Morris Animal Foundation

About Dr. Jack Stephens

Questions and their answers are listed with the most recent first. Click here to ask a question of your own.

Dr. Jack Stephens is the founder of pet insurance in the United States and most recently of Pets Best Insurance. A former practicing veterinarian, Stephens is a pet enthusiast who shares his home with multiple dogs, two cats and several horses. Jack's driving passion to increase the quality of pet care encouraged him to found Pets Best.

Jack has written and published numerous articles about pet health insurance, was a contributing author for a leading veterinary trade magazine, and is a vocal advocate for the positive effects pets have on our lives.

For all things pet related, Jack is the guru people turn to. If he doesn't know the answer, he personally knows the person who does. His leadership and experience make him our very own Captain Jack.

mary asks:

I am looking for insurance for my 18 month old Malti Po
Would like to have her coverd for her shots, guess I want wellness type plan, also accident and medical problems that come up.Can I get that all coverd for 20 dollors a month, or will that cost me more money. Iam on a fixed income.Would like to have your quote from your company. Iam just learning to use my computer. Thank you so much, I need your help.

Dr. Jack Stephens responds:

Mary,

Now is a great time to get your dog insured before a serious illness or accident occurs. Pets Best has multiple plans to fit your budget, and all can have a wellness rider added for routine care. It’s easy to get a Pets Best Instant Quote from the Morris Animal Foundation homepage. Click on the “Resources” button at the top of the MAF homepage and select Pet Insurance in the dropdown menu. On the Pet Insurance page that will come up, click on the www.petsbest.com in the second paragraph and you will receive a discounted quote from Pets Best by entering the APMAF10 discount code.
Jack

yvonne asks:

Hi,my dog is 13 years old and we recently moved to US. I herad that pet bills are really high here so i am looking for the most convienent pet insurer for our case. The thing is since my dog is really old i am afraid that the insurance company wont pay expenses claiming that my dog had the deasease or problem proir to the contract. Shoud i look for insurences covering hereditaire deaseses? I would be grateful to hear your suggestions if any.
Thanks in advance,
regards

Dr. Jack Stephens responds:

You are wise to consider pet insurance for your dog to help offset the rising cost of veterinary care. Pets Best has no age limit for insuring pets. However, any disease or condition that is present or developing at the time the insurance is taken out cannot be covered in order to keep premiums as low as possible for everyone. We do guarantee accidental injury coverage even if a serious illness is already present though. By the age of 13, most hereditary conditions will have already manifested if they are going to. Jack

Emma Christie asks:

Hi,

I have a two year old cat who just had kittens a month ago. Today she jumped up on the counter, and ate a whole piece of raw chicken! Will she die? Will she or her kittens be harmed?

Emma

Dr. Jack Stephens responds:

You shouldn’t have anything to worry about, Emma. A cat’s immune system is much better at dealing with eating raw meat than ours is. Watch for any sign of digestive upset like vomiting or diarrhea. If any problems occur, make an appointment for your veterinarian to exam your four-legged family member. The kittens should be fine, too. Jack

Ernest Hopkins asks:

Are there very amny grants and funding opportunities for animal shelters and do you know of any organizatiosn that wouldbe interested in funding a local Atlanta Georgia based animal shelter

Dr. Jack Stephens responds:

I applaud your passion for starting an animal shelter to help save pet’s lives. The Pets Best ShelterBest program helps shelter pets and new pet parents provide health care by offering discounted pet insurance through the adopting shelter. There is even a method by which the pet owner can donate the discount back to the shelter to provide help with funding. In your case, there are grants available from local and national foundations that can help finance a shelter. The best bet is to work with like-minded individuals to raise awareness of the pet abandonment problem in your area and seek help from community members to help support a shelter.
Jack

blythe reichert asks:

I am attempting to contact you about my deceased sisters Alexis Reichert’s pet insurance. My sister Alexis Reichert died on January 27th 2008. She had her cats Traffic, Belk and Malibu insured through you company. My sister’s cat Traffic started having urinary tract problems shortly before her death and she had scheduled surgery for the cat in the beginning of February. We took the cat to the appt after my sisters death and we paid cash for the surgery. We have not been reimbursed for the cost of surgery and we have also been unable to get a refund on the remainder of her policy premium in the name of the executor of the estate which is me, Blythe Reichert. I have the cats and all of my sisters possessions. Although my sister did not have a will, we have had no problems with the state of California getting her body released for cremation or having her death certificate or coroners report issued to me so I do not understand what the issue is with getting the monies returned after her death. I would appreciate your help and attention into this matter. I am sorry for posting puplicly but I have been unable to get anyone to at you Boise office to give my a direct email address for you.
Sincerely,
Blythe Reichert

Dr. Jack Stephens responds:

Dear Bythte,
I am so sorry for your loss and I am always available to help our policyholders. The policy clearly allows executors, even temporary ones to recieve payment for a claim and a refund due to death. We want pets to always recieve the care they need without concern for reimbursement. Any of our Customer Service representatives should be able to provide both claims payments for covered claims and refunds. It will be done immediately if not already accomplished. I hope the kitties have a new home. I am sure your sister was concerned for their care. Jack

Bonnie Kisko asks:

I foster for American Brittany Rescue, Inc., CURS, Inc., Aussie Rescue, etc etc. I am also a “transporter” for OTRA and other groups. Here is my problem: I picked up a dog off I-10 in September 2007 9Nick); all has gone well until 6 weeks ago. Nick attacked one of my own dogs, Petie. He has become my $6,000 + dog with all the injuries. Most insurance for pets do not cover ‘pre-existing conditions’, but is there any that will cover/accept anything like this? I SO need some fincial help!

