What dog insurance company do you use?

5 Comments

1. Stacy K says:

   September 23, 2009 at 9:48 am

   I have Trupanion. They don’t have claim limits and they cover 90% (no benefits schedules) so no matter how big your bill is, they cover 90% of it.
   Watch out for benefits schedules because sometimes they can get you– like if it says "surgery x costs $200" and then your dog needs surgery x but your vet charges you $800, guess what: the insurance company will only cover 80-90% of the $200.

   You can also choose a $0 deductible (or anywhere up to $1000) with Trupanion. I’m really happy with the company and they are really easy and straight forward to understand, definitely check them out!
2. Christine says:

   September 23, 2009 at 9:48 am

   I am seriously considering embrace. I just have a feeling my dog will need a hip replacement one day..she is currently 3. They have a 500.00 a year deductable and then they pay 80% NO "allowed amount" that they pay 80% of.

   You can get a lower deductable. You really need to ask the companies what their allowed amount is for accidents and illnesses and then ask your vet what their charge is. I have noticed they pay a LOT less normally then the actual cost for things.

   Good luck!
3. Erika says:

   September 23, 2009 at 9:48 am

   I have VPI and I got it because my vet recommended it. So far, putting in the claims and getting reimbursed has been easy. I can check the status online.
4. Barb says:

   September 23, 2009 at 9:48 am

   I have embrace for my pet.

   I think its much better than VPI and ASPCA.

   VPI only pays on a benefit schedule.

   And I’ve heard bad things about ASPCA.

   BUT call your vet and see who they recommend!
5. Jim says:

   September 23, 2009 at 9:48 am

   I use vpi