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Discussion Starter #1
actually, a couple....1st, do they generally cover pre-existing conditions?something that you know about but have not been able to have taken care of yet?.....2nd, how long do they require you to be on the insurance b/4 any treatment is done?, any?


ok, one more....could anyone recommend a really good one....PurinaCare sounds good, there is only a once a yr deductable instead of incident deductable...and the monthly seems most reasonable from the ones i've looked into.....
 

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Tirluc,
Have you looked at VPI pet insurance?

I have the Superior Plan and I pay around $36.00 a month. I know with VPI that for every pet insured after the first one, they give you a break on the additional premiums.

If you google their website will answer all your questions much better than I can.
 

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Whole Dog Journal did a rundown of all the pet insurance companies, and the one I thought looked best was PurinaCare.
 

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I like embrace and PetPlan. Both of those will cover hereditary conditions which is rare to find in a pet insurance company.

PetPlan you can do a $200 deductible and then depending on how much you want to spend monthly you can go from 80% to 100% coverage. I have yet to see another plan that offers 100% coverage.

The other thing I liked about PetPlan is it's the only one I found that DOESN'T use "usual and customary fees." What that means is that say a vet charge $500 for a surgery. They will reimburse you on the $500. Most other companies will say "the average for the area is $400, so we will reimburse you as though you spent $400."

In your case though Embrace is still really good and highly recommended and with a worry about pre-existing it's probably your best bet. With Embrace anything considered pre-exsisting is not covered for a year, but if after that year it hasn't caused any issues it is no longer pre-existing.

I haven't seen any insurance plans that don't exclude pre-exsisting conditions.
 
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