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I have PurinaCare pet insurance for my Dobermans & they are selling to 24PetWatch as of May 1st. 24PetWatch has bad reviews and they won't insure my 10yr old Dobe. I was wondering if any of you have insurance with any other companies and what you think of them.
 

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I use Trupanion and it has proven itself well. I signed up for the free 30 day trial after my first vet visit with my 13 week old Shelby. Not a week later she got very sick. $1400 in vet bills - Trupanion covered 90% of this with no questions asked. Well worth the money!



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Love the Nub
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I second (err...third?) the recommendation for Trupanion.
 
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whatever you do, *don't* use VPI.
 

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Pet Insurance

We enrolled in Healthy Paws when our Dobie was about 6 months old. After much research we settled on them and they have been great. I like the choice of deductible and co-pay. The deductible is annual, not per incident like most insurance companies. They don't cover annual shots or office visits. So, our last visit cost us about $330. In 4 days, we had a check for $260 (we go with a $250 annual deductible and 10% co-pay). Once you're established, you scan and email the claim form, receipt, and any relevant records. Within 24 hours, they respond with a detailed explanation of the money you'll receive. A check arrives within 3-5 days. They usually follow-up with emails asking about your dog's specific health issues (someone actually sits down and writes an email to you). I highly recommend this insurance company.
 

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I have PurinaCare pet insurance for my Dobermans & they are selling to 24PetWatch as of May 1st. 24PetWatch has bad reviews and they won't insure my 10yr old Dobe. I was wondering if any of you have insurance with any other companies and what you think of them.
What bad reviews do they have?
We also have Purina Care and just received a letter from them. That our advanced payment will cover for May. But then our existing PurinaCare policy will not renew with PurinaCare at the end of May. At that time 24PetWatch will present us with an offer to renew in advance of our renewal date.
One good thing any existing medical conditions currently covered by our PurinaCare policy will not be considered a pre-existing condition of when we renew into 24PetWatch Pet Insurance Policy that will provide very similar coverage.
 

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May I ask why? My husband's employer offers this insurance and we are considering purchasing the premium plan.
i had an awful time with reimbursements and they wouldn't cover any of the care surrounding my puppy's death. they also refused to reimburse his euthanasia and ignored my requests to cancel his policy for a few months after his death. i couldn't get anyone to work with me over the phone and it eventually took public shaming on Twitter to get them to pay attention to me.

they were fine with *some* normal things. some. not all. and we JUST finished paying off the $5k in hospital bills we incurred when they assured us they'd reimburse.
 

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Logan and Eva's Mom
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May I ask why? My husband's employer offers this insurance and we are considering purchasing the premium plan.
Also curious. Logans previous owner used them...so i took over when i got him. He has been to the vet one time for his shots...he isnt due back until July. We got him in November. So his semi annual check up is July to just get some boosters etc and be checked out to make sure he is in good health. As far as i knew...there were no other insurances that paid for routine stuff anyway...i pay 26 a month for logan on their premium plan but my normal visits through banfield are only about 110-200 for shots anyway. havent had any additional issues to bring him in to the vet for knock on wood. I am using VPI as precaution. However, i am looking to take him to the optomology specialist to have surgery on his 3rd eyelid which was damaged when he was rubbing his eyes due to his allergies ...i know their whole pre-existing clause might not make him eligible but they wont tell you anything when you call prior to taking him. so i have put off taking him as the vet said its not a dire need and actually surgery is more of an issue then to just leave him alone because he has allergies. I just dont want to take him for surgery and pre-surgical visits to have them slap me with a 4k bill and not get any re-imbursement. So far like i said, i havent had to take logan in for anything additional...I did have him checked for his allergies and that went toward my 500 a year deductible.

Really i am thinking the whole pet insurance thing is a big scam.
 

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xxkrazy, please read the post above yours. i explained my experience.
 

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:)

i don't have a full accounting of what was and was not covered in the 8.5 months he was insured, but there were fewer covered things than there were rejections. it was a waste of money.
 

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Doberman for Life
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I've had great experience with Trupanion and they recently even lowered our rate. Although the deductible is per incidence, which got a little annoying.

But having Trupanion saved Harley's life when he ate a sock in October, or else we would not of been able to afford the surgery.
 

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I also use Trupanion and opted for the zero dollar deductible, since like HarleyBear mentioned, it's PER INCIDENT.
 
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I have been using Pet Plan for years: Pet Insurance - Best Pet Insurance Plans For Dogs & Cats From Petplan.
they even cover things like DCM in our pups ( heaven forbid) and you can choose the options that work best for you. I have never had anyting but excellent service from the- and prompt payments for covered expenses.
I don't have it but I'm another petplan lover.
It covered the best I saw at the clinic and also will cover laser and chiropractic appointments as well as other holistics!


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Dances With Dobes
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After what Trupanion pulled with Halla, I'm never getting another policy for a dog with them, again.

They totally screwed us over with their interpretation of "pre-existing" versus "congenital".

No matter what her vets have told them, they insist something she was born with is pre-existing rather congenital.

We topped out our Care Credit [almost $3K] and they won't reimburse a dime of it, in spite of the fact that as soon as we were told to see a neuro vet, we did.

Now I live in terror that my other dogs will accrue a huge vet bill and we have nothing left in savings after paying for her tests.

I'm done with them.

After 4 years of rarely even turning in an allowed claim, in order to not 'over-use the system', when we finally needed them for something major and catastrophic [the reason we have the insurance in the first place] they blew us off.

The next dog I get will be going with Healthy Paws.

If Odin wasn't already documented as hypothyroidal, I'd switch him immediately, too.

All of the Trupanion reps i've spoken to were cold and brutal.

None of them even said "Sorry your puppy died."

They're not ranked #1...Smart Paws is.

Wish I'd known that 4 years ago.


We enrolled in Healthy Paws when our Dobie was about 6 months old. After much research we settled on them and they have been great. I like the choice of deductible and co-pay. The deductible is annual, not per incident like most insurance companies. They don't cover annual shots or office visits. So, our last visit cost us about $330. In 4 days, we had a check for $260 (we go with a $250 annual deductible and 10% co-pay). Once you're established, you scan and email the claim form, receipt, and any relevant records. Within 24 hours, they respond with a detailed explanation of the money you'll receive. A check arrives within 3-5 days. They usually follow-up with emails asking about your dog's specific health issues (someone actually sits down and writes an email to you). I highly recommend this insurance company.
 

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I just read in my policy today that if your pet is not spayed or neutered before a year they don't cover any cancers associated with the reproductive system, skin conditions associated with hormones, injuries from fights or aggression, car hits..... All I can say is I'm glad I read that and I may as well cancel the policy then. Not happy. I'm with Trupanion.


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