|Barked: Mon Dec 5, '11 8:58am PST |
Before we got Fezzik, we looked into getting pet insurance. I investigated a few companies, and we settled on ASPCA. We got level 3 coverage (which is supposed to cover pretty much everything you can think of) with the idea that when he's done with all his shots and neutering, etc. That we would then switch to an accident-and-illness-only plan. We had quite a few things done, and I had collected a LOT of receipts and finally got them together a couple of weeks ago and turned them in. We spent something like $700 so far on sits, medicine for giardiasis, checkups, etc. I got the reimbursement check over the weekend, and it was a whopping $5.00.
Saw a bunch of "exclusion codes" in the description of what was going on, but no explanation as to what these codes were. So I googled, and lo and behold! Discovered that the underwriters for ASPCA insurance are pretty darn shady. Something that did NOT come out while researching the company.
The most notable item was the "deductible reset." now, we knew the deductible would reset every year - all insurance does this - but what we didn't know was that when your deductible resets, you're treated as a new client. So not only does the annual deductible reset, any illnesses reported before are now considered "pre-existing conditions" and if you're within 30 days of the reset date, they won't cover it (because the account is "activated" 30 days after you first open it. Which is amusing, since they only give you 30 days to get your money back after opening the account...so you don't even get to try them out first.)
So, let's say your account renews August 1. Only July 31, you go to the vet for a regular checkup and discover he's got some curable illness. You pay for the medicine and submit your claim, but it's the end of the day, so it doesn't get recorded until August 1. in that case, ADPCa will 1) not pay the claim (because it's reset for the renewal and you have a 30-day waiting period before you can claim anything) and 2) the illness is filed as a pre-existing condition, and they will never cover it again.
Hubs and I aren't happy. So we want to switch to something more realistic. W are hearing really great things about Happy Paws insurance and Trupanion. I do hear that Trupanion has a per-incident deductible, and I think we could totally live with that, as long as stuff like illnesses, accidents and any shots or medication are covered. He's already been altered, so we don't need to be concerned with that anymore. But I definitely don't want something that will do what ASPCA apparently does, where they reset everything every year and treat you like they've never covered out before.
Anyone have any input on that? And does anyone know how hard it is to move from ASPCA to something else?
My second question is about teeth. What's the best thing to keep Fezzik's teeth clean? Are Greenies okay, or should we get a toothbrush?