Dr. Jack Stephens responds:

Bonnie,
Yes but it cost you and your veterinarian. Ask about Chase Bank Health, Vine Steet Financial, Care Credit or Med Choice, all of which can finance care (subject to credit rating) by having the veterinarian discount and provide you with delayed payment options. Usually interest is waived if repaid prior to or by the interest free period. If you are later paying, then expect to pay a higher interest rate. This is another reason to have pet insurance where for an affordable monthly premium you can have peace of mind and no financing charges. Jack

Nicole Kurtz asks:

I have four dogs at any given time. I signed them all up for VPI and was astounded at the abysmal reimbursement I got for their various health problems and surgeries. I am leery to sign up for another insurance, fearing the same problem. Any suggestions?

Dr. Jack Stephens responds:

Dear Nicole,
I fully understand, it is because they pay from a benefit schedule (which I created) and it does not reflect your veterinarians fees, the local area, complexity of your pets condition or qualtity of care. That is why when I started Pets Best I designed a “flat” 80:20 plan, where by we pay 80% after the deductible and the pet owner pays only 20%.
That way you always know what you pay with no hidden surprises. Most pet insurance providers now provide an 80:20 plan. But beware that some still have “hidden” UCR schedules or restrictions. It is because they want to control their payouts to more predictable level. Although we also have that right, we pay 80% always and would only use it, if the fees for insured pets was much higher than non insured pets. So far in nearly four years we have not had to utilize it.
I know this is long winded, but the answer is yes you can have better coverage. Click the MAF link and you can also recieve a discount. That is my commercial message. Or go to www.naphia.com for a member of the North American Pet Health Insurance Association for a quote.Jack

Denny asks:

In light of the most recent research, how often should the feline FVRCP combination vaccine be given to kittens?

Dr. Jack Stephens responds:

Denny,
I am not an expert on vaccine protocol since I have been out of practice for some time. I do know it will vary considerably by history, exposure opportunity, health of the pet, number of pets in household, etc. Your veterinarian can best tailor the vaccine protocol based on all these parameters. I know it will vary also by your risk tolerance for your pet. What I mean by that is that immuninity in kittens may not be instant while young and “over vaccinating” is some times done to lessen the risk for your kitten. Jack

ItsMeMar asks:

My dog has been drinking a lot lately and can’t always seem to be able to hold her urine. Sometimes her urine is a thick yellow color and other times it is clear. Well anyway she has been having accidents in the house. Took her to a vet and they told me she has extremely low specific gravity. They want to do further tests to find out what is wrong. Other than this she has been very healthy. She is 9. Do I get pet insurance and if so would it cover this or is it considered pre-existing? I can’t afford to have the tests they want to run.

Dr. Jack Stephens responds:

Dear ItsMEMar,
You definitly need to have the additional test done suggested by your veterinarian. This could be serious, especially given you pet’s age and symptoms.
But this would not be covered under insurance if purchased after the fact. This could be expensive and why Morris Animal Foundation wants every pet owner to know about pet insurance before a problem develops. Having insurance in place “before” the symptoms then the condition would have been covered, saving you a lot and getting your pet the care or diagnostics they need. Tell friends with pets, to get insurance while healthy. Jack

Christy asks:

I just recently started looking at obtaining pet insurance. There are so many different policies/programs. How do I find the right one for me and my pets? Also, how do I know if my pet has a pre-existing condition that an insurance may not cover?

Dr. Jack Stephens responds:

Christy,
A good place to ask is your veterinarian, they also know if there are any pre-existing conditions. Pre-existing conditions should be simple: a condition which the pet now has, whether diagnosed or not but has symptoms and is present. Another good place and you get a discount is to click onto the pet insurance site on this Morris site. Jack

Shirley asks:

My friend just found his dog has cataract.It is very small and seems haven’t infect dog vision.He starts thinking about pet insurance. Is that possible the insurance will cover the cost if the dog needs surgery in the future for cataract treament.

Dr. Jack Stephens responds:

Shirley,
Any condition present would be pre exisiting and ineligible. Many cataracts in the early stages can be treated with eye drops to slow the progression of the cataract. Surgery only works if the retinas or the back of the eye behind the lens (cataract) is normal. Have they eyes examined, then you will know what it is best to do. I slowed the cataracts on my dog Skeeter with opthalmic drops for years. Jack

Jorge Miranda asks:

We have a 18 month maltese, poodle shitzu mix. She has been spayed and is in very good health. We are considering pet insurance to cover unforseen illness. We have never had pet insurance on our dogs, however we incurred a large bill over 2,000 on our last dog who died of pancreatitis. Is pet insurance a good option for us?

Dr. Jack Stephens responds:

Jorge,
I am biased, because being a vet starting insurance for pets was the last thing I thought I would ever do. But I can tell you in makes the difference often in difficult choices. Basically, insurance is just monthly budgeting an affordable amount to pay a larger amount when needed. When is the question? It could be quick and often or not at all. But keep it long enough and it will pay. Jack

Mary Curtis asks:

I am inquiring about pet insurance for our employees. We have a practice in Mount Dora, Florida. Can you send us some information and prices.

Dr. Jack Stephens responds:

Mary,
You can click onto the Morris Animal Foundation on pet insurance and contact our office and we can send a packet of information. We provide a staff/group discount in most states, including Florida. Pet Insurance is a recommended perk by most veterinary business management experts, instead of discounts. jack

Rick asks:

I have an abandon dog with no known conditions. If I were to buy insurance to protect her, and later take her in and she is found to have heartworms, how would we know if she got infected before or after the policy takes affect, especially if there are no past medical records available? Would she be covered for heartworms? Also I do not see coverage for any kind of worm infestation. Under what is this problem considered covered?

