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"Only had insurance for 3 weeks when our dachshund was attacked by coyotes. Had made one $50 monthly payment and they paid for over $1000 of vet bills. Paid eithin 7 days of receipt of bills.

-Carey S.

D
"This pet insurance company bases their payment reimbursement decisions on symptoms exclusive of a specific diagnosis. Our cat was diagnosed with Pancreatitis prior" to our enrollment with symptoms of vomiting, lethargy, and refusal to eat. We realized that medical bills associated with this condition would not be covered since it was a pre existing condition. Later, our cat was diagnosed with IBD with similar symptoms of vomiting, lethargy, and refusal to eat. Although this is technically a different illness, we were denied reimbursement because the symptoms were similar. This seems unfair to me since many conditions have similar symptoms but may not be related at all. I would not waste my money on this pet insurance. We did not receive one penny over the course of the 1-2 years that we paid premiums.

-Rodney K.

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Local Articles in Oklahoma City

Pet Adoption

The decision to adopt a pet is an important one that shouldn't be taken lightly. A companion animal may live for 15 to 20 years as part of your family. Factors to consider include: types of pet adoption; fitting a pet into your lifestyle; costs to adopt; common problems; and other options for pet adoption. Read this guide to learn more.

Pet Insurance

Is pet insurance worth the cost? How much are annual premiums? What does the policy cover? Read this Angie's List Guide to Pet Insurance to learn more.

Angie's List member Brenda Quintana says she spent nearly $10,000 on chemotherapy and other care for Bella before she succumbed to bladder cancer. (Photo courtesy of Brenda Quintana)
Veterinarians, Pet Insurance

When it comes to covering the cost of a single pet health incident or condition, pet owners are paying more than ever before, nearly 14,000 claims in 2010. Here are the top 10 conditions.

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Animal Boarding Kennels, Animal Fencing, Animal Grooming, Animal Training, Pet Insurance, Veterinarians

Top-rated veterinarians on Angie's List discuss the two most common causes of preventable health concerns in household pets.

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Curious about what’s up with your cat’s strange or aggressive behavior? Highly rated pet behaviorists from Angie’s List shed light on what might be affecting your feline’s frisky disposition.

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Animal & House Sitting, Animal Boarding Kennels, Pet Insurance, Veterinarians

Some pet insurers will not offer coverage for pets over a certain age, some pre-existing conditions or some breed-specific genetic ailments.

Angie's Answers

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Sorry for the delay in updates.  We had a HUGE major setback and kitty trauma.  Apparently, phone books are NOT optimal for raising up your cat's litterbox if said cat is enormous.  All the websites and literature recommend that you raise up the litterbox to the height of the toilet, and the preferred material is phonebooks.  Not for a nearly 20 lbs cat. Erik hopped in his newly jacked up litter box to do his duty and it promptly shot off the phone books causing mass hysteria and trauma.  TERROR!!  HORROR!!  Meowing in the streets!!

It took a whole week for him to finally being using the litter box AT ALL.  He's been holding it and refusing to go until he heads outside.  We had to take the litter box back down to the ground and start "over" but, he seems to be finally okay with the litter box.  My husband has built a more stable riser for the box to go on that I think we may install this weekend.  I'm going to start setting Erik on the actually toilet trainer starting tonight, and then give him treats, to see if he starts to get the idea.  So, what I have learned:  Indoor/outdoor cats are more difficult to toilet train, big fat giant kitties are too much for phone books alone.

Unfortunately for Erik, he also just got all of his annual shots and a nice checkup from the vet, which involved far more poking in his hind-end than he's comfortable with.  Good news, though!  He's down to 17 lbs. from 25 lbs.  Not that he's happy about it. All that, and the rump-poking seems to have given the litter box trauma a run for it's money.  He's momentarily forgotten that the litter box is fickle and not to be trusted. I guess the answer is that whenever he gets toilet trauma to haul him to the vet for an exam.

So, we continue on in our struggle for a toilet trained cat, but I think this adventure will take much longer than previously thought.  I think that snow on the ground will much improve our chances of success, since he'll be less likely to "hold it"  If I can just get him up on the seat, I think it will be relatively smooth sailing, but I think that the transition from litter will be a doozy, too!! 

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Hi

The first answer is pretty thorough but I would like to add a few points. 

First.. the type of food you are feeding your dog may be the key.  If you are using a food that is grain, rice or corn based in the first three ingredients, please change to a food that is meat or chicken based.  Many dogs are allergic to grain, rice, wheat and corn and these things are used as primary ingredients in many well known, name brand dog foods.  Secondly, all treats that have these ingredients should be cut out.  It takes weeks to months before a food change can show results so you must be patient.  Jumping from one food to another will be counter-productive. 

