VIP Pet Insurance – Is It Really Superior Insurance?

If you find that whatever any pet insurer offers as standard coverage is not good enough for your pet, then you have the choice to go to the next level. All pet insurers offer VIP insurance packages – where the VIP stands for your Very Important Pet – albeit using different brand names but this would cover the most comprehensive plans they can think of to offer to you and your pet.

There is no doubt to most of us that our pets are important to us and that they are considered to be part of our family.

We don’t want any harm to come their way and nothing will ever be good enough for them. So we give them the best possible care in as much as we would the members of our family, and many would want the best comprehensive cover available.

In this article, we hope to give you insights on the various VIP packages that are available out there from different companies with the aim of helping you decide what type of a VIP animal insurance package you can get for your pet.

Here is what you can learn from this article:

Click any of the links above to go directly to that section of the article.

VIP Pet Insurance – Accidents Do Happen

Unfortunately, we do not control all events and some things are just unpredictable. Accidents do happen and isn’t it ironic that something always happens when we are least prepared for it. Just as with a car, whenever our wallets are at their emptiest, that’s when the carburetor decides to fail and we have to invest in expensive repairs and new parts.

By all accounts it would seem our pets can give us the same heartache. We cannot insure a car against a breakdown but we can insure our pets for when they are sick, injured and as you shall discover a whole lot more by investing in the best VIP insurance policies for our pets.

That is why it is a wise decision to make sure you get the best possible insurance coverage you can find for your pet. Treating your pet as the Very Important Pet that it is will leave you with a feeling of satisfaction and peace of mind knowing that you have done everything that was humanly possible for it.

Finding the Right VIP Pet Insurance Package

Now to find out what the best possible solution will be for your pet, your vet would be the best person to ask for advice. As he or she knows your pet inside and out, your vet can give you a recommendation on what would be a good coverage plan that would be the best for your pet’s needs.

Your vet would be knowledgeable with the variety of plans that are available from different insurance companies, whether it be VIP dog insurance or for your cat, and therefore be able to suggest which could be the most suitable for your pet.

A little tip though would be to remain conscious that they just may be earning themselves through some return commission arrangement with some of these companies, therefore your vet may have a vested interest in steering you towards particular companies. However, it can be a step up to getting the best VIP insurance solution you are looking for.

This is one of the reasons a good relationship with your vet is vital. If you are not fully confident your vet may be giving you the right advice and suspect they may be thinking more of their own commission, then by all accounts you have the wrong vet.

Most vets will give you straightforward advice without an ulterior motive. If you feel confident in your vet that is a great thing and I can think of nobody more qualified as they deal with such matters daily and would have acquired a lot of knowledge and heard a lot of feedback from their clients.

To be extra cautious you can speak to other veterinary practices and ask them for their advice and opinion as well and collate all information you can get.

List down the recommended pet insurers and call these companies one by one and see what they offer in as far as VIP pet insurance packages are concerned, and compare. You can even ask them to give you references to other clients that have bought the solutions for their pets.

If you are unable to find references (which may be likely as only a limited selection of people buy VIP insurances), then another option for you would be to go check out some of the VIP pet insurance review sites online.

There are several sites that specialize in rating the insurance companies and the public can often leave their comments about good or bad experiences that they have had.

Questions You Need to Ask

Before you select your insurance provider, there are certain questions you need answered:

  • What services and treatments does the plan cover?
  • Are they flexible in meeting your needs?
  • What are the exclusions?
  • Is customer service of good quality?
  • Is the company open 24 hours to answer your queries or call in an emergency?
  • How much will your premiums be for the most comprehensive plan that would be suitable to your needs?
  • What is the payout time? How long do they take to reimburse you?

When you’re fairly satisfied with the answers from different insurers, then you can start comparing and see which one gives you the best.

Samples of VIP Insurance Coverage

Every pet insurer has an offering of a VIP package. Below you will find several sample comprehensive packages from ASPCA and Embrace.