Dr. Jack Stephens responds:

Rich,
Usually parasites and preventable conditions are not covered with pet insurance. Parasites are preventable with medication from your vet. Heartworms can be detected with a simple test at your vet also. jack

Maria L. Hernandez asks:

My dog is a peke-poo, he is 12 1/2 yrs. old, he has cushing’s disease (since 5-8 months ago) and the beginning of bladder infection, I am treating him with natural medicine or holistic medicine, I feel he is responding to it, slowly, but, surely. Taking him to a vet. would cost me a lot of money, (since I do not have insurance) My question is would I be able to get him insurance now w/ this disease? Is this disease curable? Please advise. Per the vet. according to the signs he has, it seems like he has cushing’s, he referred me to a specialist to confirm, but, as I found out (thru phone) it was going to cost me a lot of money) so I did my research thru the internet and all the signs are there of what the vet said, I then sought holistic medicine or natural and it seems like it’s working, but at the same time I would like to know if an insurance company would take my dog? I look forward to your response, Thanks

Dr. Jack Stephens responds:

Sorry Maria, it is too late. This is exactly why I keep telling pet owners to be prepared through affordable monthly premiums BEFORE problems develop. This is also the big reason why the Morris Animal foundation provides this forum to tell all pet owners, don’t wait, get pet insurance before a problems develops, otherwise too late and as you state, it can be very expensive. Unfortunatly, Cushings is not curable and is life threatening as it can cause or complicate a host of other diseases. Bladder infections as your pet is experienceing is common. You need an accurate diagnosis and treatment to have a chance to control it. It can be treated, but it requires constant viligence on how the treatments are working and only your veterinarian can do this with lab test and frequent physical exams. As you state it is expensive, but will only be more costly if you do not follow strickly your veterinarian’s advise on treatment and control. Best of luck to you and your old friend. Jack

Gwen asks:

Last week I adopted a dog, Sherman, from a rescue facility. They say he is 5 years old and is a Spaniel-Corgi mix but he looks more like a small Black Retriever-Corgi mix. My first question is there a way I can find out what his exact breed is? My second question is after I receive his vaccination papers, if I purchased an insurance policy for him now, would anything that may need immediate attention be covered?

Dr. Jack Stephens responds:

Dear Gwen,
Congradulations on saving a pet from the shelter. typically they make wonderful pets. There is a new test, thanks to modern science where your vet can take a blood sample, like they would for any routine test and they can send it off to a lab that can give you the primary and secondary heritages of your pet.
When you visit your vet for the routine check up and vaccines ask about the test. Not sure of cost, but think it is reasonable and will tell you the breeds of Sherman. This information is also helpful in determination of risk categories for diseases in the future.
Second question: Like any insurance, you need to purchase in advance of a problem. If you want wellness coverage which will cover the routine vaccines, some test and even neutering there is a 14 day waiting period. Accident covertage starts in 3 days and illness varies from 14 to 30 days depending on individual company. You can go to Morris web site and click through for a discount as additional benefit. jack

brea Davis asks:

Have you heard of ES Clear for Cat Cancer?
i took my cat to vet yesterday and she is covered in tumors(MCT’s). I came across this product doing some research. ES Clear for Cat Cancer, Have you heard of this product?

Dr. Jack Stephens responds:

Dear brea Davis,
I had not and looking it up on the web, I find it is a supplement and even they say it will not cure cancer, but improve your cat’s immune system. Like all supplements they may help, but I would rely on your veterinarian’s advise.
You can also go to the PetsBest web site, www.petsbest.com, click onto the pet cancer site or go direct to www.petcancerfoundation.org and your veterinarian can recieve a “NO COST” consultation for your cat’s cancer on line from an oncologist or cancer specialist. Pets Best provides this service with Oncura Partners, an online oncology service for any pet in the U.S. whether insured or not. The oncology review needs your vet to request the free consultation. Then you will know the prognosis and absoutly best current treatment. Jack

Sandra Marshall asks:

Is there any cat insurance that I can find that will accept a pre-existing asthma condition?

Dr. Jack Stephens responds:

Sandra,
You can enroll your kitty, but the pre-existing asthma will be ineligible for coverage. Since asthma is not curable, it will remain pre-exisiting. However, there are many thousands of other medical conditions which are covered. Jack

STEPHANIE asks:

My 2 year old German Sheperd Mix got out and was hit aby a vehicle in the streets. He was taken to the vet and the xrays shows that his right leg was broken. He would have to see a specialist to fix it and it would cost 2000-5000.00 to fix. We are now trying to find insurance for him to have it fix. The accident happend between July 5-8, 2008. He was able to limp back home and was taken t the vet for check up. Is it worth it to get the insurance?

Dr. Jack Stephens responds:

Stephanie,
It worth getting pet insurance, but it has to be in place prior to the accident. No insurance will pay for conditions which occured prior. Ask your vet about credit facilities that make loans at favorable rates, they can provide you with their contact numbers. Jack

Cheryl Kolevzon asks:

My 6 year old Tibetan Terrier was diagnosed with IMHA approximately 3 – 4 weeks ago. The cause has yet to be determined and he has not yet been stabilized, even though he is on multiple medications and has had 3 blood transfusions. I had never heard of this disease until this nightmare began and wish that more information would be made available to pet owners about this diagnosis. I understand that pet insurance would not be available to him at this point due to his now pre-existing condition. His evaluation and treatment is costing me a small fortune, with no end in sight due to the likelihood that he would need to remain on some sort of medication regime even if he can be stabilized. Is this diagnosis ever considered “cured” so that he might eventually become insurance-eligible? Is there any financial help for owners with pets with this horrific diagnosis? He is so young and I can’t imagine looking him in the eye and saying good-bye because his treatment is too costly. I am desperate for help.

