I am the proud parent of 2 chocolate labs, my oldest Louie is 8 and was diagnosed with cancer in Sept of 08, he had to have numerous surgeries and treatment, and after filing the paperwork with his insurance company (not vetInsurance) I received a letter informing me that his coverage had been reduced to 50% due to the number of claims I had made in the past 6 months, and it was at their discretion as to when his coverage would be returned to 80% (still hasn't). My second lab Tikka is 3 and she just had TPLO surgery, which as you may know is a reconstructive surgery, she received the full coverage from VetInsurance with no problems. I wish VetInsurance had been around when Louie was born, I never would have gone with the other company. I have always received immediate responses to my queries from VetInsurance, whereas with the other, I receive anonymous emails, and letters, but the only person I have spoken with was a rep who told me half is better than none, so I should be grateful I have that for Louie. I am grateful for the coverage for Tikka. Also, my premiums have changed so little in the last 3 years, not like with the other company, Louie's premiums have almost doubled in 8 years, and I only get 50% coverage!! My next dog will be with VetInsurance as well. As with any insurance, read, investigate and research, the money has been well spent in my case.
Age of Pet