Veterinary Pet Insurance - Review - YorkieTalk.com Forums

irishawk · 03-03-2007, 12:24 PM

For anyone considering pet insurance, I just wanted to give a review of my first experience with VPI. Howie got sick after my mother fed him a large handful of yucky steak. He was vomitting and having diarrhea for 3 days. I finally took him to the vet and the bill was $222. Howie's only a year old and I've had insurance for him basically since I got him. It's $20/month. I really wasn't expecting to get anything back from the insurance but.... I got a check yesterday for $150.30!!! YAY! It's nice to know that the insurance really does help out if god forbid something really expensive went wrong!

JeanieK · 03-03-2007, 12:33 PM

Quote:

Originally Posted by irishawk

For anyone considering pet insurance, I just wanted to give a review of my first experience with VPI. Howie got sick after my mother fed him a large handful of yucky steak. He was vomitting and having diarrhea for 3 days. I finally took him to the vet and the bill was $222. Howie's only a year old and I've had insurance for him basically since I got him. It's $20/month. I really wasn't expecting to get anything back from the insurance but.... I got a check yesterday for $150.30!!! YAY! It's nice to know that the insurance really does help out if god forbid something really expensive went wrong!

Not to be argumentative, but. If you've had Howie for 9 months then you have paid $180 in insurance and you still have to pay $72, on the vet bill. That makes your out of pocket $252, instead of $222.

Most everything i have heard on pet insurance is, you are better off to put your $20 a month in the cookuie jar, and then you'll have money if you need it.

Just another point of view. Not meant to be insulting or mean.

bornnygurl · 03-03-2007, 12:35 PM

I had VPI and didn't like it but I'm glad you are reaping the benefits. I didn't like VPI because: They for one didn't cover everything and it got to be a hassle to send in claims after having to front the money and then waiting for the check. On top of that they never paid for all of it. I like my Vet's plan better. You pay once a month and then only pay a co-pay for every single routine visit, surgery, etc. It works more like people insurance.

irishawk · 03-03-2007, 12:38 PM

I know that I'm not dilligent enough to put away $20/month in case of an emergency. I like knowing that if god forbid he gets really sick I have a back-up plan.

JeanieK · 03-03-2007, 12:46 PM

Quote:

Originally Posted by irishawk

I know that I'm not dilligent enough to put away $20/month in case of an emergency. I like knowing that if god forbid he gets really sick I have a back-up plan.

If it gives you a feeling of security then it's worth it. At least your baby was taken care of when he needed it and that's what is important.

Patti · 03-03-2007, 03:03 PM

I have it and with Cali being so sick early on I am way ahead on the premium vs payment. With Pixie I hopefully won't need it much but with 3 dogs anything can happen and I preer to be covered in case.

Dena · 03-03-2007, 03:55 PM

Quote:

Originally Posted by JeanieK

Not to be argumentative, but. If you've had Howie for 9 months then you have paid $180 in insurance and you still have to pay $72, on the vet bill. That makes your out of pocket $252, instead of $222.

Most everything i have heard on pet insurance is, you are better off to put your $20 a month in the cookuie jar, and then you'll have money if you need it.

Just another point of view. Not meant to be insulting or mean.

I completely agree.. I've been thinking about getting it for my kiddos. But in the long run, if I just put away a lil money every month then it amounts to the same thing, and with the insurance, I felt like i'd be spending more.

Anyways, whatever works for everyone is different.

kioana · 03-03-2007, 06:46 PM

well i'm looking for pet Insur. but i can't find one that's any good. I've heard so many bad things about VIP. so i'm glad that your got some money back

Sawyers mommy · 03-03-2007, 06:52 PM

I also have pet insurance, and I wouldn't be without it. This claim was not exceptionally large, but it could have been. Putting 20 dollars a month away would be great if you never have a large claim; but with these little babies the claims can be really large. Congradulations on being prepared, and thank God your baby is fine.

Boogies · 02-04-2008, 04:43 PM

Quote:

Originally Posted by JeanieK

If it gives you a feeling of security then it's worth it. At least your baby was taken care of when he needed it and that's what is important.

Thank you so much Jeanie for that logical post. I was using the search function to locate some info on Pet Insurance, but have decided to simply open an online account that I will electronically fund for our sweet little 10 month old morsel.

Thanks.

-Boogies

GeorgiePeach · 02-04-2008, 04:55 PM

Who did you get your pet insurance through? I have heard about this, but don't know who is a carrier. Any advice?

mojo · 02-04-2008, 04:59 PM

Plus, I heard they don't cover LP, and with our babies, that's a pretty big deal.

Mizzrosa · 02-04-2008, 05:05 PM

i heard pet insurance doesnt cover alot of things and is a waste of money so i took out a credit card just for martini's vet bills and clothes, etc...i rather pay off a credit card then give money for something that wont even cover much...ive heard from numerous people that its not worth it

mojo · 02-04-2008, 05:06 PM

Quote:

Originally Posted by Mizzrosa

i heard pet insurance doesnt cover alot of things and is a waste of money so i took out a credit card just for martini's vet bills and clothes, etc...i rather pay off a credit card then give money for something that wont even cover much...ive heard from numerous people that its not worth it

Hhhmmmm, sounds just like real insurance! I work in medical billing and sometimes it is just a total game!

