I do not do annual vaccinations; I do distemper and rabies every 3 years. We are out in the woods a lot. Lepto is not much of an issue in this area. Never had problems with coverage.
I would not have the insurance were it not for liklihood of injuries.
Some of our team dogs have had some pretty bad vet bills due to injury and since they often work offlead they also have an ID plate with VPI toll free number and their policy number (I don't do tags) I verified that injuries incurred for working dogs were indeed covered.
Back when I looked into it the policies dropped a lot of breeds at eight years old. Just when they were getting old enough to maybe develope age related problems.
Look at the policies and ask questions - I have had VPI for 3 years, my rates have not increased (even a big claim for a broken tooth/root canal) and they don't (according to web page and verbal) drop dogs as they get older.
Melissa Thom Webboard User Reg: 12-04-2007
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Loc: Upper Left hand corner, USA
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I drop $50 -$75 a month into a savings account for the dogs after an initial investment of $1000 to open the account. Since I basically have three house dogs that more than covers most of the incidents they can have.
When you look at the cost of insurance you have to consider all the things they don't cover (OMG it's a list.) vs the things that can actually happen to your dog. Basically anything genetic, related to breeding, etc is out. Accidental damage like broken legs etc are covered but beware the co pays and any diagnostic testing fees.
Sandy Moore Webboard User Reg: 07-25-2006
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Loc: AZ
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Quote: alex corral
I remember we had a discussion about this a while ago. Sandy Moore I think was wondering wether it was worth it. What I did was, I got cc w/"care credit". It's like a medical credit card and if you spend over $300 (I think), you have 12 mos interest free. You can use it for your own medical expenses or for veterinary care. http://www.carecredit.com/
Yeah, that was me. I ended up getting VPI and Care Credit. Care Credit is great cause there's no monthly fee, it's just basically a line of credit that's extended to you and you use it when you need it. As Alex said, it's purely for medical, either human or pet.
This annual vaccine discussion is something I hadn't seen. I'm going to call VPI and ask if that's the case. I hope to heck it isn't!
This plan was made available to me through my search dog orginization. Most plans we had looked at in the past would not cover a dog that was hurt while working. I have chosen the "medallion" level of covrage. Each year the amounts are renewed. http://www.petplan.com/dog/cover_for_life/index.aspx
Like Nancy I finally got the coverage after shelling out for some work related injuries. Since I have gotten the coverage I have not used it, but a co-worker of mine has used it for a gastro related issue and cuts (work related caused by ski edge) and has not reported any issues or increase in coverage.
My work coveres my premiums in the winter, I pay in the off season so it is a good deal for me I think.
Carol Boche Webboard User Reg: 10-30-2005
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Loc: South Dakota, USA
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Sandy,
Thanks for the link to Care Credit. All of my dogs (except the Lab) are on the fire department in the SAR division, so there is insurance for them through there.
Until The Tale of the Lioness is told, the Story will Always Glorfy the Hunter
They have pages and pages of info and FAQ - and you can call and ask. Think of the level of coverage more akin to what you get with human dental as opposed to what you get with human medical.
For the annual vaccine thing, please report back because I have NOT done that and it has NOT been an issue with claims.
FYI - Elaine gave a link to a pet insurance review site. That link has links to the insurer sites - I may revisit it myself.
Elaine Haynes Webboard User Reg: 08-16-2005
Posts: 1221
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Petplan also is available in the United States and is the plan I'll most likely go with pending checking on the vaccination rule. I'll also probably set up something with care credit.
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Re: Anyone have pet insurance?
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