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SD&B
Petplan
Sat Sep 30, 2017 7:04pm
24.119.137.84

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 have to pay that first. Also, you have to pay the % reimbursement on the deductible portion too. So you need to figure all of that into your calculations.

For the $566 premium, you would have to spend $2500 + 30% ($2500). Getting to $3250 before they pay a penny and then getting 70% of the remaining costs. Plus you already paid the $566 premium on top of that. Of course, there are some incidents that will rack that up pretty darn quick and continue climbing.

It gets hard at this age to figure out if we should self insure or not. We paid the premium.

Just a note, your premium probably went up when you moved because they figure premiums by zip code. Ours actually went down a bit when we moved several years ago.

  • Petplan InsuranceDiana and Charlie, Fri Sep 29 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... more
    • Petplan — SD&B, Sat Sep 30 7:04pm
      • 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
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