Embrace Pet Insurance

The Illness & Accident Coverage Package offered by Embrace is a lifetime plan to cover your cat or dog against illnesses, except pre-existing conditions whether breed-specific or not, and accidents that include:

  • Breed-specific conditions, i.e. Elbow dysplasia, Hip dysplasia, Interverterbral disc disease (IVDD), Patellar Luxation, Allergies and Cancer
  • Cancer treatment, which would include Diagnostics and testing, Chemotherapy, Radiation therapy, Rehabilitation, Surgery & Hospitalization, and Alternative therapies;
  • Emergency Room care
  • Specialist care
  • Exam fees of your Vet (some companies do not cover this)
  • Optional coverage on Prescription Drugs
  • Routine care which has 2 options that include wellness check-ups and procedures, i.e. spaying/neutering, heartworm treatment, and vaccines; dental check-ups that include teeth cleaning, and dental illness treatments.

Embrace provides accident and illness coverage to mixed breed that includes hybrids, and pure breed dogs and cats, depending on age. Also, if your pet has not shown symptoms or been diagnosed with Cushing’s disease or diabetes. Otherwise, Embrace offers the accident only coverage plan.

There is so much to consider when selecting the right policy for your pet, so it may be as helpful as anything to know what is not covered as much as what is covered.

As far as exclusions are concerned, Embrace will NOT cover the following:

  • Pre-existing conditions, depending whether these are curable or incurable;
  • Treatment for behavioral issues such as aggression;
  • Prosthetics or artificial devices and limbs;
  • Burial and cremation;
  • Pregnancy, whelping and breeding;
  • Injuries caused by mistreatment by yourself, other people or pets living with you;
  • Illness or injury because of racing, fighting, neglect, or cruelty;
  • Certain unsavory practices such as ear cropping, tail docking, and dew claw removal, unless it is a medical necessity;
  • DNA cloning or testing;
  • Stem-cell treatments unless pre-agreed to by Embrace;
  • Organ transplants;
  • Avian Flu;
  • And not surprisingly, Nuclear War.

Reimbursements
You can choose your own level of reimbursement as all plans are customized. This means that you will be reimbursed up to the maximum allowable amount per year, anywhere between $5,000 and $15,000, depending on your choice of plan after your deductible and co-pay, up to a lifetime maximum of $50,000. They do not have category limits.

ASPCA Pet Health Insurance

At ASPCA, this can be the most comprehensive package providing the utmost benefit to you and your pet that may include but not be limited to the following:

  • Accident protection including all related hospitalizations, x-rays, and surgeries;
  • Illnesses coverage, this usually takes effect 30 days after plan starts;
  • Spaying/Neutering, this is strongly recommended in most states for reproductive health and population control;
  • Standard vaccinations, including rabies, coronavirus, and canine and feline distemper vaccines;
  • Advanced vaccinations, including bordetella, lyme, feline infectious peritonitis and feline leukemia vaccines;
  • Annual Physical Examinations, continuing good wellness care;
  • Annual Dental Cleaning;
  • Heartworm prevention;
  • Ongoing conditions continuing care.

What’s Not Covered by ASPCA Plans

  • Similar to Embrace, ASPCA primarily does not cover inhumane treatments;
  • Pets with Pre-existing conditions which they have before you start your coverage;
  • Dental treatments are not covered unless and extraction is required due to an accident or an abscess;
  • There are various exclusions such as costs related to pregnancy, breeding, special diets, grooming, herbal supplies and homeopathic or holistic treatments. Also organ transplants, vaccination tags and health certificates nor travel time to the clinic is covered;
  • You can only be covered for multiple ingestions of foreign objects after one year;
  • They will only reimburse 90% of the charge and not any fee exceeding what is usual and customary;
  • Only on level 1 can you have continuing care for a dog over 9 years old and a cat up to 11 years. On levels 2, 3, and 4 they are non-eligible.

For more detailed information, please click here.

The Companies to Consider

Although there are many on the market, here are several of the VIP animal insurance companies you would like to consider in your selection of the best VIP package available.