Thank you.
Cheryl

Dr. Jack Stephens responds:

Dear Cheryl,
You are right, this is a terrible and very quick disease. Many times it is to late when finally diagnosed. Once stable the cost should be much less. Only when there is a crisis from the anemia is it dangerous and costly. Monitor his blood as directed by your veterinarian religiously. With some companies he will still be insurable for other non related medical problems when he is stable. When you enroll, provide a copy of his medical records for the past year (once stable) and ask to be underwritten for everything but the Immune mediated hemolytic anemia. Being upfront I think you can get coverage. Jack

Stefanie asks:

My adopted 5-year-old Border Collie/Lab mix was recently treated (at the doggy ER) for a kidney infection. It was quite a costly bill and and a very stressful situation for all involved, but we are happy to have him back home with us. We are thinking insurance is the way to go for all of our animals (we also have 2 young cats). Is it too late to insure Baxter? I’ve read on other websites that if he has a clean bill of health after six months, we could insure him – is this true? Also (assuming we could insure him) if he develops another kidney infection months or years down the road, would it be covered?

Dr. Jack Stephens responds:

Stefanie,
Painfully you now see how valuable insuring your pets health can be for your pocketbook. It is not too late to insure Baxter. Different companies treat pre exisiting differently. Our company, once the kidney infection is considered “cured” by your vet and does not need treatment, it is then eligible should it get another kidney infection. Others will exclude for a period of time as you stated, which varies. But, insure him and you kitties now and recieve multiple pet discount and if you go through Morris web site you get another discount. That way you have budgeted for the unexpected. Jack

lorraine asks:

if i have to pay for ex 50 dollers a month for health in surance and they dont cover 80 of everything is it worth it if i still pay most of it plus the 60 a months. i mean i have to have something bc i have an english bulldog. I have to get him check more then other dogs to make sure hes healthy. do you have any reccomended insurances for this breed based in NY uf you can please let me know
thank you sooo much
Lorraine

Dr. Jack Stephens responds:

Lorraine,
If you have a Bulldog, which I love then you have the “ferrari” of the dog world. In other words you must have pet insurance, because they cost more and have more problems than the average dog, by far. Most insurance pays or reimburses you 80% after the deductible. Be sure you have an 80:20 plan and not one with a benefit schedule or restrictions on reimbursement of eligible expenses. Otherwise, yes you could find yourself paying more out of your pocket than you expect. Jack

wayne asks:

Do you know of any pet insurance that covers ferrets. I have a 6 week old kit that I would like to get insurance for if the coverage is worth it, some peopel say that most pet insurance companies will not cover exotic animals and the coverage that they do have (if any) is not worth the expense.
Can you give me any advice
Thanks

Dr. Jack Stephens responds:

wayne,’
I believe veterinary pet insurance still covers ferrets. They don’t cover adrenal tumors, which are common, but most everything else. jack

Mrs Sial asks:

My Mini poodle who is 7 months old just lost his one tooth. Is it normal ? In India Vets dont know much about the mini and toy poodle breeds.

Will his teeth fall more ? What is the process.

Please let me know

Dr. Jack Stephens responds:

Mrs Sial,
In dogs, as in children they loose their “puppy teeth” and permanant teeth grow in. Usually by 6-9 months at most the puppy teeth should be gone. The last teeth to go are the canine teeth, the large longer teeth in front. If they remain too long they can damage the permanant teeth. Jack

Jo asks:

What is the difference between your pets best insurance and Go Pet Plan? I just got a 6 months english bulldog, and I’ve been looking for the best insurance to get for him.

Dr. Jack Stephens responds:

Jo,
I am not familiar with Go Pet Plan. There is a company called Pet Plan, that has a licensing agreement with Pet Plan UK. Pets Best pays straightforward 80% after the deductible for claims reimbursement, broad coverage, choice in deductibles and per incident limits to fit most all budgets. I started the pet industry in 1980 in the U.S. and founded Pets Best to do it even better. Go to web site to compare in depth at www.petsbest.com. Jack

Rita T asks:

Will any pet insurance companies cover a dog already suffering from allergies?

Dr. Jack Stephens responds:

Sorry Rita,
Insurance is purchased for future unknown medical events and it would be impossible to set a reasonable rate if allowed. Otherwise everyone would wait until there was a problem to purchase coverage.
But there are still many thousands of other medical problems that can and do occur.
Jack

Lisa asks:

Hello Dr. Stephens,
We recently purchased a three month old Vishla puppy. We are considering purchasing pet insurance for the “just incase” factor. We are looking for a company that has a history of good business practice and is well known by veterinarians. Whom do suggest? Thank you for your time.

Dr. Jack Stephens responds:

Lisa,
Obviously I am biased as I am president of Pets Best Insurance (petsbest.com). Other good providers can be found at naphia.org which are members of the North American Pet Health Insuance Association, which I founded. All members prescribe to high standards, independent surveys after a claim on service and being transparent. You are making a good decision to insure you puppy at yound age. Be sure whatever company you choose will continue to insure your pet as it grows older. Some will not accept older pets or drop them due to age. That is when you need it even more. Under one year of age and starting over 5 years of age. Of course something can happen at any age and does. But those ages have more problems. Jack

Suzanne S asks:

I have a 14 year pomeranian/chihuahua mix and has a tooth sticking out on the side of her mouth. I only need insurance for her that would cover dental, and routine visits and shot as well as medication. My other small dog chihuahua/Italian greyhound mix just needs routine visits and shots and medicine when applicable. What kind of insurance would be best suitable for me? I am also on a fixed income and would need one with no deductable.

Dr. Jack Stephens responds:

Suzanne,
there is no insurance without a deductilble. Deductible and co-pays keep the cost down. In order to obtain the wellness plans/endorsements you must get the basic insurance, as the wellness which includes teeth cleaning is an add on. But the good news is that you can get a plan for a resonable amount given the age of 14. go to pet insurance on your search engine or to naphia.org to get a company in the North American Pet Health Insurance Association. jack

Elena asks:

Doctor, my 7 month old mini poodle has severe ears infections. 4 vets prescribed different medicine and drops – nothing helps and it’s getting worse. I am paying hundreds of dollars and thinking at least about insurance for her. Would you recommend anything for meand for Jamie?
Thank you!

