SacPaws.com

I am just in the process of looking at this now - it is very confusing and I have never had it for my pets in 35 years of having family dogs - but with the economy it is a little scary. 

It is confusing looking at all the information on the internet and I think what has helped me the most is the chapter in Dr. Nancy Kay's book Speaking for Spot: Be the Advocate Your Dog Needs to Live a Happy, Healthy, Longer Life (www.speakingforspot.com).  It has a great review of pet insurance that helped me sort of organize my thoughts and several pages of questions to ask the pet insurance companies. 

Dr. Kay's book was very helpful in helping to sort out coverages.  Our dogs have genetic health issues which are treated differently by the different companies and that would defeat the purpose for me to have something like that not be covered.

We are pretty close to deciding and I think in all likelihood the balance will tip in favor of getting the insurance.

Do as much reading as you can, know what questions to ask and then compare, compare and decide.

Last edited by HollyBolly (01/26/2009 9:43:45pm)

I have VPI for 3 of 4/dogs. VPI will deny any claim it can to get out of paying like for my Weimer's Addison's Disease. I fought them for 6 months. Finally they paid only after I had to prove its not genetic! I cap out on her meds about 6 months into the policy.

They denied my Dalmatians Purine Crystal issues since its a Dalmatian genetic defect.

Denied another Dal's allergies but did agree to cover my other Dal's allergies b/c I filed a claim for the first one, it was denied and I admited it was a preexitsting condition, otherwise it would have been covered! :-(

Been with them 3 years now and not sure if I will renew or try another plan. hate to take the addison dog off a paid insurance carrier just to get her denied by a new one.

I've had VPI for 6 years now and have had very good luck with them.  Last year was the first year that the reimbursements did not exceed the premium paid; which was a good thing, meaning we had no major medical issues for my 10 year old Coton.  I did learn, however, that just like in "human" insurance it's often how you submit the claim that makes the difference.  I would shop around for prices vs. coverage in the future but would certainly always have insurance for my pets.

Well friends,I have two pet dogs at my home.None of them have insurances.I am also wondering for the some good insurance plans which are at lower cost and efficient for them,I have see those links that you have shared by the other members before me.Please share more some plans and policies for them.Well I appreciate you for your support and related suggestions..