We decided to get pet insurance for our puppy, Gonzo, when he was just a few months old. I had never opted to use pet insurance before but with the rising costs of pet care and unforeseen issues, I know a dog can have from being a dog owner my whole life, my wife and I decided to take the plunge.
In an attempt to make a long story short, it has not only been virtually useless for us, but it has actually managed to get worse in less than two years.
First of all, virtually any and everything is considered a pre-existing condition. In other words, unless it is a true emergency or something that comes up completely unexpected and has nothing even slightly possible to do with anything your dog has ever visited the vet for in the past, you can expect to receive nothing.
However, this is not my biggest issue with Pet Plan. Over the past couple years, I gained a better understanding of what they will and will not cover. Therefore, when my dog was the victim of a bite from another dog that required a fairly expensive procedure to heal properly, I initially breathed a sigh of relief that we had at least had pet insurance. Now, quite frankly, it stinks that their deductibles are based on a per incident basis. Meaning, you pay the deductible each and every time you make a claim for your pet. However, since our deductible was $200, I knew or at least thought I knew that we would still be receiving more than half of the bill back in reimbursement. However, instead, I received a letter in the mail stating that we would be receiving nothing back. I quickly noticed that our deductible was now $450! Keep in mind that this is NOT anything that we were ever informed about. No letter, no call, no e-mail saying, "hey, your deductible is being more than doubled!)
This situation has me incredibly frustrated. Fortunately, the dog I have coverage for is still young without too many pre-existing conditions. Therefore, at 2 years old, I am starting to shop around for a better company and policy. We also recently adopted a 10-month-old Beagle/hound mix who we would like to get covered as well.
After paying Pet Plan for nearly 2 years, I expected a better nonchalant answer saying "we changed underwriters and they increased the deductibles." That is NOT a small increase. It is significant enough that it makes the monthly premiums we are paying virtually useless.
I have been very disappointed in Pet Plan and my first experience trying to use pet insurance.