Dr. Jack Stephens responds:

Elena,
Sorry, but insurance is too late for Jamie. You have to purchase insurance prior to a problem developing. Although the ear infection would not be covered there are thousands of other conditions which would be. Jack

marc asks:

yes doc i just got a 9 week old english mastiff and he is in good heath i was woundering he was born with angular limb deformity will that become a problem if so what is the right insurence please help me

Dr. Jack Stephens responds:

Marc,
An angular deformity would be a congenital condition and would not be covered with pet insurance. There are many thousands of other conditions which would be though. The limb deformity should be x-rayed or checked by your vet and they can give you an idea wheter to expect further problems. Most congenital leg deformities do not require future attention. Jack

Mariel asks:

Hi. My dog is a maltese yorkie mix and is only 2 months old. When I walk him, he chases my sneakers and jumps on me and bites me. I tell him to stop but he doesn’t. I also say no in a stern voice. Still nothing. Another problem is at home. When I let him out of his cage at home, he chases everyone and goes crazy. If I try to carry him, he bites me. How can I stop him? Please help! He doesn’t follow me when I walk either.

Dr. Jack Stephens responds:

Mariel,
These are all typical problems for puppies. Go to animalbehaviornetwork.com and you can sign up for a free 30 day course on puppy manners and how to stop these behaviors. Remember, he is just a puppy and playing and normal canine behavior, but the behavior course or good books on puppy manners and you can fix these problems very easy and have a wonderful companion. Jack

megan asks:

Dr. Stephens,
I have a one-year old Cocker Spaniel for whom we are now on a third attempt at correcting cherry eye (two surgeries with our regular vet and a third scheduled with an opthamologist). If I purchase pet insurance for her, would it cover cherry eye if it develops later in the other eye, or not, since she already has a history with the right eye?

Dr. Jack Stephens responds:

Meagan,
Some insurance providers will not cover this condition as congenital defect. Others will, but may exclude it as pre-existing. The best way to handle this is to ask, provide a copy of your pet’s medical records demonstrating the surgery and time frame with no problems and ask for written statement if it would be covered if it occured again. Then you are set. Usually this much documentation is not necessary or warranted, but because of the history and how different providers view this condition, better to be safe. Jack

Kim asks:

I’ve had pet insurance on my beloved Buster for 2 years now.. He recently was diagnosed with a chondrosarcoma and had to have his leg amputated. This is the first claim ever submitted to the ASPCA pet insurance and they are denying my claim. They are trying to say it is preexisting…I will appeal, but where do i go from here. I still owe the hospital for treatment and was counting on being reimbersed. I know realize some ins co’s are better then others. If the claim is never paid, I would like a refund. He needs another chest x-ray, and acupunture along with the holistic supplements needed to maintain his qualitity of life.. I understand the holistic part is not covered, however Now that he truly has a chronic health issue no one else will insure him. I feel taken advantage of. Please advise.
Kim&Buster

Dr. Jack Stephens responds:

Kim,
If you have had the policy for two years and only recently was diagnosed with chonrosarcoma, I fail to see how it would be pre-existing. I suggest you ask for a “review” of the claim and copy the President on your request. Unless the condition was present over two years ago, which seems unlikely it should be eligible. If you still have a problem then respond back and I will give you the next steps. I know the President of the plan and will copy him on your email. They are ethical and a mistake appears to be made. Jack

Scott k Smith asks:

my 10 year old nufi lab mix, may have a neurological disorder, they are running test today. they say exrays and blood work show him to uncommonly healthy for a 10 year old large dog. would insurance benefit me to have for him for mri’s, spinal taps, etc…

Dr. Jack Stephens responds:

Scott,
Insurance is perfect for sophisticated test, especially ultrasound, MRI’s and sophisticated care. But insurance will not cover current problems, so be sure your lab’s medical records are in good order, given that a problem related to this within the year could be questioned as pre-existing. Be prepared with a good policy for your pet before medical conditions arise will save you much. Jack

Ken N. asks:

My rat terrier is 13 years old. He has problems with his teeth, dental disease. This going to cost me 1400.00(!) to clean, and pull the rotten teeth. Please advise what insurance should I buy for him and where to buy. Also he is old now, I’d like to buy a long term insurance for him, his problem is tartar build up real quick.He’s very healthy. Thanks.

Dr. Jack Stephens responds:

Ken,
Of course the current problem with the teeth is not going to be covered, but future dental problems will be. Two things for you to consider, First not all companies will accept a 13 year old pet and some don’t insure them after a certain age. Be sure that you find a company that insures older pets, but also will renew them. Pets Best has felines 20 years old that enrolled at 18 and dogs 17 that enrolled at 14 years of age. A couple more insure older pets, check on the web. Second, teeth cleaning requires a wellness rider or addtion to the policy. If you get a regular teeth cleaning, you can have your terrier keep more teeth longer. Jack

Gloria Martins asks:

Hi – I am interested in obtaining an insurance for my dogs. I have a 10 yr old mother and a 4 yr old son, although both will be covered – my question is when the time comes for my female to pass on – what do i do? I don’t want to call the ASPCA because I have heard horrendous stories of what they do with your pet after death. I want to prepare for hers although I wish she would never pass on but I have to face the reality! So what can I do?

Dr. Jack Stephens responds:

Gloria,
What my wife and I do is have cremation (individual) and we keep the ashes in urns. We have buried pets, but we prefer the urns and we take them with us. My special Spanky is on my night stand and I have fond memories of him whenever I see the urn. If you do select cremation, ask for individual cremation to be sure it is only your pet. By the way with a Pets Best policy we provide for euthansia when the time comes and a limited amount dependent on policy chosen for burial or cremation. We understand how important our pets are. My Skeeter is now 16 1/2 years old, so you may have many more years with mother dog. jack

Lucy asks:

I am retire and I just got a dog need to insure so I can take him to the vet if sick.

