quick release Posted September 4, 2012 Share Posted September 4, 2012 Anyone have experiences (good or bad) with pet insurance? Or a vet discount company like petassure.com? My dog is a 5 year old boxer and has developed an epulis (benign oral ulcer) on his gum. At some point, it will need to be removed, and I know this might be pricey. I'm trying to figure out how to get this covered by insurance. Would this be a "pre-existing condition"? What's preventing me from getting insurance for a month, getting covered for the surgery, then ditching the insurance after? Link to comment Share on other sites More sharing options...
josh Posted September 4, 2012 Share Posted September 4, 2012 Yes, that is a pre-existing condition that the insurance would not cover. Link to comment Share on other sites More sharing options...
quick release Posted September 4, 2012 Author Share Posted September 4, 2012 Damnit. Well if I pick up insurance and then go to a clinic in 3 months time, how do they know its a pre-existing condition? Follow me? Link to comment Share on other sites More sharing options...
josh Posted September 4, 2012 Share Posted September 4, 2012 How do you know the dog has this? Did a vet say he had it? Documented anywhere? Link to comment Share on other sites More sharing options...
quick release Posted September 4, 2012 Author Share Posted September 4, 2012 Yeah. Vet knows although they don't think it's a big deal. But how does the insurance know? They contact my dog's vet and get his recent info? Link to comment Share on other sites More sharing options...
josh Posted September 4, 2012 Share Posted September 4, 2012 They might require you to send in records or they may look the dog over with their own vet. Still, like all insurance companies, they can reject anything. Link to comment Share on other sites More sharing options...
Bluephoria Posted September 4, 2012 Share Posted September 4, 2012 If it was that easy to get around the system everyone would do it. lol And I don't think you want an insurance fraud charge on your record.... your life would be fucked. Link to comment Share on other sites More sharing options...
Pete Posted September 4, 2012 Share Posted September 4, 2012 Total ripoff. Not worth it. Link to comment Share on other sites More sharing options...
NYR2711 Posted September 4, 2012 Share Posted September 4, 2012 I have pet insurance, I use VPI and have used it since my I got my dogs as puppies. It works pretty good, and is based on the age of the dog. It goes up a little every year, I pay a little I've 40 a month, and they do cover a lot. I pay my vet bill in full, then I submit the bill and get back a certain percent. Sometimes I get nothing back, and sometimes I get a good amount. When you get it, you have to see what add on packages they have as well. I don't think it matters on pre-existing conditions. My dog had a hernia as a puppy and they still covered his surgery, we just never told them about it. I don't think they contact the vet because we have to submit everything, not the vet and I don't think they ever asked us for our vets name. Link to comment Share on other sites More sharing options...
viventi Posted September 5, 2012 Share Posted September 5, 2012 I have insurance for when Max is in my car through Progressive. Thats about it. Link to comment Share on other sites More sharing options...
quick release Posted September 5, 2012 Author Share Posted September 5, 2012 I think there might be some that cover pre-existing conditions. I'm looking into that right now.. probably expensive but if they cover a 300 dollar surgery I guess it's worth it. Link to comment Share on other sites More sharing options...
quick release Posted September 5, 2012 Author Share Posted September 5, 2012 Also, looking into "Pet Assure". 3000 vets honor the membership and basically you just get 25% off everything at the office. The whole bill including surgeries, shots, anything. You dont even have to make a claim. And if you dont like it after 45 days you get a full refund. Plus it only costs 10 dollars a month (for my one dog anyways). • $0 Deductible • Instant activation - no waiting period • No Exclusions, denials or claim forms • Pre-existing conditions welcome • EXTRA Savings! Receive 5% - 50% off on pet products at select online merchants • FREE Lost Pet Service! Receive a collar tag and register all your emergency contacts in our system. If your dog gets lost and the number is called, operators will contact you 24/7/365. Nice. I like that. Link to comment Share on other sites More sharing options...
Pete Posted September 5, 2012 Share Posted September 5, 2012 Also, looking into "Pet Assure". 3000 vets honor the membership and basically you just get 25% off everything at the office. The whole bill including surgeries, shots, anything. You dont even have to make a claim. And if you dont like it after 45 days you get a full refund. Plus it only costs 10 dollars a month (for my one dog anyways). Nice. I like that. There has to be a catch. Otherwise, I'd look into it for sure. Link to comment Share on other sites More sharing options...
quick release Posted September 5, 2012 Author Share Posted September 5, 2012 There has to be a catch. Otherwise, I'd look into it for sure. Nope. I can't find one. I mean it's only 25% of the bill, which isn't all that much. I'm sure they make out in the end. Also, the signup fee is only 10 dollars! 2 things to note though. 1.) You're very limited to the vet offices that cooperate with Pet Assure. I just called the only place near me and they seem a little bit on the pricey side to begin with. 2.) They cover "professional services" only. This means everything and anything with the exception of anything you would bring home.. I assume this being drugs and stuff, although theres a major discount through their approved vendors. Haven't looked into that much though. Definitely going to try this out when I take him in for surgery. Link to comment Share on other sites More sharing options...
Blue Heaven Posted September 9, 2012 Share Posted September 9, 2012 My wife's bro is a vet, when we got Oliver (Bulldog, which is known that the breed has MANY health problems), he said its not really worth it to have pet insurance. He said basically put X amount of dollars per paycheck in some sort of account and use that for when your pet needs to go to the vet. Link to comment Share on other sites More sharing options...
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