I have VPI and I am thinking about changing to Trupanion + Banfield.
I had VPI with my pitbull in the past and at the time it worked for us so when I got Izzy I decided to go with them again but now I regret it. I pay the most expensive plan with them with the addition of the wellness plan but after my second visit at the vet she already maxed out the yearly benefits for shots, deworm medication and many other items. Here's an email I sent to my bf earlier this week, hope it helps:
I am doing a study and checking all the possibilities but her current pet insurance max out rates are very low and for example it wont cover any other shot because we already reached the yearly max. Also for her cherry eye surgery out of 450 that I spent it may cover 200 only. The benefit schedule is not the best….
I am shopping around right now but the best option might be a combination of the Banfield (which it would be the petsmart on Sheperd and they have a vet that knows bulldogs) for the wellness appointments/shots/ etc with the Trupanion which has a policy that covers up to 90% of any procedure with a deductible of $100/year.
The wellness costs 24.95/month(http://www.banfield.com/Pet-Owners/Optimum-Wellness-Plans/Dog-Plans ) and the Trupanion costs $36.17
Right now I am paying with VPI: Major Medical Plan with $100 deductible $28.73 plus CareGuard $22.00 for the wellness. (both plans are attached to the email in detail)
Out of our 3 claims we submitted so far this is what we got back:
10/06 - $71.87 reimbursed out of $116.01
10/27 - $48.13 reimbursed out of $118.06
11/14 – pending ($447.87 claim).
Banfield Essential Wellness (considering that we wont switch Izzy until she is 6 months which is Jan. 7th).
Dog Plans (6 months or older)
As they age, dogs' health care needs inevitably change. Make sure to consult with your Banfield veterinarian when choosing or changing your Optimum Wellness Plan®.
REMEMBER!You and your veterinarian can personalize your plan with custom options to fit your pets’ evolving needs.
Comprehensive Physical Exam (2x/year)
This in-depth evaluation assesses your dog's overall health and establishes important baseline information.
- Ear exam
- Eye exam, including eye pressure
- Rectal exam
- Dental exam
- Neurologic evaluation
- Cardiovascular evaluation
- Weight & nutrition counseling
- Coat & skin evaluation
- Abdominal palpation
- Urogenital evaluation
- Musculoskeletal evaluation
- Pulmonary/lung evaluation
<image002.gif> <image002.gif> <image002.gif> Vaccinations*
Protects against a wide variety of diseases and infections, based on your pet's individual needs.
- Distemper/Parvo (1x)
- Bordetella (2x)
- Leptospirosis (1x)
- Lyme disease (1x)
- Rabies (1x)
<image002.gif> <image002.gif> <image002.gif> Diagnostic testing
Identifies disease, parasites and infections. Catches issues early before they become more serious and harder to treat. Builds baselines for current and future care.
- Blood work, including internal organ screens
- Heartworm/Lyme/Ehrlichia test
- Ear swab and microscopic exam**
<image002.gif> <image002.gif> <image002.gif> Fecal exams (2x)
Detects parasites and other intestinal organisms that can cause disease.
<image002.gif> <image002.gif> <image002.gif> Deworming (2x)
Treats roundworm, hookworm and other intestinal organisms that can cause disease.
<image002.gif> <image002.gif> <image002.gif> Dental cleaning
Prevents serious infection, tooth loss, pain and potential for heart and kidney disease. Thoroughly assesses your dog's health before anesthesia.
- Pre-anesthetic blood testing
- Complete blood count
- Internal organ screens
- Blood pressure check
- General anesthesia
- Pain medication***
<image002.gif> <image002.gif> Urinalysis
Detects infections, dehydration and disease.
Chest X-rays (3 views)
Evaluates the tissues, organs and bones in the chest cavity. Assesses potential breathing or heart issues.
Verifies that the electrical system in the heart is functioning normally.
Free office calls/exams
No need to delay when you have a concern about your dog's health!
<image002.gif> <image002.gif> <image002.gif> Discount on most other Banfield products and services
Save on other care your pet may need.
10% 15% 20%