Dr. Jack Stephens responds:

Lucy,
Insuring your pet is what we do and certainly applaud. Because with insurance you have peace of mind that you can afford unexpected veterinary care for your pet. Be sure you find a plan that reimburses you a fixed percentage of your expense, not a fixed schedule which may not reflect your veterinarians fees or the care YOUR pet needs. Of course we would love to quote your pet at www.petsbest.com or go to naphia.org and get a quote from a North American Pet Health Insurance Association member, where we know the members prescribe ot high standards. A affordable monthly premium can really protect your pet and your pocketbook. Jack

Everett C. Hartwell asks:

My two and a half year old lab tore his ACL running in the deep snow, He has had tplo surgery and is coming along good. My question is if I get him insurance from you right now will he be insured if the other one tears, how long of a waiting period before he would be insured?

Dr. Jack Stephens responds:

Dear Everett,
Ouch! that was expensive. The incidence of the other leg being affected is fairly high. Not sure if due to inherent weakness or added weight and pressue from other injury, but seems to happen a lot. Most companies have a waiting period of 6-12 months for ACL (anterior cruciate ligament) rupture. This is because of expense and that it can be easily pre exisiting. Ask when enrolling what the waiting period is and if they declare none, get it in writing for your records. Jack

deanna asks:

i am looking for insurace for my cat who is 8 and can seem to find any one to cover her?

Dr. Jack Stephens responds:

Deanna,
While it is true some will not accept older pets, I know we do accept pets of any age. In fact we have a 21 year old cat that enrolled at age of 18! Go to Petsbest.com and get a quote. Also, you might check into aspcapetinsurance.com, they may insure older pets. Expect to pay a higher rate, but understand many more problems of chronic nature can develop in older pets, thus the higher rate. Don’t delay, get some coverage to protect you pocketbook. Jack

Erin asks:

I am looking for the best pet insurance for my dachshunds. I know that they are prone to back problems, but I am new to the whole pet insurance things and am having a hard time finding out which company will give me the best coverage incase they do develop problems.

Dr. Jack Stephens responds:

Erin,
With Dachshund be sure the insurance does not consider the back problem (slipped intervertebral disc) an exclusion due to breed. I know a couple that consider it an exclusion, while most do not. I know we (Pets Best) do cover the condition up to the policy limits. The condition can many times be treated by medication, but often it requires surgery which can be very expensive. Jack

marshall pearlstein asks:

I am retired, but still a licensed insurance agent. I have started a pet club in our community of 5000+ and growing homes.I would like to represent a reliable pet insurance company for my members. Are there any who hire independent agents?
Marshall

Dr. Jack Stephens responds:

Marsall,
yes, several companies do appoint agents. I know that we do and belive there are two others at least. One, Tru Panion appoints a person for a territory to service and sell. You can get the complete list by going on the search engines and typing in pet insurance to get contact information. Jack

raelene Mercer asks:

as soon as i got my french bulldog puppy i purchased insurance which was advertised in the local vet office: american pet insurance. i had it for a few years. then in 2001 we got a letter that they were unable to offer renewal because their ENTIRE pet program was going to be cancelled due to high volume of claims. They suggested we contact VPI pet insuracne to continue insuring our claim. BUT THE NEW INSURANCE WONT COVER ANY PREEXISTING CONDITION!! she has tons of allergies and vet visits, medications, allergy shots have cost us thousands since then, which have never been covered. is this LEGAL? can this be fought in court? it seems so unfair. we did the right thing, but got cheated anyway.
thanks, Raelene Mercer

Dr. Jack Stephens responds:

Dear Raelene,
I am afraid you are out of luck on the pre-existing conditions for future insurance coverage. Insurance is for future unkown medical events, unless the condition becomes “cured” and reoccurs. This is not the case for allergies which can be treated, but not cured. Such common medical conditions as bladder infections and ear infections can be cured and commonly reoccur. Your experience is most unfortunate, but there is nothing that can be done. There were many plans that I have seen in the last 30 years for pets that came and went due to lack of capital or experience. I have even witnessed large, well capitalized, well known companies enter the market for pet insurance and then after a few years due to bad experience exit the market. A licensed insurance plan must honor claims during your policy period, however if they go out of business the policyholder must look elswhere. But don’t focus on only the one or two conditions which are not covered with a new plan, focus on protection for the many thousands of other medical conditions which can happen. This is especially true of bulldogs. Bulldogs are like insuring a ferrari in the auto insurance. They are prone to many medical conditions that can be much more expensive than the allergy treatments. Pick a pet insurer that is A rated, licensed in your state and has experience, especially in understanding pets, not one that is simply expanding their other lines of insurance would be my advise. Jack

Rele asks:

I am trying to find inexpenive pet insurance that covers routine and preventive care. I will soon be welcoming a 6 week puppy into our home. I have viewed many sites and have found that some offer accident or certain coverage only for a high monthly premium. Can you suggest an insurance company??

Dr. Jack Stephens responds:

Rele,
Go to naphia.org and you will view founding members of the North American Pet Health Insurance Association, which adhere voluntarily to very high standards and ethical practices. You can visit their sites. I know at Pets Best we offer Accident only, which has $2,500 per incident limit for $10 per month and that other companies have lower limit plans also. You can get full coverage for accidents and illness for puppies as low as around $20 per month, which is very reasonable. Look at the value you recieve in coverage, benefits and per incident limits instead of lowest price. Because when you need it you want the coverage to make the difference for your pocketbook with little out of your pocket. Look for 80:20 plans, where you pay deductible and the 20%. Those are typically your best buys. Jack

Sara asks:

I am searching for a good insurance plan for my pet ball python. She sustained an injury before I got her. I have already taken her to vet to receive treatment and now she is completely healthy. What should I look for in an insurance plan for a snake?

