What pet insurance company covers expensive procedures without difficulty?

: What pet insurance company covers most expensive procedures without a lot of questioning/difficulty?
I have been reading a lot of bad reviews for pet insurance companies and how they try not to reimburse you much for expensive proecedures. Any suggestions? Also, anyone know of any companies that do not make you pay the vet first?

Answers and Views:

Answer by Shawn
I have never in 10 years heard a complaint about the insurance we recommend — VPI. Of course, you’ll need to read the policy you decide to purchase. None will cover pre-existing conditions. All of them have roughly the same exclusions.

All pet insurance companies reimburse you, rather than paying the vet directly. To my knowledge, none will allow you to walk out of the vet’s office without paying.

When looking for a pet insurance company, make sure to select one that has been around for a long time. Or a name you trust, such as PurinaCare.

There is another group called Care Credit, that allows you to swipe a card and leave the vet’s office. You would need to pay the group back within 6 months to avoid heavy charges, but the first 6 months is interest-free.

vet tech

Answer by Trupanion
We are the first and only provider to offer pet insurance with no limits on payout, whatsoever. I go through reports regularly and once in a while, I will see a claim for nearly $ 20,000 for a single bill!

Pet insurance is good for unexpected accidents and illnesses. They can get expensive quickly, so it’s nice to have insurance to cover the costs. Pet insurance does not cover pre-existing conditions, so if your pet is already sick or injured, it is unlikely that pet insurance will cover the costs to treat it.

For other costs like regular exams and vaccines, it’s best to self-budget since these costs are expected. Some pet insurance companies offer coverage, but it is typically not cost-effective. (Imagine paying an extra $ 200 per year on your premiums for $ 200 worth of routine coverage…)

A few good questions to ask when researching pet insurance are:
1. Does the policy cover everything? Hereditary and congenital issues?
2. What are the payout limits? Will it be enough money for my worst case scenario?
3. How much does it cover for each condition?
4. What are the pricing and deductible options?
5. Is it an ongoing policy? If my pet has an illness during my first policy year, will it be covered the next policy year?

Be sure to do thorough research – Some plans don’t pay based on your actual bill, but have lists of predetermined dollar amounts that they will pay for each condition which can be shockingly low in many cases. I would recommend getting an actual insurance plan that covers based on your bill so that you are never faced with a difficult and expensive situation when you *thought* you were covered.

We cover 90% of the actual bill for diagnostic testing, treatments, surgeries and medications including emergency and specialist visits. Trupanion is also the only provider to offer a $ 0 deductible option.
Feel free to give customer service a call and get a no-obligation quote to ask all the necessary questions and find out what’s best for you.

Answer by Hammer24
Some good info from the other posts. I currently have both of my dogs covered by Healthy Paws Pet Insurance. Did quite a bit of research on companies and used www.petinsurancereview.com to read unbiased reviews by real customers on the different companies. I did not find any company that doesn’t work on the reimbursement model. You definitely want to choose company that pays against the actual cost, not off of a fee schedule or “usual and customary” charges. Remember, all pet insurance companies do not cover pre-existing conditions. That was one of the nice things about Healthy Paws is that I was able to send my dogs medical records to them and determine if there were any conditions they considered to be pre-existing (there weren’t – fortunate that both babies have been healthy). So, no matter what happens or how expensive the treatment, I know I’m going to get reimbursed. Lastly, I liked the fact that Healthy Paws supports adoption and rescue groups through a Foundation they have. In my estimation, great product and they give back. Good luck!!