In the US: Pet insurers may include ASPCA (866) 861-9092, PetsHealth (800) 807-6724, VPI (888) 899-4VPI, Embrace (800) 511-9172, PetPlan (866) 467-3875, Pets Best (866) 405-3647, Pet First Healthcare (866) 937-PETS (7387), and Trupanion Pet Insurance (800) 569-7913.

In Canada: Trupanion (800) 569-7913, 24 Pet Watch (866) 597-2424, Purina Care (800) 661-3199, Pet Secure (800) 268-1169, PC Financial (877) PCF PETS (723-7387), HBC (800) 664-9204, and Vet Insurance (800) 930-1019.

In the UK: Companies include Tesco 0845 078 3878, Argos 0800 422 0380, Pet-Insurance.co.uk 08449 809 144, and Sainsbury’s 0800 434 6359 to name a few.

VIP Insurance Reviews

Customer feedback is always a good way to get the reviews we need to study the different pet insurance companies and their offers. Many policy holders sign up without full knowledge of what they are covered for and are not aware of some of the exclusions.

These reviews echo disappointment as much as satisfaction. But on analysis it could be said that the information is available but not always fully understood by the insured party. Check out here for customer reviews on Embrace.

In Conclusion

Finding an insurance package for a Very Important Pet is not easy as there are many options available to you as you will find. Consider all the feedback that you can get from other clients as you can never get anymore good advice than from other people who have experienced it.

However, once you have it, it will take care of your pet family member for the rest of its life, and will give you that valuable peace of mind when illness or accidents happen.

As a responsible pet owner, you will not only give your pet the best care as humanly possible; you uphold the rights of your pet to enjoy its remaining life being treated as a VIP. So don’t delay!

12 thoughts on “VIP Pet Insurance – Is It Really Superior Insurance?”

  1. I am a bit curious as to how many readers are actually feeling that providing a VIP pet insurance for your cat or dog is over the limit? How much will you spend on your pet’s well being?

  2. First….VIP Insurance is not the same as VPI (VPI came first) Find out which is better!!

    I spent $700 for minor medical treatment for my dog yesterday…..I wish I had not put off getting a year premium for the same amount when I got my dog.

  3. In their sales pitch they will tell you anything and everything to get you to go with their company; they DO NOT CALL YOU OR EMAIL YOU WITHIN 24 after receipt of your claim to notify you they are in possession of your claim.

    If they tell you they are processing claims in 1 week they really mean 1 month or more for a $22.00 claim.

    Understand, I am NOT upset about the reimbursement; I am upset about the lies I get each and every time I call there.

    If the sales person at VPI starts off with the spill, “The best thing about our company is…” stop them immediately. Tell them that in order for you to consider their company they will have to put those words in the the contract or quotation.

  4. Hi RainbowWarrior.

    Wow, it seems like you have had a really bad experience with them. Would you care to tell everyone a little more about the actual situation so that everyone could learn some more from it?

    Thank you for sharing your comments.

  5. I have pet insurance on my horse and dog through two different plans. I do it because I never want to be in a position of making a decision based on money when it comes to taking care of my pet.
    It allows me to sleep better a night knowing they are protected – I am sure most people with pet insurance do it for the same reason.

  6. My friend (retired, on Soc. Sec) got a call from a VPI salesperson; he fed her a line & she bought it…hook, lie, and it almost sunk her! When I read over her pet’s policy, I advised her to email or call VPI asap to cancel it. Thank goodness, she did. VPI’s policies have so many exclu-sions & exceptions; not to mention the claim process, limits, & amts. actually reimbursed after the deductible is applied; that it has more holes than Swiss cheese!
    Check out Petplan or Trupanion Pet Insurance, and you’ll see the difference in coverage.
    Always! Always! Read the policies’ “excep-tions” or “exclusions” before purchasing. And if a agent tells or promises anything, get it in writing “BEFORE” you pay for the insurance.
    My friend was fortunate; VPI refunded her 3/4 of the premium she paid.

