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Pet Insurance reviews in Plymouth

  • A
    Healthy Paws Pet Insurance
    We pay $70 a month for both. They are friendly, caring, prompt and pay very well for an insurance company.
    - Thomas H.
  • A
    Pet Plan
    I had had Pet Plan pet insurance for about six months prior to November 2011.  I pay  $30.15 month for the insurance - with a $50 deductible/90% reimbursement/$12,000 limit (see website). You can purchase different levels of coverage on their website.  In November, I took my cat, Bear, to an emergency vet because he was throwing up constantly.  He was admitted and ended up with multiple office visits, labs, tests, including an Ultrasound, IV"s, medications - and surgery, during which they removed 7" of his intestine and then rejoined it, and also removed his spleen.  Part of his intestine was basically dead and so not functioning properly, and that had caused him to throw up. The total cost for all of the procedures and office visits - during November and December - was approximately $5000.  Pet Health Insurance paid all but $500 of that.  If it hadn't been for the pet insurance, I would have had to have Bear put to sleep - and I have had him since he was a kitten, and he's now eight years old.  Pet Health was awesome in handling this!  The first batch of checks came within two weeks of the surgery - and one of them was for $4000.  When I had questions, they responded to emails within 24H.  Even when there was a billing problem, the insurance was responsive and seemed to take personal care in getting it straightened out.  There was a problem with getting one pathology report paid for due to the vet hospital sending in the incorrect information a couple of times.  It was for $250 so I didn't want to let it drop.  At one point, I got a letter in the mail from Pet Health saying that the claim had been dropped because I hadn't responded to their emails.  For some reason, I hadn't gotten the emails - so I called them and they reinstated the claim and even called the vet hospital directly to straighten out what information they needed to process the claim, which has now been paid (they paid $200 of it).  Pet insurance is something that seems frivolous, until you need it.  I pay monthly so I just set $15 aside out of each two-week paycheck and that makes it easier to pay the $30/month.  I debated a long time before purchasing this insurance - and then needed it.  I will always cover my pets, in the future, because you just never know when you're seemingly healthy pet will have a problem.
    - Genie T.
  • A
    Healthy Paws Pet Insurance
    I haven't got to use the insurance yet. I chose them because of their reviews and price. They do a lot to support homeless animal organizations. I think they have a $200 deductible.
    - Marcia L.
  • A
    Pet Plan
    They are awesome. I would not have been able to pay for the surgery my dog needed without them. It is best money I have spent.  I have not had any problems with them and they have never denied a claim.  My dog needed a $5000 surgery and I only had to pay like a $1000.  On the phone they are friendly and nice. They are all dog owners so they understand what you are going through. The claims are processed pretty fast.
    - Jeffrey K.
  • A
    Pet Plan
    I had Petplan Pet Insurance probably for 6 to 7 years insurance on my dog and it's the first time I have a claim, they were wonderful. They looked over all of our claims material rather quickly kept in touch, in terms of time frame, when I get a refund they pay everything I expected them to pay, no questions asked and I'm very grateful.
    - Mary B.
  • A
    Pets Best Insurance Services LLC
    Pets Best Insurance Services LLC was very quick to respond when I submit the forms. They pay better than some other pet insurances that I've had in the past.
    - Phyllis G.
  • B
    24PetWatch Pet Insurance Programs
    Sometimes they are responsive and sometimes they are not. I am not entirely satisfied with the type of customer service that they provide. It is just in general. Their claim service is a little slow. Sometimes they required more detail than I think that they need. I think that it is a little high. I will continue to use them for my older dog, but when I get a new pet, I will not use them.
    - Danielle T.