Dr. Jack Stephens responds:

Sara,
Responded directly as I was traveling, but in case you missed the message last week, there is no pet insurance for pythons. Your best solution is to provide good husbandry for all reptiles, as they are very prone to problems related to housing, heat and nutrition. These are by far the most causes of medical problems. There are many good books on reptiles and even specifically for pythons. Jack

Tammie asks:

Do you know of any pet insurance companies that will take a pet with an pre existing condition, or do you know of any organizations that will help with a surgery.

Dr. Jack Stephens responds:

Tammie,
Please see my response below to Rochelle, which is similiar questions. Pet Insurance generally will accept enrollment of pets with medical problems or pre-exisiting conditions. However, the condition present prior to policy enrollment that was manifested, incurred or present will not be covered. The whole purpose of insurance is to buy the coverage before the risk or problem develops. In my comments below I provide some input into where to look for financial help. Many veterinarians have options available for clients of third parties that will finance the care over a period of time, often at favorable rates if paid off quickly, but like any credit facility there is a cost for borrowing the money. Unlike paying a monthly budgetable premium for insurance that is there when you need it for “future” unknown medical problems. Jack

Rochelle Block asks:

I need to find pet insurance that will cover pre existing injuries or illness? We have a 1 1/2 year old lab mix that we have had since she was six weeks old that has ACL/CCl that we probably will have to put to sleep because there is no help out there anywhere!!!

Dr. Jack Stephens responds:

Rocehelle,
Insurance does not cover events that already happened. You have to buy insurance before the problem, this is the whole principal of insurance. Otherwise, everyone would wait until there was a need and then purchase a policy, which will not work economically. This would be like buying auto insurance after a wreck, or insuring your house after a fire.
Unfortunatly if you need assistance, then seek out local humane groups that provide assistance, the American Animal hospital association has a fund, go to aaha.org or check on the internet for groups such as help 4your pet that provide modest help.
This is why I started pet health insurance over 25 years ago, so pet owners could pay affordable monthly premiums, in exchange for taking the risk of medical problems which happen when you least expect or can afford it. Jack

sarah asks:

I want to find pet insurance that covers dental

Dr. Jack Stephens responds:

Dentals or teeth cleaning is considered a wellness or routine care procedure. You can either purchase as an add on to basic insurance (endorsement) or some plans have wellness built into coverages higher priced coverage, that our combination. We prefer to have the wellness as an add on endorsment and you can add or cancel the coverage if you want. Not all plans offer wellness (teeth cleaning) and not all allow the same amounts for the benefit. You should shop and compare benefits and price. There are several options available to fit most any need. Pets Best provides $100 toward teeth cleaning as noted in previous question from Kim.
Jack

Kim asks:

I spoke to one of your agents today, I am looking for ins. for my 4 year old yorkie. I was looking at the “Pets first plan” with best wellness plan added on. I liked everything except that he told me “No anesthesia for routine cleanings or and anything related to the mouth such as extractions, gigivitis, periodontal would be covered. As a dental assistant periodonatal conditions can be treated and cured especially gigivitis?
Please explain especially the anesthesia not being covered with the plan they always have to put anaimal asleep!

Dr. Jack Stephens responds:

Dear Kim,
For wellness benefits, we provide a flat $100 towards the prohy cleaning. This is all inclusive. If there are extractions, gingivitis, or other medical conditions being treated with the teeth, gums or tonue, then this is covered under the medical/illness of Pets First, Basic and Premier coverage. Anesthesia is allowed under the medical/illness portion of all the plans.

All illness expenses (not pre-existing) are reimbursed at 80% after the deductible.

The teeth cleaning is up to $100 (or the lessor if your veterinarian is less) with no deductible or co-payment. Wellness benefits are $440 totally annually for dogs, which covers annual visit, vaccines, parasite test, heartworm test, spay/neuter, teeth cleaning and annual blood panel. Jack

Blakely Gray asks:

Hi Jack,
Does pet insurance cover medication for ongoing issues? My dog has hip problems and is on Rhymadil long term.

Dr. Jack Stephens responds:

If the condition existed prior to the policy effective date, it will not be covered by pet insurance. If the condition happened after the policy effective date, then generally it will be covered until it reaches the maximum limits the various companies set. Might be per incident, annual and or lifetime limits, or as in one case a benefit schedule limit set for each condition that may be substantially less than the per incident limit. Like a limit on a limit; you should avoid those type limits.

DawnR asks:

I've been reading through and trying to understand pet insurance better, but it seems like the companies are so different! Is that true? I know that I should read the fine print for all of them before I decide, but I also know that isn't likely to happen. Is there a way to check on the credibility of companies without having to read pages and pages of small print? Also, someone mentioned to me to be sure that whichever company I chose would be around in five years. How do I begin to know that? Thank you, Dawn

Dr. Jack Stephens responds:

Yours is a very common problem. In fact, with all my nearly 30 years of experience I have difficulty telling the difference when I review all the other companies, due to sales messages. And if I have a problem, you can imagine how confusing it is for pet owners shopping for the best plan.
I recommend you ask you veterinarian, they usually know which companies pay the best, pay fast and are the easiest to deal with. Another great source is a friend who has or had pet insurance for their own pet they will know. Other trusted sources and one of many reasons we partnered with the Morris Animal Foundation is we hope their recommendation will be important.
And another method is to call a few of them and ask questions about their coverage such as:
1. How do you pay claims? As a percent of my vet's actual bill or from a benefit schedule. More often than not a benefit schedule will not reflect your veterinarian's actual charges and you will be dissapointed.
2. Can I use my own veterinarian? If not, you may want to keep shopping.
3. Is the underwriter or carrier taking the riks rated by A.M. Best? If so, what is the rating. Is the carrier admitted in my state or non admitted? Admitted provides more protection for you.
4. Ask specific questions that relate to your pet, prior experiences, would they be covered? Determine from that call if you are pressured, or rushed? Or do they take the time to answer all your questions? Do they seem knowledable about pet medical problems and confident and proud of their own product? Ask, confidentially is your pet insured with the company.
5. Do you accept pets of any age? And do you drop pets due to age? very important that you have the ability to keep your coverage as your pet ages, when they need it most and your cost are much higher. These are just a few questions, we have more on our web site, www.petsbest.com on ten questions to ask. Jack

