Pet Insurance - post series, research and links
6/14/07
It started with a question by a friend, “does anyone know of a good health insurance for pets in the states?”
I started researching, interested in the issues, and soon realized that it is a huge topic. So it became a series of blog posts. As time goes on, that series has gotten a lot of hits from people searching for more info on the subject. Not a lot has been written by bloggers - it isn’t sexy, it is tedious - with a notable exception of Laura Bennett, who started Embrace Pet Insurance about a year ago, as of this writing.
Now, you have to assume that she’s going to do her best to sell her product while she’s providing what is an amazing amount of information, yet I was very impressed with how straightforward the information was, how she made sure not to bad mouth the other companies. Sure, she had some pointed remarks about aspects of the pet insurance business, and in the end she really does need to sell her product, doesn’t she? So take it all with a grain or ten of salt - she is still the only pet insurance company trying to educate us, the consumers and the care givers, on the ins and outs of the insurance.
I started with her blog, and found it very helpful in learning the basics, so I could then go look at several insurance companies and analyze them. Laura also has commented several times on my blog posts, both in encouragement and with answers to questions that have sometimes popped up in the comments.
It has been in my head for a while to do a few more posts in the series. The initial posts have sparked conversations with friends, and Mo has shared in the comments some of her own experiences over the years, her frustrations, what she’s looking for, and what she’s found in her research. So finally, I’m adding to the original series. And since it isn’t always easy to find the older posts, here is where I’ll collect the posts, and edit this post as I write more in the series.
Best of luck in your research, and feel free to ask me questions, as I am almost always up for doing more research. Also, any experience anyone can share, either general or specific, good or bad, is always good.
Posts:
“Pet” Insurance, Part 1
“Pet” Insurance, Part 2 - Money
“Pet” Insurance, Part 3 - Companies and Options
“Pet” Insurance, Part 4 - Reviews
“Pet” Insurance, Part 5 - two additional companies, overview
7/12/07
I got a comment linking in a review site: http://www.petinsurancereview.com
I admit I was skeptical when I first looked a the reviews. They were too positive, in my opinion, and unless you’re a brand new company, there’s always going to be someone who wasn’t happy. But then I read VPI’s reviews, and they were much the same as what I’d read elsewhere, so that gives me some confidence in the reviews.
As always, take everything with a grain of salt. I am not endorsing any one product or guaranteeing that any of the reviews are accurate!
9/12/07
Mo provided a wonderful How-To guide on getting the most out of our insurance policies. Thanks Mo!

Hey Deb.
I know that my position as the CEO of a pet insurance company puts me in a precarious place while answering questions on other people’s blog so I appreciate that you allow me to do so.
Yes you got me. I do want people to know about pet insurance and Embrace Pet Insurance in particular. I’ve been working on Embrace for nearly 5 years now (and blogging for over 2 years even though our doors have only been open since last year 2006) and I want to change the flighty image of pet insurance in the US. It’s a bit of an uphill battle but someone’s got to do it! It’s hard to believe from our perspective in the US, but nearly 20% of cats and dogs are insured in the UK and Brits think it’s quite normal to have pet insurance over there. Here in the US where less than 0.5% of cats and dogs are insured, we’ve a ways to go.
Anyway I digress. Thanks for collecting the entries on pet insurance in one place. I’m just writing up my own blog entry on your blog entries (woa, I’m getting dizzy!) and count my blessings for this easy to find reference - excellent!
Cheers!
Laura
Laura,
I’ve been very impressed with how neutral you’ve been. Impressed enough that I had to make sure to mention a couple of times that you really do need to sell your product, so I would make it clear that I was trying to and am encouraging others to remain analytical about it all!
Glad the easy to find reference is a help!
Hello! I am enjoying your Blog, and your series on Pet Insurance. We featured your series in our Pet Product Review Blog today. http://petproductreviews.wordpress.com/ Thanks so much for sharing this information with us, and it is so helpful to pet owners everywhere.
Thanks,
Molly
Molly, I’d never heard of the the types of carriers mentioned in your blog (Admitted and Surplus Lines). Interesting (and maybe frightening in some cases)! I’ll have to look into that further. I’ll also check out your site further. Thanks!
