Insurance - if you ALREADY have it, please come in

[incognitotoday]

Pet Insurance: What do you have? I have had PetPlan for the past year for both dogs. They are 5 yrs old. My renewal premium is going up $100 A DOG! That is ridiculous. Or the girl explained I can pay a bigger deductible (right now my deductible is $100/dog/new claim) - they will raise that to $200 deductible per claim/per dog.

I am at a loss for words. Even in human insurance this isn't raised this much. She said it was based on the age of my dog - they just turned 5 - not even a "senior" dog. And b/c they are mutts, and that ratio was just increased b/c pure-breds got the raise incrementally each year, and mutts weren't done for 5 yrs. That is why it is so high.

I am shocked - what insurance do you have? Has anyone ever changed from one pet insurance to another and not been screwed? Please respond with anything you may suggest! TIA!

[chessie]

Pet Best- basic accident/illness. Have had t he plan for years, and just added my new dog. Saved me 1000's a year..right now paying 23 for the GSP and 28 for the bull dog. After 100 dollar deductible per incident/illness has been met you get 80% back. You get reimbursed within 5-7 days. I started off with ASPCA- and they were crap- they only would pay 80% of what they felt was a fair amount the vet should be charging...

[incognitotoday]

May 30, 2012 15:33:29 GMT -5 chessie said:

Pet Best- basic accident/illness. Have had t he plan for years, and just added my new dog. Saved me 1000's a year..right now paying 23 for the GSP and 28 for the bull dog. After 100 dollar deductible per incident/illness has been met you get 80% back. You get reimbursed within 5-7 days. I started off with ASPCA- and they were crap- they only would pay 80% of what they felt was a fair amount the vet should be charging...

So since you have been with them for years, can I ask a personal question? Did your annual premium go up each year? $100/dog? That is what is happening to me. I get that a premium will show an increase, b/c the dog ages, but HELLO, $100/dog and they are only 5, not (in most eyes) considered a "senior dog". That is my biggest gripe right now, is that they are increasing EACH dog's premium $100.17!!!

So annoyed - can you tell. Other than that, the plan sounds exactly like yours - $100 deductible/illness/claim/dog, 80% back. Payment sent like 5-7 business days after you submitted claim.

I am just so annoyed to think if I go to another insurance company, they will consider everything with both dogs, "prior" conditions and not help me out. Wahhhh, I hate being a responsible adult! I love my pets so much, that I want to have the insurance on them, but it is raking me over the coals!!!!!

[chessie]

So far so good- bully started off around 23 when I got him, when he was 2- now its up to 28-as he ages, he is almost 9 this year. GSP is 1. Thats pretty insane to me..I would give them a call..if the dog was in the 10/11, i would see why it would go up a bit, but that much? IDK

[incognitotoday]

She said it was also based on mixed vs purebred. Meaning what I said in OP: b/c they are mutts, and that ratio was just increased b/c pure-breds got the raise incrementally each year, and mutts weren't done for 5 yrs. That is why it is so high.

Oh and because I live in CT. Wtf does that have to do with anything!!!

[niemand88f]

Is that 100 increase per year? So a little over $8 a month? That seems like a significant increase but not extreme. However, I would be check if it will go up that much each year, because that will add up quickly. If it's 100 per month then definitely cancel and just start saving a pet emergency fund!

I think my pet insurance will increase each year by at least $2 per month (I currently pay $10 per cat with Embrace).

[incognitotoday]

It's not that way each year. Just because they weren't charging the correct premium for mixed breeds and so after 5yrs they've now decided it was time to charge the correct amount. Also based on my state there's been in an increase.

It's ridiculous.