Go4HelloKitty · 02-04-2008, 05:09 PM

I have VPI for my boy. I am planning to also insure our new girl, Mochi. I also don't like VPI. Kimchee got bitten by another dog in Aug 2006, we spent about $300 and of course, I submitted the claim. Guess what....I got a check of about $200 after ONE FULL YEAR. Well, at least I got some money back.

Anyone knows of any pet insurance company which also insure LP?

03-03-2007, 12:24 PM	#1
irishawk YT 500 Club Member Join Date: Mar 2006 Location: Philadelphia, PA Posts: 695	Veterinary Pet Insurance - Review For anyone considering pet insurance, I just wanted to give a review of my first experience with VPI. Howie got sick after my mother fed him a large handful of yucky steak. He was vomitting and having diarrhea for 3 days. I finally took him to the vet and the bill was $222. Howie's only a year old and I've had insurance for him basically since I got him. It's $20/month. I really wasn't expecting to get anything back from the insurance but.... I got a check yesterday for $150.30!!! YAY! It's nice to know that the insurance really does help out if god forbid something really expensive went wrong! __________________ Howie & Sarah Check us out on dogster: http://www.dogster.com/?327817

03-03-2007, 12:38 PM	#4
irishawk YT 500 Club Member Join Date: Mar 2006 Location: Philadelphia, PA Posts: 695	I know that I'm not dilligent enough to put away $20/month in case of an emergency. I like knowing that if god forbid he gets really sick I have a back-up plan. __________________ Howie & Sarah Check us out on dogster: http://www.dogster.com/?327817

03-03-2007, 03:03 PM	#6
Patti Donating YT 30K Club Member Join Date: Oct 2005 Location: Illinois Posts: 35,509 Blog Entries: 6	I have it and with Cali being so sick early on I am way ahead on the premium vs payment. With Pixie I hopefully won't need it much but with 3 dogs anything can happen and I preer to be covered in case. __________________ Cali Pixie Roxie : RIP Nikki; RIP Maya;RIP my sweet Dixie girl 1/17/08 http://callipuppyscastle.bravehost.com/index.html

03-03-2007, 06:52 PM	#9
Sawyers mommy Donating Senior Yorkie Talker Join Date: Oct 2006 Location: fla Posts: 624	I also have pet insurance, and I wouldn't be without it. This claim was not exceptionally large, but it could have been. Putting 20 dollars a month away would be great if you never have a large claim; but with these little babies the claims can be really large. Congradulations on being prepared, and thank God your baby is fine. __________________ Sawyers Mommy: Proud member of the Spoiled rotten Club

02-04-2008, 04:55 PM	#11
GeorgiePeach YorkieTalk Newbie! Join Date: Feb 2008 Location: Princeton, NJ Posts: 1	Pet Insurance Who did you get your pet insurance through? I have heard about this, but don't know who is a carrier. Any advice?

03-03-2007, 12:35 PM	#3
bornnygurl No Longer a Member Join Date: Jan 2007 Location: Texas Posts: 1,470	I had VPI and didn't like it but I'm glad you are reaping the benefits. I didn't like VPI because: They for one didn't cover everything and it got to be a hassle to send in claims after having to front the money and then waiting for the check. On top of that they never paid for all of it. I like my Vet's plan better. You pay once a month and then only pay a co-pay for every single routine visit, surgery, etc. It works more like people insurance.

03-03-2007, 06:46 PM	#8
kioana Yorkie Talker Join Date: Mar 2007 Location: maryland Posts: 15	well i'm looking for pet Insur. but i can't find one that's any good. I've heard so many bad things about VIP. so i'm glad that your got some money back

02-04-2008, 04:59 PM	#12
mojo Donating YT 500 Club Member Join Date: Feb 2005 Location: Here, there Posts: 2,693	Plus, I heard they don't cover LP, and with our babies, that's a pretty big deal. __________________ Bella (I miss you) Sachi Emmy

02-04-2008, 05:05 PM	#13
Mizzrosa Donating YT 1000 Club Member Join Date: Jan 2008 Location: brooklyn Posts: 2,369	i heard pet insurance doesnt cover alot of things and is a waste of money so i took out a credit card just for martini's vet bills and clothes, etc...i rather pay off a credit card then give money for something that wont even cover much...ive heard from numerous people that its not worth it __________________ Lil Miss Martini Butt & Mommy~Proud member of Petite Pups United! & Proud member of the Spoiled Rotten Club & Lil Heartbreakers Club

02-04-2008, 05:09 PM	#15
Go4HelloKitty Donating Yorkie Yakker Join Date: Feb 2006 Location: Redmond, WA Posts: 379	I have VPI for my boy. I am planning to also insure our new girl, Mochi. I also don't like VPI. Kimchee got bitten by another dog in Aug 2006, we spent about $300 and of course, I submitted the claim. Guess what....I got a check of about $200 after ONE FULL YEAR. Well, at least I got some money back. Anyone knows of any pet insurance company which also insure LP? __________________ I my little stinkers: Kimchee & Mochi