Ask your pet insurance questions

[marko]

Hi members,

Petsecure.com pet insurance and Pets.ca would like to write a frank 'your questions answered' article about pet insurance.

Do any members have any pet insurance questions that they would like answered?

Thx in advance!

[Rgeurts]

I would like to know why they can't give a definitive answer on what would be considered an issue stemming from a congenital illness, which they don't cover. But when I spoke with the rep on the phone all he could tell me when I gave scenarios is that he "thought" it would be covered but couldn't say for sure until it went through the claims process.

They need to have a list of things that would be considered congenital so people can make an informed decision on which plan, or even which company they would like to go with.

[marko]

Thx Rgeurts! Will do

[Barkingdog]

Originally Posted by marko

Hi members,

Petsecure.com pet insurance and Pets.ca would like to write a frank 'your questions answered' article about pet insurance.

Do any members have any pet insurance questions that they would like answered?

Thx in advance!

If a pet has an pre-existing illness will they cover the vet bills ? I know some insurance companies for people will not cover a person pre-existing illness , is this the same with pets?

[Longblades]

Do F1 hybrids and/or mixed breed dogs pay lower premiums for the same coverage than purebred dogs? If so, what checks are made on the purebred or not status? And what data is there to back up the lower premiums charged?

[marko]

these are all good questions - and I too have a few that I might add

- When is the best time to get pet insurance?
- Which are the cheapest dog breeds to insure? what are the most expensive? Does it even work that way?
- Are purebreds more expensive to insure than mixes?
- Are indoor cats cheaper to insure than outdoor cats?
- If my cat or dog is clumsy and needs frequent vet care will rates go up?

Thanks all - I'll likely pass these off by the end of today so any last minute questions would be great. Thanks!!

[Rgeurts]

Originally Posted by marko

these are all good questions - and I too have a few that I might add

- When is the best time to get pet insurance?
- Which are the cheapest dog breeds to insure? what are the most expensive? Does it even work that way?
- Are purebreds more expensive to insure than mixes?
- Are indoor cats cheaper to insure than outdoor cats?
- If my cat or dog is clumsy and needs frequent vet care will rates go up?
Thanks all - I'll likely pass these off by the end of today so any last minute questions would be great. Thanks!!

I can answer the question in bold for ya!! If your pet has what they consider frequent claims, the the co-pay portion will increase to a maximum of 50% (with the same premium... they don't lower it), and I'm pretty sure he said they will also increase the deductible... but I can't be certain.

[Barkingdog]

Originally Posted by marko

these are all good questions - and I too have a few that I might add

- When is the best time to get pet insurance?
- Which are the cheapest dog breeds to insure? what are the most expensive? Does it even work that way?
- Are purebreds more expensive to insure than mixes?
- Are indoor cats cheaper to insure than outdoor cats?
- If my cat or dog is clumsy and needs frequent vet care will rates go up?

Thanks all - I'll likely pass these off by the end of today so any last minute questions would be great. Thanks!!

What about service dogs , would they get a discount? I was about to get a grant for my hearing dog but it only covered emergency vet care.

[Koteburo]

Why petsecure doesn't have a special deal for 2 cats. I heard only for 3 and up