Some dogs are so allergic to flea or other insect bites that one or two bites can cause a severe reaction.  Once the itching/scratching cycle begins, it is hard to stop it.  Benadryl is good but I suggest liquid form.  You can get it inexpensively at one of the dollar stores.  The pills take time to break down in the digestive system so you get better and faster results with the liquid.One tsp= 5cc and most dogs of average size can tolerate that much and more if the dog is a larger breed.  

Allergy testing is very expensive and most dogs will test positive to some things.  That does not mean that the itching is coming from those things as many things in the environment can trigger positive test results.  Breaking the cycle of itching is primary and that can be done with prednisone ( short term and last resort after benadryl and bathing), allergy shots( same deal, last resort after easier methods).   This spring and summer have been particularly hard, weather-wise.

Good luck!

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Pet Insurance reviews in Oklahoma City

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Rating
It's a good one. I just renewed my insurance. They have different policies. I pay $371a year for the annual insurance policy. Then I get a wellness plan on top of it. A lot of tests were done. Veterinary services in general are very expensive in this area. I had a wellness coverage plan. That was another $144. I paid about $500 in total. They paid me back over $900 with the veterinary expenses. It certainly was worth the while. He is young, so he eats things he shouldn’t. He gets sick because he gets into things. It's been very helpful to have that when I needed to go. They have been good. With regard to price, I researched other places, I think it was the best. I would absolutely use them again; I just signed up again yesterday.
- susan m P.
A

Rating
HealthyPaws Insurance is a must have for any dog owner. HealthyPaws responded to my claim in less than 24 hours - gave me status updates and handled all my calls/questions immediately. No waiting time on the phone. I was assigned a personal claims rep who I could call for updates. When Healthypaws sent me the notice that they were covering the claim the email started with "We're sorry to hear that your dog had a rough patch there for a while. We hope he has a quick recovery and is back to normal soon!" Healthypaws processed the claims in less than 12 days. I don't know how its possible, but my dog has better health insurance than I do thanks to HealthyPaws Insurance!
- Matthew S.
A

Rating
We purchased
Oklahoma City Pet Insurance Plans Provider Name Locked
(Chocolate Lab) from a highly rated AKC breeder....we noticed
Oklahoma City Pet Insurance Plans Provider Name Locked
limping on her front legs about 4 months after we brought her home. We had her examined and her front legs X-rayed (we were told it was probably growing pains and would go away in time). The limp was sometimes less apparent and at others, especially after a .5 mile walk or other activity, more pronounced but never really went away and seemed to migrate from her left to right front leg and back. Very confusing Before leaving on a trip (my daughter was going to watch
Oklahoma City Pet Insurance Plans Provider Name Locked
while we were gone) we noticed the limping was more pronounced and we visited an emergency vet hospital and the vet there recommended we get in touch with an orthopedic veterinarian. We did so upon our return and after multiple X rays and examinations
Oklahoma City Pet Insurance Plans Provider Name Locked
was diagnosed with Elbow Dysplasia in both elbows with severe arthritis. All this in a 1 year old puppy. I cannot write enough nice things about
Oklahoma City Pet Insurance Plans Provider Name Locked
and how they have supported us through our difficulties. Kadys problems are most likely hereditary, though her mother and siblings did not have any apparent difficulties.
Oklahoma City Pet Insurance Plans Provider Name Locked
contract states that they will cover most hereditary conditions where the condition is diagnosed after the policy went into effect. Elbow Dysplasia does not usually become apparent until the puppy is about 6 months old. However saying you will cover something and actually doing so are often two different things. Not so with
Oklahoma City Pet Insurance Plans Provider Name Locked
! After we submitted the report and cost schedule they got back to us within 24 hours with an approval and we had the check within 3 days. They are great!
Oklahoma City Pet Insurance Plans Provider Name Locked
is a very sweet and affectionate girl but her quality of life and activity level is severely impacted by this problem. This is hard to accept with a 1 year old dog. When I purchased
Oklahoma City Pet Insurance Plans Provider Name Locked
I expected that
Oklahoma City Pet Insurance Plans Provider Name Locked
and I would do a lot of hiking together as I will retire next year. Not sure if that will happen now...hopefully the surgery will take out her pain and give her the quality of life she deserves. One thing I am certain of; I am extremely impressed and appreciative of the support and responsiveness that
Oklahoma City Pet Insurance Plans Provider Name Locked
has provided. They have lived up to their contract conditions and made a very difficult situation much less painful from the financial perspective. They have delivered on their promises in a prompt, courteous, caring fashion and I recommend them with no reservation to anyone considering per insurance for their little one. Thank you
Oklahoma City Pet Insurance Plans Provider Name Locked
.
- Tom B.
A

Rating
Everything went smoothly when I had questions I called and got a quick response didn't spend much time going through menus or on hold and the staff were knowledgeable and helpful and sincere
- Katie L K.
F

