gold is $20,000 a year.

Once you choose the plan you want, you have to select a level of Co-Insurance and Deductible. Both of these are the amount YOU are responsible for paying.

A deductible is the dollar amount you pay for each incident before Pet Plan will reimburse you. I chose a $200 deductible for each incident/condition. So, for example, let's say the total cost of this incident with Bailey was $1,000. Straight off the bat, I was responsible for $200 of that. So that leaves $800.

The co-insurance is the percentage of the costs that you pay after the deductible has been met. I chose a 20% coinsurance. So, in Bailey's case, if the total was $1,000 minus the $200 deductible, that leaves me with a total of $800. I am responsible for paying 20% of this $800 which is $160 and Pet Plan will cover the rest.

So, from the $1,000 total vet bill, I have paid $200 for the deductible and $160 for my 20% co-insurance. Pet Plan will pay the rest, which is $640.

Once you choose which plan you want - the Bronze, Silver or Gold, you then have to decide what you want your deductible and co-insurance to be. You can choose your deductible to be $50, $100 or $200. You can choose your co-insurance to be 0%, 10% or 20%. Your monthly cost of the plan will change based on the co-insurance and deductible you choose. I chose the plan with the least coverage - Bronze, with the highest deductible of $200 and the highest co-insurance of 20% - because the monthly cost was really inexpensive. You can choose a lower co-insurance and lower deductible if you can afford higher monthly costs - then your coverage will be better than mine and you will be responsible for less of the total cost than I described in my example above.

*** Please keep in mind that you are responsible for paying ALL costs up front. You can then submit a claim and Pet Plan will reimburse you as per the plan you have chosen.

Hope that helps!!!
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Old 05-17-2011, 12:45 PM   #26 (permalink)
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Originally Posted by uniquelovdolce View Post
nida u explained it beautifully , u even explained the deductable part that i still didnt understand about my insurance lol .im definitely going to look into this now , because it definitely scares me that something could happen and i wouldnt have the money , because some ppl can do it but i basicaly live paycheck to paychk u knoe .. thanks for explaining !
You are very welcome, Liza!!! I'm glad I could help and if you have any more questions, feel free to PM me.
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Old 05-17-2011, 12:46 PM   #27 (permalink)
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Not to completely flood this thread with my posts, but I wanted to add one more thing. I forgot to mention that at the same time that Bailey got sick, I had a senior cat who was going through major medical issues. Isaiah had been sick for several months and we had been going through constant vet and specialist visits, numerous tests, medications, etc to get a diagnosis. I had already spent thousands of dollars on Isaiah’s issue so when Bailey got sick, I really could NOT afford another $3,500!!! That is why I am SO glad I had gotten insurance for him. Isaiah did NOT have insurance so I had to pay for all his medical costs out of pocket – when we finally did get a diagnosis, we found out it was advanced cancer with really no treatment options, so we could just kept him comfortable for the time he had left. We paid for in-home vet care which included weekly visits by a vet for “hospice” care, and daily visits from a vet tech to give him all his medications, plus the cost of all his medications. Roughly, I was paying $200-$300 A WEEK for Isaiah’s medical care – for about 3 months (this is just after the diagnosis, not even counting the thousands of dollars leading up to it).

So, Bailey’s illness came at a really difficult/bad time for me. This is why I think it’s important for especially people with multiple pets to have insurance – you never know when more than one of your pets could get sick/injured at the same time! Between Bailey and Isaiah, my vet care costs for those couple of months easily added up to about $10,000. I’m just glad at least some of it was covered through insurance – without it, I may not have been able to provide the same level of medical care for both of them.
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Old 05-17-2011, 01:10 PM   #28 (permalink)
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[QUOTE=Thanks Lynn! Wow, I didn't know Tilly had HGE - that must have been so scary! Yeah, the emergency clinic here is EXTREMELY expensive as well. They monitored Bailey for one night before he had his surgery - he just needed fluids and some meds through IV - and that cost about $600 just by itself! If I ever needed to take Bailey in to the ER for an emergency that he had to get treatment for there, the cost could very easily be in the thousands.

I remember looking in to VPI as my employer offers a discount on it too - not nearly as much as yours though! I know it's a pretty popular plan too. I think I remember VPI only allotting certain $ amounts for each procedure, right? Like an X amount for blood panel, X amount for dentals...is that right? Vet care is VERY expensive in my area, much higher than in others, so I figured that wouldnt work for me. So I chose to go with PetPlan instead because I just wanted emergency coverage, and wanted a plan that would reimburse based on actual costs. I think VPI is pretty good though and I'm glad it's been working so well for your three!
[/QUOTE]

VPI contacted my Vet's office directly for the data/records that they needed. I know that they do not take on any dogs age 10+ so I was lucky that I got Secret on this year. Actually the plan that Secret has is the newest VPI plan and is much better than the one that Lacie and Tilly have (but same cost). It covers a lot more. I will not be able to change Lacie and Tilly's plans until December (anniversary date of their insurance) but then all 3 will be on the new plan. I believe that they have 3 different plans. The one I have is for catastrophic and then you put a rider on for the annual items. They pay like clockwork. I'm reimbursed within a week of submitting my claim and am able to fax my claim to them. Since having VPI, however, I have not had anything MAJOR to be covered -- just annuals and dentals. But in the long run, I think the 3 insurance companies that have been mentioned here are all very good and that having catastrophic coverage (in particular) is extremely important.

(And, Nida, I was terrified when Tilly got HGE. Luckily DH had not gotten sick yet and was home. The thing that really got to me is how quickly this progressed. I believe that she would have died if I had been at work all day and she hadn't gotten vet care until I arrived home. Actually, our Dr. Jaimie is the one that calmed me down and helped me get through it. Just as quickly as it came on, it left. She was completely find within 2 days.)
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Old 05-19-2011, 10:56 AM   #29 (permalink)
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My goodness, Tilly's HGE episode sounds awful. How firtunate that your DH was home with her and got her the care she needed immediately! Poor Tilly! HGE was one of the possibilities someone had mentioned to me when Bailey got sick. I need to do some more research on it so I'm aware of the symptoms because it sounds like it's important to recognize the signs asap.

VPI does sound pretty good...I havent looked at it in a while, but when I get my next puppy, I am going to look in to all the different insurance companies again as I know there will have been changes to their plans since I first did my research. I won't have any pets without pet insurance again...even cats...because even though I barely had to spend any money on vet care for my cat for most of his life, outside the routine things, his last few months were very, very expensive. So to me a small payment each month is worth it...even though yes, it's another monthly bill which is a pain...but it's those huge unexpected emergency/major illness vet bills that would be a real issue.
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Old 05-21-2011, 08:52 PM   #30 (permalink)
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Thank you for your post. I am going to get pet insurance next week for Sammie.
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