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Old 08-17-2013, 02:02 PM   #11
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I am going to be paying about $35 per month. They cover all accidents, injuries, and illnesses as long as they are not considered a pre-existing condition which thankfully I won't really have an issue with (they can do all medical reviews within the first 30 days of the plan this way you can back out and get your money back if you decide they are not for you, you just have to request the medical review). As long as you enroll the dog prior to their 6th birthday they will cover hip dysplasia at no additional cost as well as all hereditary and genetic problems your dogs breed usually encounters. There are also no limits as to how much they will cover in each policy period and over the course of the lifetime of the dog. With my $35 I have a $100 annual deductible (not per incident like a lot of other popular plans) and 90% reimbursement.

If you have any other questions let me know! I hope I never end up having to use it but the way I see it, I'd rather pay the $35 a month now which I can afford rather than have to deal with a major expense that I won't be able to pay.
What other extra's do you get for that? It's not bad but a tad expensive! You will have a cooling off period of 7 days if you aren't happy for any reason (I think you mentioned that!) Have you gone through all the small print? Won't each condition have a limit imposed on it? And what about having a condition on regular basis checked/treated every month say is that covered too, as many times as it's needed? Do you have to pay a excess charge for each condition you claim on on top of the annual $100 fee? And what's the refurbishment 90% all about, is it money you get back in some way we problably call it something different in the Uk
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Old 08-17-2013, 02:18 PM   #12
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I've read and re-read the policy multiple times. It covers the diagnostic treatments to determine what might be wrong, any surgeries, hospitalization, and prescription medications needed. It does not cover pre-existing conditions, the fee for the vet exam (but it does cover all of the treatment provided during the exam), or preventative care. There are no limits per claim per year for the pet's lifetime as long as the conditions were not present prior to enrollment. There are also no excess charges. You have the $100 annual deductible and then they reimburse you (pay you back) for 90% of the cost.

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Old 08-17-2013, 02:25 PM   #13
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I've read and re-read the policy multiple times. It covers the diagnostic treatments to determine what might be wrong, any surgeries, hospitalization, and prescription medications needed. It does not cover pre-existing conditions, the fee for the vet exam (but it does cover all of the treatment provided during the exam), or preventative care. There are no limits per claim per year for the pet's lifetime as long as the conditions were not present prior to enrollment. There are also no excess charges. You have the $100 annual deductible and then they reimburse you (pay you back) for 90% of the cost.
So paying for a exam fee every single time he needs a exam ( is this set fee or dies it depend on what he is being examed for? And you get 90% of the anuall fee back! And no excess charge hmm not bad though
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Old 08-17-2013, 03:04 PM   #14
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Yes, you have to pay the exam fee, which for my vet has averaged anywhere from $25-$35 depending on what we were being seen for. That was the only downfall of the plan. Each plan I looked at had downfalls, I just had to pick the one I felt would be the best in the end and with no limit on coverage and no add-on package for hip dysplasia or hereditary or genetic conditions, I felt that this one would be best for us. Since my dog is rescue I have no idea what he could possibly have in him so I wanted to make sure most things would be covered.

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Old 08-17-2013, 11:38 PM   #15
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It sounds like a good policy to me. 35 a month is a pretty good price. No policy is going to be picture perfect, but in the long run, it will be worth it.

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