you’d be able to get liability only insurance for less than that, surely that covers other pet costs, such as treatment for the dog.

the max liability going from 1 to 3 million shouldn’t triple the premium since the chances of such a large claim are extremely small.

Also home insurers will rush to put pet liability on their policies, if it isn’t on there already.

Banfield: Pet Insurance
VPI: Pet Insurance
AKC: Pet Healthcare Plan
and
Pet Care: Pet Insurance

I’m not lazy; I have looked through the policies and received quotes. Now I would just like some honest reviews from people who have used these services. Any review you could offer would be appreciated! Thank you very much for your time.
I can see where people are coming from on why you would believe there is no point to it, and I respect your opinion. But to give you an example of why I want insurance: One year, my family and I went to visit family in Upstate New York for the holidays. We brought our dog with us, and someone in the extended family decided to let our dog out to run and play on their farm, and two separate times she came back quilled by a porcupine. After-hours vet care was about a two-hour drive from where I was while gas was over four dollars per gallon, and her bills totaled over $1000. If I had a plan that, for example, was around $50 a month and would cover that emergency, I would have saved a lot of money, seeing as the annual $600 would be far less than what I had paid.

While I do respect every one of your opinions, please understand I am gun-shy about not insuring my new puppy because of these incidents and I am only asking for reviews on companies. Thank you again!

Here’s a great site with customer reviews for each company. http://www.petinsurancereview.com/
All of the companies you listed got pretty crappy reviews. I went with Petplan and I have been very happy and I have saved far more than I have paid in premiums.
Just remember to look at the fine print…..some companies give great quotes with low premiums but they pay nearly nothing back when you make a claim…..make sure they pay based on what you pay and not on what they use as their own pay scale.
A lot of better companies don’t cover vaccinations, but they cover more when your pet is actually sick so you need to figure out what you want better coverage on.

and i need to take him to have exams to see if he is sick or if he has any diseases because
i had a sick bird in my house about two days ago.. and that bird ended up dying so im a bit scared for my cockatiel..

the only insurance i know about is VPI.. and i have seen some pretty bad reviews about it…

does anyone know a about different pet insurances for birds??
Also I live in california…

Try your local Veterinary practise they usually can give the name of a company that can cover your bird.

They do in the U.K.

I have a healthy 10 month old cat. I want to take him for routine care (check ups yearly, shots, dental cleaning). And of course some coverage in the event of an unexpected medical condition. He doesn’t seem to be a very high risk pet i.e. no birth defects, but you never know.

I actually just went through this earlier this year. I didn’t use a comparison per say: just focused on what I whated in coverage. When I got my cats a few years back, I went with Banfield (www.banfield.net) located inside most PetsMart stores. Even though they give you the best coverage for your money, their service is so poor (which made it not so cost effective afterall).

When I sent out to find a new vet, I looked for someone who took my CareCredit card. Once I had a vet, I looked at which insurenace he took and I found VPI (http://www.petinsurance.com/).

I think you should first find a vet your kitten is comfortable visiting and then see which insurance companies know your vet.

Today our vet called us and said he thinks our 7 month old puppy has Addison’s Disease. He is planning to review her file with a few other vets in a couple days, so there is nothing specifically pertaining to Addison’s Disease in her file.

If we get insurance ASAP, would this be considered a pre-existing condition if there were running other tests? (She had Giardia before).

Any information or personal experience about pet insurance would be GREATLY appreciated as we’re looking at about $100/month treatments on a PUPPY.

Thanks!!!
Brandy

When you insure a dog they state that if any condition shows up in the first 14 days the policy can be cancelled, l think this is in case you insure your dog knowing that there is a problem and you haven’t disclosed it.
So if you insure your dog now and say nothing, and then it shows up on any claim form within 14 days, the insurance company can refuse to pay.

Any advice on these, or any others? Thanks.

We have Trupanion pet insurance, the good things about it are that there are no penalties for filing a claim, monthly premiums don’t go up with the pet’s age, and they don’t have breed restrictions. They also cover hip displaysia (not many other companies do) which can be common with Boxer breeds.

More Than are cheap and seem to offer alot for the monthly premium but I’ve read negative reviews on them.

As I’ve answered already to questions like this, while of course it’s your choice, personally I’ve always felt it far better to maybe open a separate Bank account and put a sum aside monthly rather than contribute to Insurance companies. Depends on whether you have an ‘at risk’ breed(s) too (although in that case, your premiums will be loaded!) but provided you have basically healthy dogs, your vet bills should be minimal. Over the years, this has been the case, generally, with our hounds – and as we kept numbers, insuring them was not viable. We had a good relationship with our vet who knew we’d pay her before putting food on our table, if necessary – and she allowed us to stage pay any unexpectedly big bills we did have.

I took quotes on my puppy Whippet when our numbers were down to just two dogs and even with a breed like a Whippet, which is relatively free of hereditary problems, the quotes I got were horrendous. And the excesses were the nail in the coffin. Most set these (UK) at around £75 which, how amazingly, you’ll find most vet visits come out well under – which means you end up paying the vet in any case, plus the monthly premiums!!

I’d advise you to shop around because they do differ – my brother in law, who checks everything (!!) uses More Than, but I think companies like the big supermarkets, Tesco, Sainsburys, are competitive.

Pet Plan came out way more expensive (for what extra?) than others when I checked by the way.