Deb, I think this would be of interest to you too.
Molly, thanks for featuring my pet insurance series!
And yes, Mo, definitely of interest. I hadn’t heard of the different types of insurance carriers either. I’ll have to look into it!
I thought I’d pop in after my night of work before heading off to bed. Seems like your blog is getting featured all over the place these days Deb! Good to see.
Molly is part of the Pet Realty Network that sprung out of Pet Protect, a pet insurance company that is now closed to new business, so she is well up on her insurance nuances.
To start the discussion on the admitted/surplus lines aspect, Embrace is part surplus, part admitted. I’ll go into it more tomorrow as I’m pretty burned out tonight but it’s not so scary as it might sound. Most bloodstock insurance is run this way for example.
Night!
Laura, too funny because I was confused until I saw your blog post, thinking that Molly’s blog was what you meant when you said you were going to talk about my series on your blog! What were the coincidences of 2 different blogs linking to mine in one day? lol.
Thanks for the head start on the admitted/surplus lines aspect. I’ll try to get something done this weekend!
[...] Don’t rule out pet insurance. For some people, pet insurance will save them money when an emergency comes up. (To show I am not biased, I will say that I don’t have pet insurance. I work in a vet hospital and am lucky to receive a very generous discount.) The best thing to do is look at the individual insurance policies and do the math. $8 a month may be worth it. For a great series of blog posts on pet insurance, visit invisible voices . [...]
cool
[...] pet insurers should read all the discussions on pet insurance. The claim experience is where the rubber hits the road with pet insurance and if we don’t [...]
I am a living example that every owner should have pet insurance. I am going through a second dog requiring surgery and it is going to cost me about $3,500 when everything is said and done - the last one was about $4,500. I am over my head in debt and cant pay my bills - all because of the animals I love.
http://roxyssurgery.blogspot.com/
I feel your pain, NPH, and hope your dogs are okay…. I’d much rather spend the money on the animals I love rather than a car or anything inanimate, but I’ve spent a very large amount of money on vet bills ON TOP OF old vet insurance I had. For several years I bought my groceries on credit cards because I didn’t earn a very good salary at the time and had a diabetic cat (and no insurance). That’s why these improvements in pet insurance are so important (in the financial sense…there are other very big ways they’re important too). Now I buy an insurance policy within 24 hours of adopting now.
Good luck with your dog…I hope things go well.
I hope things go well with your pup, NPH. Those surgeries are definitely good reasons to have insurance.
[...] mbailey wrote an interesting post today on Comment on Pet Insurance - post series, research and links by NPHHere’s a quick excerptI am going through a second dog requiring surgery and it is going to cost me about $3500 when everything is said and done - the last one was about $4500. I am over my head in debt and cant pay my bills - all because of the animals I … [...]
does anyone know where I can get pet insurance for a cat who is diabetic? From what I see, there are no policies that cover pre-existing conditions
Kim, unfortunately there is no pet insurance that will cover pre-existing conditions. (It is a bit like trying to get home owners insurance after your house has burned down!) It might still be worth getting insurance, however, because your cat could still break a leg or get sick unrelated to the diabetes.
Laura, who started Embrace, has her own pet insurance blog, and often pops over here to comment, has an article about what we can do about big vet bills for which we have no insurance. It gives several options, which hopefully can help you for any future vet bills.
http://embracepetinsurance.typepad.com/blog/2006/01/what_do_i_do_if.html
I hope this helps!
thank you
Thanks so much for pulling all this information into once place and actually speaking in terms that the average person can understand.
Whitney, no problem! I’m glad it is helpful.
Hi Deb,
I just ran across your post series about pet insurance and found it helpful.
I’m actually working on a project to help pet owners learn about pet insurance. The intent of the web page is present information in an objective view. This way pet owners can learn some of the basics about what to look for in a pet insurance policy as well as things to avoid.
I thought I would mention the site and if you feel it is worthwhile perhaps you would mention it on your site sometime.
Best wishes,
Doug
[...] Invisible Voices - http://invisiblevoices.wordpress.com/pet-insurance-post-series-research-and-links/ [...]