January 29th, 2010 → 6:23 pm @ admin // 2 Comments
I’d love to hear from people who HAVE PetPlan insurance (others with expertise in pet insurance are welcomed too). I have a 3 year old indoor cat, Sadie. My love for Sadie is much deeper than my wallet, LOL. My main concerns involve Sadie developing cancer or some other long term condition. I’d hate to have her put to sleep for a treatable condition due to inability to pay! According to my research, PetPlan is the only pet insurance which will continue providing care from year to year (i.e. won’t consider a previously diagnosed condition “preexisting” providing it developed after the insurance was first purchased). Sadie currently has no known illnesses. Does PetPlan really live up to their image? How does it work: do you have to pony up the money first and wait for reimbursement, or if your pet needs a procedure to save her life, will they pay for it (given that you’re met your deductible and co-pay requirements)? I’ve never dealt with pet insurance so need your help. Thanks!
the cats' mother
2 years ago
I have had numerous policies over the years with Pet Plan as I have had 30 cats insured over a period of about 25 years. I live in Canada so it could be different but. I found them to be very very good. They were always very prompt in payment. I had to pay the whole bill first (though I do know now that some vets will bill directly) and then submit the bill. My vet had to complete a form for me. He never charged me to do this but other vets may. I never had any of my claims turned down. I do not
have Pet Insurance now and the reason is the premiums go up as the pet ages. This is normal because lets face it the older the cat is the more likely it is that it will get some disease or problem even if it is indoors or outdoors. Also as they get older the deductible goes up. As I had 8 cats and each year the premium went up and the deductible went up it just got too expensive and I had to cancel it. With you only having one cat it should not be a problem. It doesn’t go up huge amounts one single animal like maybe 10. or something a month. I think pet insurance is an extremely good idea. By the way there is another pet insurance plan called vet insurance which says that if you insure with them the premiums never go up no matter how old the animal is so if you insure when it is a kitten or fairly young the premiums will be really low. I believe their deductible is actually just the cost of the first visit to the vet. A friend of mine who works as an animal tech has that insurance. I think their website is
vetinsurance.com (all one word)
alf32895
2 years ago
they are really expensive so if you can afford it good luck!