Need Information about pet insurance

[mjsmittyjr]

Does anyone have any information on pet health insurance, if so

1. Who is the best to go with or
   
2. Is it just better to put up what it would cost in premiums in a health care savings fund and use it to pay the expensive procedures if you need to have one done
   
3. I don't think most vets offer a payment plan so sometimes it a lot of money up front for some procedures.
   

[Riverdog]

I'm not up with all the insurance companies anymore. I did look into a few of them right before my elderly dogs died. I really should look into a few of them myself.

I did find a site that gives the breakdown of what each company covers.
Pet Insurance Reviews

Looking at the list http://petshealthplan.com looks good.
From the site: "Pets Health Plan" insurance policies pay 80% of all allowable vet expenses and medications, with no per incident deductible ($100 per year flat deductible). They have the same policy for filing claims and reimbursements.

[mjsmittyjr]

Just checked out the one with ASPCA, it doesn't cover congenital/hereditary issues, and with a rottweiler that may or may not get hip or elbow problems, I belive they would say this is herditary, even if the parents don't have it. I think this will not do me any good.
Their definition:
A congenital condition is one that is considered a birth defect, or a defect in growth development. A hereditary condition is one that may have been passed down from an animal’s parents or through the breed. Both congenital and hereditary conditions can manifest or show their symptoms at any time during a pet’s life and are not covered under our plans.
I just checked out several more, none of them seem to, kinda like with insurance for us, it cover anything that might not happen and if it might happen it not covered.

[Riverdog]

How does one decide? So if your dog gets epilepsy and it is a breed specific problem your pet does not get covered. BUT if your dog gets epilepsy and it is not breed specific then your pet is covered?? That stinks.

[mjsmittyjr]

The insurance company only want to make money, they don't want you to use it just pay it.

[Sponsored content]