  7. I had a beloved black lab that i found in a shelter 15 years ago, 4 weeks old and abandoned in a casino parking lot. He turned out to be the greatest dog in the world. Later on in life when he developed cancer, we opted not to pursue treatments because it wasn’t a spreadable type and he was in no pain. (it was a small tumor that did not grow on his leg). During his twelfth year, the tumor which he had for approx 7 years grew immensely in a few months and we went for tests, expecting malignancy but knowing he lived 7 years without the horrors of chemo or radiation, by just taking very good care of him and watching that lump every day. When the bad news came back, the good news that it was still not in bone or blood was a God-send. We went to a surgeon, who said “i can fix this, it is expensive, and it is NOT GOOD, i am just going to tell you this…but, considering his age, if it does come back it wont be for a very long while” .

    We agreed. This MIRACLE WORKER, Dr. Mason of Las Vegas, NV, cut the orange sized tumor off his leg, pulled the remaining skin so tight so grafting was not necessary, that the dog’s skin was bruised for a few days, and within a week BlackJack ( what else would we name our Las Vegas found Black Lab) looked as if that little bump turned mound never existed. Well that bought us almost two and a half years with our beloved dog, but when the cancer did come back, it spread through his liver within a day and killed him…again, two and a half years of pain free happiness…later. Poor puppy was mercilessly in pain for only a day. All that said and done, the operation cost us nearly four thousand dollars, and i don’t regret one single dime, but we had to beg, steal and borrow to pay it, and Dr. Mason was SO accommodating with payments and at the time the GE health care credit card was another savior.

    However on the other end of the spectrum, on the day that Black Jack died, his stomach twisted and inverted and he collapsed. Rushing him to the most wonderful vet that ever existed, Dr. Anton Roach, who was our only vet for the entire time we had animals, we were horrified to find he was on vacation and this Cruella DeVille of a horrid woman who was on duty told us first, she could not “beep” Dr. Roach for us, second, if we took Black Jack now there was a 1% chance of survival, and second the operation was going to be very expensive, within the range of six grand. Telling her practically, that it didn’t matter what the cost was, I would practically go homeless and work as an indentured servant for him, she WOULD NOT CONSIDER EVEN ANESTHESIA UNLESS WE WERE TO PRODUCE AT LEAST HALF OF THE COST OF THIS PROCEDURE. So now, in utter disbelief, disgust, fear and panic, we are in the parking lot of the vet at 7PM on a Sunday night trying to find three thousand dollars.

    My partner was so enraged and this woman’s lack of concern for the animal and love of the almighty dollar, that he threatened to bring the police in if Dr. Roach wasn’t paged. The receptionist, who we later profusely apologized to due to our fear and panic, became so shaken by his voice, she had paged him. DR. ROACH WAS IN THE PROCESS OF BOARDING AN AIRPLANE TO READ THE EULOGY AT HIS AUNT’S FUNERAL WHEN HE STEPPED OFF THE PLANE, GRABBED A CAB, AND ON THE JOURNEY BACK TO THE OFFICE, CALLED THE OWNER AND TOLD HIM, NOT ONLY WERE WE GOOD FOR THE MONEY BUT HE WAS GOING TO DO THIS PROCEDURE COME HELL OR HIGH WATER. Our next response from Cruella was “Dr. Roach is on his way”, and proceeded to set poor black jack up for surgery. When he came in the office and told us where he had come from, we both broke down, and so did he. He assured us that he could catch a late flight and make the funeral with no problem, but he wanted to let us know that if he opened up Black Jack and there was something other than this stomach issue, he wasn’t going to revive him. We both said at the same time “THAT’S WHY WE WANTED YOU HERE” ..

