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The 30-day free health insurance on my dog will be running out in another couple weeks, and I definitely want to keep him on some kind of insurance. Right now, I'm on PetHealth's ShelterCare insurance, and they make it easy to extend your insurance, but I'm totally ok with going elsewhere to get a better deal. Can anybody make any recommendations?
I don't know what factors affect insurance costs, but I live in NYC metro area, in a large single family home. My dog is roughly two years old, and most likely a Labrador/Pit mix.
He was diagnosed with giardia and worms at the first vet. At a second vet next week, we determined that either a) the first vet misdiagnosed or b) by some freak chance, maxi was cured of round worms and contracted tape worms in one week. Either way, Maxi has tape worms, no round worms. So I've already spent money on medication that was completely useless, and now I'm buying an all-around de-worming medication, stool hardener if his condition doesn't improve soon, and some special food to help settle his stomach.
Is this going to cause me problems when it comes time to send in reimbursement forms to my insurance company?
How does it generally work if I'm switching insurance companies while my dog is ill? Should I file everything that happens to my original company while I can, and then start filing to the new company? Or hold off on everything until I switch? Or...?
I don't think you can switch companies while your dog is ill. You should be faxing your bills to your current insurance company for reimbursement. For what it's worth, I have Healthy Paws and I personally find it to be the best insurance that is offered. I pay $36.49 a month and that includes 90% coverage and a $50 deductible. You can check out ratings and reviews of insurance companies here: https://myaccount.healthypawspetinsurance.com/ Healthy Paws is by far the top rated company. I would deal with your dog's current medical problems, then once the dog is cleared as healthy, switch. Healthy Paws will review your dog's medical records and will decide on any pre-existing conditions. My dog had heartworms before I got her, and they said that is NOT a pre-existing condition! She was found to have NO pre-existing conditions. Good luck and I hope your dog is feeling better soon!
Thanks for the info, good to know I shouldn't be switching.
I noticed there were other threads, but the sheer amount of was kind of overwhelming, especially since just about every health insurance company was being recommended, including local ones that didn't even apply to me. I wasn't sure how generic these policies are, or if there are certain companies/policies that work better for certain scenarios.
Insurance typically isn't worth it though its a good idea for a new owner and a new puppy. They can get into trouble. In terms of worms, just get the medication from your vet and then the preventative stuff. The vet's worm medication works immediately and you'll see them in the next bowel movement. It's kinda gross.