Saturday 25th of August 2018 12:40:33 AM
We've had PetPlan for over two years now. I chose them because they were the best-rated in my research at the time. Our dog is about four years old now. We've submitted several claims and have been reimbursed for all of them at the rates we expected. PetPlan has gone through two or three underwriters in the past five years. They have to have an underwriter for their insurance, and the underwriter to some extent dictates what they can do. They have to make more money than they put out. They have to or we won't be able to buy pet insurance.We've paid about $75/month for the past two years, but we've gotten over $2200 in reimbursements. If everyone did that all the time, there would be no money left. No one would operate a business that does that, unless it's a charity. I wish they would! But they won't. So if they get too many people like us, they have to raise rates, lower coverage, lower customer service or deny claims. It seems that PetPlan chooses to raise rates and also offer lower coverage if you prefer that.If you get pet insurance, you HAVE TO read your policy and DO WHAT THEY REQUIRE! If you don't, you are paying for nothing. You HAVE TO take your pet to the doctor each year, and you HAVE TO have your pet examined at the beginning of the insurance coverage, or PetPlan can say your pet had preexisting conditions. If you had an exam with no problems, it shows that there were no preexisting conditions. You HAVE TO keep your pet vaccinated and protected from fleas, ticks and heartworm, or they won't pay for treatment of any related conditions. There are waiting periods to ensure that people don't suddenly get pet insurance only when their pet gets sick, which would raise insurance costs for everyone, even though some people have been paying for years but never made any claims.All this is on the website, in the FAQs and in your policy. If you get the insurance as early as possible it will save you a lot of money and hassle (and maybe heartache) in the long run. I know that isn't possible for everyone (it wasn't for me when my cats got sick). But if it is for you, get it as early as possible. It seems like most of the bad reviews are for this kind of stuff which is the buyer's responsibility, versus the company being sneaky or dishonest, labeling everything as a preexisting condition, etc. They don't seem to do that.I really like PetPlan. We've had some hitches with them (like a delayed reimbursement when my vet's office didn't fax the entire chart) but it all worked out. If you look at PetPlan vs Trupanion, Trupanion's rating is higher, but the content of the reviews is kind of scary. PetPlan's bad reviews are about disclosed policies that anyone can go look at and plan for. Trupanion's bad reviews are mostly about them denying legitimate claims. Like, because a dog ate a sock as a puppy, that's a preexisting condition for when the dog ate a toy as an adult. That's crazy. My dog has eaten several things that she shouldn't have, and I think that's the only thing we've made claims on. PetPlan covered every incident.Negatives about PetPlan: *Cost goes up with your pet's age, inflation and local "market conditions" (Trupanion's goes up with inflation and market but not age). You can get a vague idea of the cost of PetPlan insurance in the future by requesting a quote for your dog at 13 years old. Ours would be $800/ month. :( *You have to pay the full amount upfront and then get a reimbursement (Trupanion pays directly at clinics they've made agreements with, if you can find one). We had to pay $1900 at the emergency hospital, and it could have been more than that. It was a total fluke that I had the money. If you don't have an emergency fund, a generous relative or a credit card, you may be unable to use the insurance at all.*The deductible is per illness/incident, per year. So if your pet has diabetes, you'll have to pay the deductible each year. If your diabetic pet hurts its paw, you'll pay the deductible for diabetes treatment, then pay it again for the paw. Trupanion has a per-condition deductible. You just pay it once. But again, they have ways of avoiding covering things (based on experiences I've read about), so I'm not sure what's actually cheaper. *You can't upgrade after you've made even one tiny claim, even if it was for something like a bump or scrape that won't continue in the future.Positives about PetPlan: *They're honest. *They seem to cover just about every claimed injury or illness as long as it isn't legitimately a preexisting condition. They have for us, and the reviews I've read seem to confirm it. Trupanion seems to try to weasel out of what they agreed to cover. Every company has to try to make more than they spend, and I think PetPlan does that by raising prices with age, but Trupanion does it by charging more at a younger age, then not paying for things they should. *Similar coverage for a younger dog is like 40% less than it is with Trupanion. *They cover exam fees (that is, the fees count toward the deductible; many other companies don't include them). *They have great 24/7 customer service. You can call them at any time and talk to someone in the US who's totally fluent in English.I don't know what I'm going to do when the insurance gets too expensive. I started looking around because I wanted to get something that would stay affordable as my dog ages. But I'm afraid to go to Trupanion because of the horror stories I've read. I live chatted with a PetPlan rep, and she said I could lower my coverage as needed to make the payments more affordable, but if my dog has a condition in the future, that may cost more. It's like a lottery. But for now I think it's best to stay with PetPlan.