    Where on earth do you find a dedicated, trustworthy, honest and considerate doctor like this, let alone human being. We pray for him everyday that he has nothing but happiness and good fortune in his entire life for the selflessness and caring and compassion for animals and humans alike. And also for that woman “animal-watcher poor excuse for a vet fill-in” that upset us so great. We pray that she sees what she has done and uses the experience to figure out what is more important to her in her life and pursue that, so she can never ever in her life make one other human being feel the way she made us feel that night, and instead help them. We were very very lucky with that and talked about pet insurance for our other dog, our beautiful Samoyed, Simba, who we rescued from a Samoyed rescue here in town…another absolutely wonderful woman who gives 100% of herself to her animals, Sue at nvsammysue@earthlink.net, the only Samoyed rescue here…HIGHLY recommended for her care, her honesty and her loyalty…

    We adopted her for Black Jack 10 years ago when he went into a slump for three days over the death of our two 15 year old cats that had raised him. She was just the trick. Well, on the other end of the spectrum, we have hit the worst possible black clouds in the last 18 months in our personal lives. We both lost our jobs of over 10 years, our house was foreclosed upon, one of us got, treated for and miraculously able to recover 100% from a case of , i use the term mild, cancer, but the radiation and the medical bills were enough to consider death (joke). The other of us was hit head on by a drunk driver (miraculously no injuries, if the other was in the car, would have been fatal) and went without a car for 8 months in a town where public transportation is practically non-existent. Lost Black Jack and now had to move into an apartment. Well, just settling in, not one month later, just was able to file for my unemployment after bouts with psychiatrists over anxiety disorder, in and out of hospitals (could you blame me HAHAH) , got my first check, ready to look for new work, when poor Simba, only ever having 1 tooth pulled over her lifetime, get’s this FREAK of a rash on her snout and eyelids.

    Unfortunately, Dr. Roach does not have a private practice, and I will NEVER step foot in the Animal Hospital that should quadruple his salary and kiss the floor that he works for them, so we rushed her immediately to a vet right next door to our new place. God himself placed us in the hands of Dr. Park, who knows Dr. Roach very well, and we immediately felt we had done the right thing. He explained to us the possibilities, had no problem taking our calls or questions.. gave me some “diseases and rash clinical names” to research… and was point blank about everything he diagnosed with what I read, and THANK GOD, his true compassion comes through and his words are courteous, and empathetic, not “matter of fact”, perturbed, or God-complex.” After an expected flareup, we have to watch our poor girl closely for a while and he was able to use the proper medication to get her comfortable quickly while we see what’s wrong, biopsy, blood, urine, etc… Well as wonderful and comfortable as we are, I am at zero income for the last two months, and the two days at the vet, was over seven hundred dollars ! There went my first unemployment check, and a bit more of embarrassing borrowing, but you do what you have to do for a member of the family that you devote yourself to taking care of and love. Well, we called Dr. Park today, and in speaking with his equally caring and wonderful staff at Courtyard Animal Hospital, Las Vegas, pet insurance was highly recommended. Folks, unfortunately, the drug and insurance companies, which now it is OBVIOUS, was the main reason for the beginning of the “fall of the American Empire” and continue to rape the public, have found a new niche to up the cost of an aspirin to twenty five dollars a pill, except it’s not us, it’s our pets…

    Pet insurance was almost a “novelty” item just 5-6 years back, but when these wonderful caregivers of animals, the form of life that was here first, and ALLOWED US to co-habitate with THEM, have no choice but to charge this kind of money, just to be able to squeak by their daily life, we have no choice but to succumb. If we gathered as the 60s generation did, and DEMANDED these communist conglomerates out when they started hiding, robbing and “bonus-ing” America by allowing the Health Care System, an outright deplorable disgrace in the USA in the 21st Century, to go as far as it did, we wouldn’t have to have supplimental insurance, referrals, offices dedicated just to dealing with insurance forms, and “legal” drug pushers that fill a doctor’s appointment book more than patients per week. And now it’s our other creatures they are “caring” (fingers crossed and pocket book open behind their back) for. We have no one to blame but ourselves. Thanks for taking the time to read these rants and raves, but hopefully it will bring into insight two sides of the pet insurance decision, once “comfortable” (never wealthy haha) and once almost poverty stricken, protect that protector of you… sleep well knowing you will always be able to bring them to the vet and not have to say, “well what is the least i can do that can’t wait until my tax refund” or “how deformed will they get if i don’t do it” …. I am ordering today so I never have to compromise the suffering of an animal to another Cruella ! I now know why these kind and caring individuals decided to practice veterinary medicine rather than human. Peace and Love to all !! Joe, Las Vegas, NV

  8. I had a beloved black lab that i found in a shelter 15 years ago, 4 weeks old and abandoned in a casino parking lot. He turned out to be the greatest dog in the world.