Rating
Terrible. Cancellation policy is not clear up front. We, as I'm sure many, have been told that we can cancel at any time - and this is simply untrue without paying additional funds toward discounts applied since renewal - even though we've paid years of wellness plan payments toward said discounts. don't buy the corporate song and dance response this would receive from
Oklahoma City Pet Insurance Plans Provider Name Locked
either. Cancellation policy is not made clear. As expected, they are much more interested in you signing up and have much more communication and marketing geared as such.
- John N.
A

Rating
Having already had one dog die of cancer I had an idea of what cancer can cost. I signed up for the plan several years ago for my next dog hoping I would never need it. Then the terrible news came:
Oklahoma City Pet Insurance Plans Provider Name Locked
cancer. The question that went through my mind was OK, they took my money now will they honor there agreement. Indeed they did. To date with several more chemo treatments yet to come they have paid over $4000. I have had numerous contacts with their service department and they couldn't be more friendly or helpful. I give this company my full and unreserved recommendation. If you truly value your pet and want to care for him in the face of enormous medical bills I strongly urge you to consider taking out a plan with this company. Embracepetinsurance.com
- Ed B.
F

Rating
It seems there is no exact procedure for filing a claim. Called up and the representative stated she would begin the claim over the phone based on the information I supplied . My wife faxed all bills and vet reports within the next few days. On line status reported the claim was opened and
Oklahoma City Pet Insurance Plans Provider Name Locked
was reviewing the claim. 3 weeks passed and the status remained the same.
Oklahoma City Pet Insurance Plans Provider Name Locked
claimed it was waiting for my vet records. I had already got all of the records and faxed them in with the original paperwork. I was the squeaky wheel and continued to call them. Hold times at
Oklahoma City Pet Insurance Plans Provider Name Locked
ranged from 10 minutes to 30 minutes. I hear the hold talk and music in my sleep. At week 4, I called and spoke with a representative. I advised them I was going on a cruise and I wanted to make sure they had everything. She explained by the time you get back, the claim "should" be completed and I should het my vet bills paid. Returned from the cruise 8 days later and called again, as there was no money paid for the claim. The representative stated the same thing, still be reviewed and I screamed. The representative named "Crystal" was fabulous (one of the only bright areas of this entire story). I explained I am completely DISSATISFIED, as this is approx. week 6 and they still have not paid the claim. Crystal personally went and checked and stated she would call me back. I also insisted on speaking with a supervisor, and as usual, as I had asked many times in the previous 6 weeks to speak with a supervisor, there was no supervisor available and they are very busy. A supervisor would call me back within 48 Hours. Crystal called back an hour later and explained she got the claim pushed through and I should have the money in my bank account within 3 to 5 days, depending on my bank. Then I stated "Great", he much am I getting back for my claim? Crystal hesitated as if she did not hear my question....... She explained approx. $750.00. I responded excuse me! The claim was for approx. $3250.00 and after my $250.00 deductible,
Oklahoma City Pet Insurance Plans Provider Name Locked
pays 90%. Well then she explained all the FINE PRINT. Remember 1 dog and 1 surgery, all recommended by the Vet. Specialist. My policy has a $250.00 deductible "PER CONDITION", and after looking at the biopsy,
Oklahoma City Pet Insurance Plans Provider Name Locked
realized each of the dogs 6 bumps were EACH a separate "CONDITION", therefore they charged me (6) $250.00 deductibles, Totaling $1500.00 in deductibles! My response was "ARE YOU CRAZY", this can't be happening. Even though the Vet. stated 2 of the 6 bumps were skin tags (THE SAME CONDITION), they were on different area's of the body, so they consider them 2 Separate Conditions. I am currently about to begin my appeal! BUT UNDER NO CIRCUMSTANCES should anyone ever use
Oklahoma City Pet Insurance Plans Provider Name Locked
. They are a Legal Scam! When they sell you the insurance they do not tell you about the CRAZY Deductibles. It is Not until the make a claim - Then You Get Wacked! $180.00 per month for 16 Months. Then I make a claim for $3250.00 (approx.) and they Pay $750.00 (Approx.) Horrible Company - Long Holds Times - Claims Take forever. Then they mailed me a letter breaking down the payment. Inside the letter was 2 other letters (of course Denial Letters) to some totally other customer is Colorado who has nothing to do with me. Just a SCREWED UP COMPANY!

- James D.
F

Rating
BEWARE all
Oklahoma City Pet Insurance Plans Provider Name Locked
does is deny claims and find reasons NOT to pay. I had been with them 7 years when my dog started having seizures. My most recent "reimbursement" check I got $0.04 that's right 4 CENTS!! The bill was almost $200 and they have the nerve to send me 4 cents!! WHY?? Oh they said I should have read the small print the cap for this disease is $167 A YEAR!!! What a joke! Find a Company that does not cap diseases!! They are out there and WAY better quality than
Oklahoma City Pet Insurance Plans Provider Name Locked
!!
- Toni L.

Pet Insurance Plans in Oklahoma City

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