Enrolled to Petplan for my 1 year puppy last year, no any claim for the entire year but the premium went up 30% for 2022. I called customer service #, but no explanation for the increase just keep saying this is your new premium. I am going to switch to other company, horrible experience.
For labrador retrievers pet insurance is ~$30 per month which totals to ~$3,600 over 10 years. By "self insuring" and not investing in pet insurance, I've saved over $29,000 for the 8 labs I've had over the past twenty years
Well you must be extremely lucky. I'd say about 1 out of every four dogs I know have had vet bills over $10,000 in the course of 10 years (excluding normal checkups and preventative care.) Insurance is just that, insurance. You don't buy car insurance because you expect to save money, You buy it in case something catastrophic happens and it doesn't wipe out your entire life savings.
@@RetrieverTrainingAlone then I'm even more surprised. Physical injuries are some of the most expensive ones, especially to properly treat and rehabilitate. It's great to hear you're doing that though and haven't had any problems. Very lucky.
I have nothing to do with Trusted Pals in the way of payments for endorsement or employment, but I just have to say: The best pet insurance, I think, is Trusted Pals because of their wellness portion of their insurance. After you pay your bill you'll get reimbursed $750 minus your deductible and they'll pay you 80% of that. The thing about Trusted Pals is they don't have their wellness portion of their insurance broken down into what they'll pay (like all the other pet insurance companies) i.e. dental cleaning $150.00, vaccines $50, blood work $60, microchip $30, flea problem $40.00 etc. (these are just examples) AND you have to pay a monthly amount for this limited wellness plan that really isn't a wellness plan at all. It's a scam. Many people's pets don't need some of these because they're coming on board with their pet already microchipped, etc. and they have an indoor cat etc. Trusted Pals wellness portion pays for the necessary annual wellness checkups, dental cleaning, blood tests, vaccines, microchip... whatever your vet deems necessary. It's not broken down into all these categories that they'll only pay for. The bill for the wellness check of our cat was about 50% less and he got the necessary care he needed; dental cleaning, dental radiographs, anesthesia, blood work etc. His maximum coverage is $8,000 annually and his monthly premium is for us a manageable $57 dollars monthly. ,It did go up a little bit from last year, but what else is new? He was already microchipped from the shelter and he's an indoor cat. He never has a flea problem. It's their wellness portion that is, to my way of thinking, pretty fair. That's the most important part. Annual checkups. There should be no barriers to this. Catching a disease or health problem early with blood work and exams is key. Trusted Pals priorities regarding our cat's health care is in the right place.
Thanks for this information. I didn’t have insurance on my last dog and I wish I did. We recently got another dog and I want to get him on an insurance plan.
There needs to be a non-profit pet insurance company. Otherwise all these pet insurance companies are smoke and mirrors. Too bad there wasn't a non-profit pet insurance company that all pet owners can pool their risk into. It would cover much, much more for much, much less. And be so much more simple and uncomplicated. This is the dirty little secret of pet insurance companies and the whole insurance industry, generally. (Health insurance, as most of us know and understand.) It can be an accounting hassle to figure out that you're overpaying for a certain level of insurance. Deductibles, annual premiums, coinsurance, annual limits; wellness rider or no wellness rider? Patiently sitting down and doing the math comparing different pet insurance companies, it seems that it might be best to get much higher coverage for accidents and illness and pay for vaccinations and blood work and dental cleaning on your own. Then when you get this far, you have to compare different pet insurance companies with each other, calculating, to see which pet company you're getting the most out of for your money. Or you might understand other things regarding your pet's insurance and pet insurance generally. You have to be very good with numbers, proportion, and percentage, to get through calculations, to understand what your pet's real needs are and if you're unnecessarily over paying for things. I have to struggle with this, but I get through it, but it's a hassle. Wellness riders seem to be good if you find a stray cat or dog because they include flea problems, microchip, etc. but not comprehensive coverage for dental cleaning, full vaccination coverage full blood work. Our cat does not need all those things that these wellness riders include and they'll only pay for a portion of blood work, dental cleaning etc. So it's not worth it in many cases (for many) to pay the monthly wellness amount when you do the math. Basically, pet insurance, like so many other types of insurance is a smoke and mirrors cluster f.
No non-profit group will do it. It's too much work. These are BUSINESSES out to make money. You have to do the math and gamble with your pets health and cost. Not a fun challenge.
One more thing. You check out all different reviews of the 5 or 10 best pet insurance companies and they all come up with different pet insurance companies in different numerical order that are the best. So you don't know who to trust. It's all smoke and mirrors.
At the end to, the goal is for you to decide. Different people have different values and different pet needs, so different chanels will have different opinions. Its our job to compare the information we are givven and see what's best for our pet and our wallets
@@mikahholman1940 Yes. They should just abolish the "best" description and just have a title: "Pet Insurance Comparisons" or "Pet Insurance Comparison Chart" or however the website wants to title themselves comparing different pet insurance. The "best" part means nothing and is useless. Like you said, everyone has different preferences so there is no "best". Like I said the "best" part is all smoke and mirrors. And some of these pet insurance policies are very similar to each other and you're left with a more confused feeling of what they mean by "best" and what is "best" for your pet's needs. But this is a case with so many other products. I've been searching for knee sleeves and so many websites come up with the 5 or 10 best and what's number 1 or 2 on one site is number 4 on another site. It's just all total BS.
@@8sun52 that Makes sense, i just always associate 'best' with someone else's opinion. I like hearing what people think tho, so when people tell me it's the best, i just right it down and when im ready to purchase i look at the websites for more info. I do agree that saying something is the best can be misleading
@@mikahholman1940 Yes. That's a good approach towards this; looking at the word "best" as someone else's opinion. If there are an overwhelming amount of testimonials (opinions) highly regarding a product or service, then that could be a good barometer to narrow the choices down to that product.
@@mikahholman1940 But at the end of the day I think there needs to be a more unified and unbiased way of assessing all kinds of products and services. Consumer Reports is kind of like that they assess things according to unbiased criteria. And then they suggest that this is or that product is their pic. But it's not perfect either. But what is?...
Nationwide: offers an Avian and Exotic Pet Plan. This plan covers most types of birds and exotic animals, such as s parrots, rabbits, turtles, hedgehogs, etc. However, the company doesn’t share cost information for the Avian and Exotic Pet Plan online.
@@michellepaul8514 BUT YO DAWG INSURANCE ON YOUR PET?! IT SOUNDS LIKE ANOTHER GREEEEEEDY REPUBLICAN ASKING FOR MORE MONEY TO SUPPORT THEIR FAVORITE GOLF RESORT! R U RELATED TO TRUMP???? 🤔
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