    Later on in life when he developed cancer, we opted not to pursue treatments because it wasn’t a spreadable type, and he was in no pain. (it was a small tumor that did not grow on his leg). During his twelfth year, the tumor, which he had for approx 7 years without a budge, grew immensely in just a few weeks and we had to face it now without wait. We went for the tests, expecting malignancy but knowing he lived 13 years without the horrors of chemo or radiation, by just taking very good care of him and watching that lump every day.

    When the bad did come back, it had some hope attached, it was still not in bone or blood, but without amputating the leg, a surgeon would be necessary because it was just too close to the bone. We asked our vet if he could recommend one and when he told us that it was the man who trained him as a vet, there was just the matter of the appointment time. The surgeon said “i can fix this, it is expensive, and that tumor is NOT GOOD, but i am just going to tell you this, considering his age, he will be a progressed senior if the cancer comes back. In other words he would be close to dying age if the cancer did spread so rather than opting for painful treatments again, we agreed to the removal. Less pain, more quality of life. Dedicated to saving lives of animals, this wonderful man was telling us, without TELLING us, that we were doing the right thing. This MIRACLE WORKER of a surgeon, Dr. Mason of Las Vegas, NV, cut the orange sized tumor off his leg, pulled the remaining skin so deftly tight so grafting was not necessary, and gave us the RIGHT drugs to keep him (but unfortunately not us) on Jupiter throughout this, that within a week BlackJack ( what else would we name our Las Vegas found Black Lab) looked as if that little bump-turned-mound never existed.

    Well that bought us almost two and a half years with our beloved dog, but when the cancer did come back, it spread through his liver within a day and killed him…again, an additional two and a half years of pain free happiness. Poor puppy was sadly in pain, thankfully, for only a day. All that said and done, the operation cost us nearly four thousand dollars, and i don’t regret one single dime, but we had to beg, steal and borrow to pay it, and Dr. Mason was SO accommodating with payments and at the time the GE health care credit card was another savior.

    However, on the other end of the spectrum, on the day that Black Jack died, his stomach twisted and inverted and he collapsed. Rushing him to the most wonderful vet that ever existed, Dr. Anton Roach, who was our only vet for the entire time we had animals, we were horrified to find he was on vacation, and this Cruella DeVille of a horrid woman who was on duty, told us first, she could not “beep” Dr. Roach for us, second, if we took Black Jack now there was a 1% chance of survival, and finally, the operation was going to be very expensive, within the range of six grand.

    Not even a thought, we immediately reiterated that it didn’t matter what the cost was, we would practically go homeless and work as an indentured servant for him. SHE WOULD NOT CONSIDER EVEN ANESTHESIA UNLESS WE WERE TO PRODUCE AT LEAST HALF OF THE COST OF THIS PROCEDURE. So now, in utter disbelief, disgust, fear and panic, we are in the parking lot of the vet at 7PM on a Sunday night trying to find three thousand dollars. My partner was so enraged at this woman’s lack of concern for the animal, and love of the almighty dollar, that he threatened to bring the police in if Dr. Roach wasn’t paged. The receptionist, who we later profusely apologized to due to our fear and panic, became so shaken by the demand in his voice, already had paged him. DR. ROACH WAS IN THE PROCESS OF BOARDING AN AIRPLANE TO READ THE EULOGY AT HIS AUNT’S FUNERAL WHEN HE STEPPED OFF THE PLANE, GRABBED A CAB, AND ON THE JOURNEY BACK TO THE OFFICE, CALLED THE OWNER AND TOLD HIM, NOT ONLY WERE WE GOOD FOR THE MONEY BUT HE WAS GOING TO DO THIS PROCEDURE COME HELL OR HIGH WATER. Our next response from Cruella was “Dr. Roach is on his way”, and proceeded to set poor black jack up for surgery. When he came in the office and told us where he had come from, we both broke down, and so did he. He assured us that he could catch a late flight and make the funeral with no problem, but he wanted to let us know that if he opened up Black Jack and there was something other than this stomach issue, he wasn’t going to revive him. We both said at the same time “THAT’S WHY WE WANTED YOU HERE” .. Where on earth do you find a dedicated, trustworthy, honest and considerate doctor like this, let alone human being. We pray for him everyday that he has nothing but happiness and good fortune in his entire life for the selflessness and caring and compassion for animals and humans alike. And also for that woman “animal-watcher poor excuse for a vet fill-in” that upset us so great. We pray that she sees what she has done and uses the experience to figure out what is more important to her in her life and pursue that, so she can never ever in her life make one other human being feel the way she made us feel that night, and instead help them.

