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Diana and Charlie
Petplan Insurance
Fri Sep 29, 2017 5:57pm

Hello Zoo! It has been a while since I have visited. I am sorry to read of the losses, it is always heartbreaking. My deepest condolences to you.
We moved into our new home at the end of July and I had my gallbladder removed in August, so just now catching up on things. I finally got around to contacting Petplan today to update my address. We just moved to another part of the DFW metroplex this time and my premium has gone up over $200. This was on top of the over $300 that it went up when they got the new underwriter this year. This is for $15,000 limit with $450 deductible and 90% reimbursement. The lowest reimbursement of 70% is still $931 a year. The lowest I can get my premium with the $15,000 limit is $566 by having a $2,500 deductible and 70% reimbursement. Charlie is 11 years old now. In three weeks we will have had a check up at his vet, an eye infection treated and a dental is coming up next week. That will total almost $1,000 and none of it will be covered by the insurance. I am seriously considering canceling the insurance and taking my chances on his health. I know I will not be able to get any insurance from another place that would cover any preexisting conditions so would have to self-insure. Has anyone else done this? I am very conflicted as to what to do. Any comments about your experiences with older doodle vet bills or insurance are greatly appreciated!

    • PetplanSD&B, Sat Sep 30 7:04pm
      One thing to keep in mind is that the deductible is per incident. (They do have a per year deductible now, but neither Sundog nor Barney qualified for it.) If the deductible is per incident, you will ... more
      • If the next claim if for the continuationLucyR(Ozzie's Mom), Sat Sep 30 10:04pm
        of a previous claim; e.g., more care for the same problem, then the deductible does not apply. At least, that is my understanding. Our experience has been with Ozzie's back issues, which are... more
        • Yes, that's true.SD&B, Sat Sep 30 10:42pm
          Your understanding is correct. That is considered one incident, which may require multiple treatments. The multiple treatments for the same incident are covered by one deductible. We've dealt with... more
    • I have Pet Plan for OzzieLucyR(Ozzie's Mom), Fri Sep 29 11:52pm
      He is 13 years old. Our premium is $1400/year with 70% coverage and $700 deductible. Ozzie has had several procedures, including dental surgery and "bump" removal, which were over $1000. I figure 2... more
    • I know this dilemma!Linda P and Bear (RIP) and Max in OH, Fri Sep 29 7:46pm
      We never got insurance on our sweet Bear. He didn't need it until he was about 11. If we had paid $700 per year for insurance, by the time he needed care, we would have broken even. He was in... more
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