  • D
    VPI Pet Insurance
    If I had written this review six months ago, I probably would have given VPI a B  based on my past experience and what seemed to be about an 80% payout rate. My experience in the past few months, however,has seriously changed my opinion of VPI. About 12 years ago, I had an uninsured dog who developed a serious medical condition. After spending about $10,000 to treat her (unsuccessfully), I decided that I should get pet insurance for my subsequent dogs. At that time, VPI was one of the few pet insurance companies in existence, and I enrolled my dogs Sierra and Casey in VPI.  I never hoped to ?come out ahead? by purchasing insurance: doing so would probably mean that my dog had suffered an expensive and likely catastrophic illness.  I did not look at the policy as an investment but rather as a way to manage risk.  I hoped that insurance would provide financial peace of mind in the unhappy event that a serious illness did occur. At the age of 12, Casey was diagnosed with cancer; it was too advanced to be very treatable. I made my first VPI claim after he died. As I remember, the claim was for about $1700, and I received about 80% of the costs. A few years later, Sierra was diagnosed with bone cancer, at age 13. The affected limb was amputated, and she was treated with chemotherapy. She died about one year after the diagnosis. I think the claim?my second with VPI?was in the $2000-$3000 range, and again I got about 80% of the costs from VPI. When VPI began offering a Major Medical policy, I switched my dogs to that, with a $1000 deductible. As my claim history suggests, I have made few claims?the two I had made were for end-of-life major medical issues. I was hoping that the Major Medical plan would do what I wanted?protect me against major medical costs over $5000, providing me with the ?safety net? that VPI advertises with the policy. In April of 2012, my dog Piper (6 years old) exhibited some behavioral changes, particularly a fear of the backyard. My vet did a workup and discovered that her platelet count was low; some of the urinary values were also not in the normal range. Platelet counts do normally vary somewhat (platelets aid in clotting), but my vet wanted to monitor the count. When the platelet count fell below 10,000 (low normal is around 180,000), my vet told me to rush Piper to the emergency vet hospital; such a low platelet count could lead to Piper?s spontaneously bleeding to death. Piper was admitted to the hospital, with a tentative diagnosis of an autoimmune disease that destroys the platelets. Over the next month, her condition worsened?and got more complicated. She didn?t respond much to treatment (which involves suppressing the immune system), and the array of symptoms increased, including liver, vascular, and neurological problems. Autoimmune diseases aren?t well understood, and it wasn?t clear what might be any underlying cause of the destruction of the platelets (and now red blood cells, too) and other symptoms. Was the disease tick-borne? Was it caused by a parasite? By a hidden cancer, perhaps a tumor in the heart or brain? Were blood clots forming and being thrown off? Was there internal bleeding? Was there internal infection? Were the drugs themselves causing reactions? As you can imagine, the situation was very confused and dire, leading to expensive drugs, diagnostic tests, and treatments. Unfortunately, despite all that was done, Piper was unable to survive the onslaught of symptoms. At the end of two months, the bill was $11,000. I submitted the claim to VPI?my third claim (one each for three different dogs under three different policies).  After the $1000 deductible, I was hoping for an 80% payout?in other words, approximately $8000. Instead, VPI paid $5659.  VPI lists the primary diagnosis as ?immune mediated or idiopathic thrombocytopenia,? or ITP, though, as I indicated in the claim, the diagnosis was uncertain. By reducing a complicated and confused medical situation to a single primary diagnosis, VPI automatically limited its reimbursement.  For the ITP, VPI considered the submitted expense to be $6066.49 (and the $1000 deductible was applied to it). The amount eligible for reimbursement was $790?in other words, about 15%!  The treatment for some of the various complications was also reimbursed, again often at a low amount. So after the deductible, I received about a 55% return on the claim. The policy has an annual value of $14,000; however, it is difficult, given VPI?s application of its benefit schedule, to see how, no matter what the medical expenses, a consumer would ever come close to that level of reimbursement. Some reviews of VPI (on another site) have said that consumers need to look carefully at the VPI policies so that they understand what will be covered. That?s good advice?but not so easy to follow. First of all, a pet owner can?t predict what medical condition his/her pet might face in the future. Even if one did know that, someone without veterinary expertise could hardly determine what would be possible or even likely complications of the condition. And even if one did know that, the consumer isn?t in a position to research all the costs associated with diagnosis and treatment, comparing them to the benefit schedule. Much more useful information would be the percentage of submitted expenses VPI pays?and of course, VPI doesn?t provide that information. Given my experience with my claims and my examination of the VPI benefit schedule, I am guessing that the payouts are relatively high for limited medical conditions that a pet will recover from or quickly succumb to (like broken bones or ingestion of a foreign or toxic substance).  I suspect cancer often falls into this category since dogs usually do not exhibit symptoms until the cancer is advanced.  These are the kinds of situations that VPI features on its website. However, complicated medical situations (like Piper?s) or ones that threaten to become chronic are paid at a lower rate. My experience with my dog Ukiah confirms this. He has Cushing?s disease, a chronic disease. My VPI claim of $3653.84 had a payout of $770, a payout of approximately 30% after the $1000 deductible was applied. Despite the unhappy outcome and despite the financial impact, I don?t regret for a second that I decided to provide Piper with the best care I could, giving her the best chance possible. I do, however, regret that I chose VPI, and I won't make that mistake again. I recently adopted a two-year dog. Neither she nor future dogs will be insured with VPI.
    - Marlene C.
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Pet Insurance Plans in Plymouth

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