    We were very very lucky with that and talked about pet insurance for our other dog, our beautiful Samoyed, Simba, who we rescued from a Samoyed rescue here in town…another absolutely wonderful woman who gives 100% of herself to her animals, Sue at nvsammysue@earthlink.net, the only Samoyed rescue here…HIGHLY recommended for her care, her honesty and her loyalty…We adopted her for Black Jack 10 years ago when he went into a slump for three days over the death of our two 15 year old cats that had raised him. She was just the trick.

    Well, now the epic reaches it’s “oh you gotta be kidding me” continuation…

    We have hit the worst possible black clouds of luck in the last 18 months in our personal lives. We both lost our jobs of over 10 years, our house was foreclosed upon, one of us got, treated for and miraculously able to, recover 100% from a case of , i use the term “mild” , cancer, but the radiation and the medical bills were enough to consider death (joke). The other of us was hit head on by a drunk driver (miraculously no injuries, if the other was in the car, would have been fatal) and went without a car for 8 months in a town where public transportation is practically non-existent. So with no money, no car and our only spark, Simba left, we had to move 15 years of home life in a 3 bedroom house to an apartment. (By the way, we lost the house because the HUD approved loan modification company we hired to renegotiate our mortgage never notified our bank, and it was sold from under us. Company is gone, HUD said “too bad, so sad” and our bank said “no recindication of foreclosure because no one ever got back to us” – imagine that ! Great help for taxpaying, Americans ! – EVERYONE should stop paying EVERYTHING… see how fast the country changes)

    Well, just settling in, not one month later, just was able to file for my unemployment after bouts with psychiatrists over anxiety disorder, in and out of hospitals (could you blame me HAHA) , got my first check, ready to look for new work, when poor Simba, only ever having 1 tooth pulled over her lifetime, get’s this FREAK of a rash on her snout and eyelids. Unfortunately, Dr. Roach does not have a private practice, and I will NEVER step foot in the Animal Hospital that should quadruple his salary and kiss the floor that he works for them, so we rushed her immediately to a vet right next door to our new place. God Himself placed us in the hands of Dr. Park, who knows Dr. Roach very well, and we immediately felt we had done the right thing.

    He explained to us the possibilities, had no problem taking our calls or questions.. gave me some “diseases and rash clinical names” to research… and was point blank about everything he diagnosed with what I read, and THANK GOD, his true compassion comes through and his words are courteous, and empathetic, not “matter of fact”, perturbed, or God-complexed.”

    After an expected flareup, we have to watch our poor girl closely for a while and he was able to use the proper medication to get her comfortable, quickly, while we see what’s wrong, biopsy, blood, urine, etc…

    Well as wonderful and comfortable as we are, I am at zero income for the last two months, and the two days at the vet, was over seven hundred dollars, and that was LESS than we expected. This man didn’t even know us and was willing to take installments, when the other hospital we were associated with we had a 15 year record with and paid them thousands !! There went my first unemployment check, and a bit more of embarrassing borrowing, but you do what you have to do for a member of the family that you devote yourself to taking care of, and love. Well, we called Dr. Park today, and in speaking with his equally caring and wonderful staff at Courtyard Animal Hospital, Las Vegas, pet insurance was highly recommended.

