Any recommendations for health insurance? - Doberman Forum : Doberman Breed Dog Forums
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post #1 of 10 (permalink) Old 02-25-2019, 07:08 AM Thread Starter
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Any recommendations for health insurance?

I’ve done a lot of google searching for a good insurance for my Morticia and was going to go with nationwide.. but thought before I go thru with it maybe ask here! Some Of my friends said good things about nationwide.. but I’m still unsure!
I also wasn’t sure if it was worth paying each month and not needing it often but now I’m thinking she may need a lot more than her shots!!
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post #2 of 10 (permalink) Old 02-25-2019, 10:25 AM
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Others will chime in real soon on this question......hold tight....

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post #3 of 10 (permalink) Old 02-25-2019, 10:27 AM
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I have Healthy Paws, one thing I recommend is that you choose an insurance with a yearly deductible vs. a per incident.
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post #4 of 10 (permalink) Old 02-25-2019, 10:32 AM
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I have had Embrace for years, and recommend it. It's important to understand what is and is not covered, what your deductible is, what might be pre-existing, whether genetic or breed specific conditions are covered, etc. I recommend calling and talking to a representative to be sure you understand your policy. I see so many people upset with the company when something isn't covered but they clearly did not understand the policy they bought.
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post #5 of 10 (permalink) Old 02-25-2019, 10:47 AM
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Nationwide used to be VPI, and they screwed us for multiple thousands of dollars. Plus their rates jumped this year.

Read all the reviews you can.

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post #6 of 10 (permalink) Old 02-25-2019, 11:37 AM
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I have Embrace. I prefer the annual deducible that they offer as opposed to the per incident.

They also lower your deductible for your next claim $50 every year that they don't pay out. Of course the minute they do, your deductible goes back up and you start over again. McCoys deducible is currently down by $200.

When I was looking for new insurance, I was a bit confused by the different company's offerings and even their offerings within each company. With most, you can pretty much tailor a plan to fit your needs. So I talked to reps from several companies. The two that impressed me the most were Embrace and Trupanion. I went with Embrace simply because of the way they handle the deductible.
McCoy has never been sick, so I can't speak to Embrace's handling of claims, but everyone I now that has Embrace and made claims has been happy.

A couple of other things:
-Pretty much everyones pet insurance went up fairly drastically this year.
- Get insurance ASAP. It will save you having to deal with "pre-existing" conditions issues.

John
Portland OR
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post #7 of 10 (permalink) Old 02-25-2019, 12:20 PM
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I have Pet Plan, they've been good about covering claims for me but their deductibles do go up every year, sometimes by quite a bit. I like them because they cover exam fees, medicine, and physical/alternative therapy without needing any riders. They also had the most liberal exclusion list when I was researching companies a couple years ago. Every time I get a new dog I re-evaluate all the options and I have always stuck with Pet Plan, I've used them with 4 dogs over about 8 years. I made a profit on my two that have passed (wobblers, cancer, arthritis, pneumonia, etc.), but haven't made a lot of claims on my current two.
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post #8 of 10 (permalink) Old 02-25-2019, 09:26 PM Thread Starter
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Thanks so much! I don’t think I looked at embrace! I signed up with nationwide when I got her BUT quickly cancelled as I wanted to do more research first!! I wasn’t even sure I’d really use it and now of course, with what’s going on I wish she had a currant plan!

Looks like I have some homework to do! And yes I got a bit overwhelmed at what’s covered and what’s not as it wasn’t clear to me with the few I was looking at! I like the idea of calling and having it explained.

Thanks so much everyone for getting back to me! I thought this was the perfect place to ask as I’m surrounded by animal families who care! I’ve never had a pet insurance so it’s all new!
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post #9 of 10 (permalink) Old 02-27-2019, 09:50 PM
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I have Embrace for both my dogs a dobie and a yellow lab 15k per year 90% coverage and ortho waver for instant coverage with vet check. also we got the wellness coverage which is your pool of money and they add some to it a little but it takes care of annual dental and check-ups shots lavb and that sort of thing. chose them over nationwide offered at my wife's work.
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post #10 of 10 (permalink) Old 02-27-2019, 09:57 PM Thread Starter
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Quote:
Originally Posted by burkehinman View Post
I have Embrace for both my dogs a dobie and a yellow lab 15k per year 90% coverage and ortho waver for instant coverage with vet check. also we got the wellness coverage which is your pool of money and they add some to it a little but it takes care of annual dental and check-ups shots lavb and that sort of thing. chose them over nationwide offered at my wife's work.
Thanks! So good to know! I wanted one that included wellness too!! And dental! Looks like embrace will be the way to go!
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