    Folks, unfortunately, the drug and insurance companies, which now it is OBVIOUS, was the main reason for the beginning of the “fall of the American Empire” and continue to rape the public, have found a new niche to up the cost of an aspirin to twenty five dollars a pill, except it’s not us, it’s our pets…

    Pet insurance was almost a “novelty” item just 5-6 years back, but when these wonderful caregivers of animals, the form of life that was here first, and ALLOWED US to co-habitate with THEM, have no choice but to charge this kind of money, just to be able to squeak by daily life, we have no choice but to succumb.

    If we gathered as the 60s generation did, and DEMANDED these communist conglomerates out when they started hiding, robbing and “bonus-ing” America by allowing the Health Care System, an outright deplorable disgrace in the USA in the 21st Century, to go as far as it did, we wouldn’t have to have supplimental insurance, referrals, offices dedicated just to dealing with insurance forms, and “legal” drug pushers that fill a doctor’s appointment book, more than patients, every day. And now it’s our protective creatures they are “caring” (fingers crossed and pocket book open behind their back) for.

    We have no one to blame but ourselves.

    Thanks for taking the time to read these rants and raves, but hopefully it will bring into insight two sides of the pet insurance decision. Once “comfortable” (never wealthy haha) and once almost poverty stricken, we have seen both sides. Protect that protector of you and your family… sleep well knowing you will always be able to bring them to the vet and not have to say, “well what is the least i can do that can’t wait until my tax refund” or “how deformed will they get if i don’t do it” …. I am ordering today so I never have to compromise the suffering of an animal to another Cruella !

    I now know why the good vets, kind and caring individuals, decided to practice veterinary medicine rather than human. (and to Dr. Roach, Dr. Mason and Dr. Park – you would be the VETERINARY DREAM TEAM- THINK ABOUT IT !!!!)

    Peace and Love to all !! Joe, Las Vegas, NV

  9. I am trying to find a good health insurance company for my 12-year old Belgian Malenois. Any suggestions? I’m looking for one that pretty much covers everything. Any help would be great

  10. We had VPI Insurance for 1 year before canceling it. They have so many loopholes in their contracts you’ll want to STAY AWAY from VPI Insurance. They claim #1 because they spend so much in advertising and partner with corporations, but if you read their customer ratings in YELP or elsewhere, you realize they are a SHAM. I was warned by a neighbor, but learned the hard way and now I wish I would have listened NOT to go with VPI.

  11. NOPE! I cannot be more passionate about how terrible this company is! They are false in their advertisement! I had this company for 8 of my Pomeranian,s 12 years. In the beginning I thought they were fine, HOWEVER…..it has taken going through the years to see their real colors!!! I couldn’t under stand why my premium kept increasing, especially when all their advertisements and quotes to other people .were so much less than mine. at that point he was healthy and we really didn’t need much. SO , I have spent literally thousands into this company with little to no claims…. ( and another gimmick is to recruit though employers discounts, THAT SOON DISAPPEARS!) Now that I need them, I have had to spend a thousand out of my pocket for diagnostics ( xrays and labs) to determine if he had a brain lesion , but ended up a spine problem. Mind you, I am a Registered Nurse in ER and I am being sensible and conservative on what needs done. I declined things like a 1200.00 CT scan and some other things, actually changed Vets because the first Vet was a waste of time, wasn’t really able to find the problem. The current Vet is very accommodating according to your budget and wishes. Very conservative……VIP would only reimburse less than 1/2. I fought so hard and they could care less!!!! No explanation, no desire to re examine claims, no consideration for the loyalty I showed them, they got my money and left me hanging when I really needed them. I even told them I did not expect every cent back, but only 1/4 of the total paid….!!!! They are rip offs that you won’t find out til too late!!! Please google other sites that have Many similar dis satisfied customers!!!!!! The good news is, I have changed and researched other companies out there that were not available years ago and they ARE credible and fair!!! PLEASE do yourself and your pet a favor, go with another company!!!!!!!

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