1sedabug asks:

I am an insurance agent so I should know better but this is my questions? 1. I signed my two young heatly Mini Schnauzers up for a plan and paid the premium for 5 years. They got older and while the ads indicated that if they were insured while young they would not be cancelled when they got old. I guess I am an optimist. Big surprise they hit 8 and phoof there went the policy I was told it was being refiled with the state. But then surprise they renewed my 2 year old. When I pointed out that the policy was no longer for sale in Florida I was told it was an oversight but surprise they just kept billing me. 2. The first claim was denied becasue of the genetic exclusion which is evident at birth. Seda was 4 when she had pancreatitus so it wasn't evident at birth. After threats of going to the state they paid. 3 Finally, the policy considered any condition the pet had on the day Prior to renewal to be prexisting so if you pet was hit by a car the day prior to renewal the policy would not respond. Even as an insurance agent I did not see that one coming. Did I just go with a really bad company or are these common with all pet insurance plans. Debbie Turner, CPCU

Dr. Jack Stephens responds:

Wow, I am terribly disappointed at your experience. It does not serve our industry well, not to be completly transparent. I want to address your questions in general, so that others can learn and avoid not getting what they want for their pets and privatly I would be pleased to discuss some other options for you.
1. If you have a policy or any marketing literature that states if you sign up a pet while young then you will not be cancelled due to age, then they MUST adhere to that promise. A marketing statement with insurance is the same as a policy statement. They must refund any premium that was overbilled or billed inadvertenly. You should give them the chance to correct the problem or contact the Florida Department of Insurance. It is free and trust me they will resolve it or they will not have a license to do business in the state. But, again, give them a chance to refund fully any excess billing.
2. Pancreatitiis is not a hereditary defect. Look at our web site or I can provide you with a list of hereditary conditions.
3. I don't agree with a condition covered then being pre-exisiting or ineligible after a renewal period. Unless the maximum payment was paid for the condiiton. We allow conditions to carry over indefinitly until the maximum per incident is reached.
Again, I apologize for your experience and can tell you that this is not common. In fact we have recently formed an Association of pet insurers where rigid standards must be met to be a member and we all participate in a independent rating of policyholders after a claim. We want to build trust in our industry and uniformity.

Cobar asks:

Cobar, my 6 month old male ACD was just diagnosed as Hemophilia A: Factor VIII Deficent only after we had him neutered, can I still get insurance for him?

Dr. Jack Stephens responds:

Probably with some companies, but not all. Submit a copy of Cobar's medical records with the diagnosis and current treatment. Hopefully the medical records will also demontrate stability with treatment. That way you will have disclosed fully to the company you choose and not have to worry in future that the hemophilia will affect any other claim eligiblity. Of course the hemophilia will be pre existing to the policy and not covered. Jack

mkrauss asks:

Jasmine is going to be 13 years old next month and i am interested in getting her some pet insurance since she is very active and running all over the place. any suggestions? Is the insurance expensive for pets? thanks, Michael Krauss/Michigan

Dr. Jack Stephens responds:

Not all pet insurers will accept a pet that is 13 years old, some like PB will accept pets of any age. You should check FIRST, if the company will accept older pets and then Second and most important, will they continue to renew older pets. Some companies decrease coverage, increase co-payments or simply do not renew older pets.

Although younger pets have more accidents and certainly their amount of medical events, it is the "older" pet that really needs coverage since they have many more medical problems. Older pets get arthritis, heart and kidney disease, organs start to break down and of course the incidence of cancer is much higher in older pets. We have a 20year old cat enrolled and a 18 year old dog, which although healthy the pet owners knew they were luckier than most. At Pets Best we have a "Guranteed" issue of Accident only for any pet, even one with Cancer and issue the standard medical/accident coverage, (same as young pets) if the pet does not have any major current illness. Of course the price is higher due to the higher risk associated, but still reasonable. I pay about $50 per month for my 16 year old min pin SKEETER for the $7.000 per incident limit. Unfortunantly for PB, I make out more than than the premium I pay for most years. But that is the way of insurance, spread the risk, so all policyholders can always say yes to needed veterinary care!

DaynaV asks:

Dr. Jack, thanks for answering my pet insurance question from yesterday. If I wanted to switch to another pet insurance carrier that does not have the same practices as my current one, would that be a concern for a new pet insurance carrier that I switched from one to another. What are the common concerns or what should I do upfront in order to avoid any issues in switching? Thanks, DaynaV

Dr. Jack Stephens responds:

When switching carriers, be sure to ask about any concerns on switching carriers regarding coverage, benefits and cost. There is usually only one main concern, other than price and coverage when switching, that is any Pre-Existing or current condition. If there are no medical conditions ongoing, then it is not a problem.

Make a list of concerns or questions, call or email the company with your questions, that way there are no surprises. Obviously most all want your business, but fewer if your pet is older (we have no age restrictions) and less if your pet has serious medical condition ongoing. If this is the case you may be best to stay where you are if there is still coverage remaining.

Currently there is no data base for other pet insurers to know if you are insured elsewhere. My staff is told if a pet owner is considering or switching to Pets Best, to ask what specific concerns or questions the caller may have. This way we are both satisfied with our relationship going forward. Jack

DaynaV asks:

Dr Jack, I just found out that the pet insurance I had signed up with a couple of years ago for my two 10-year cats will not honor claims for conditions that start in one calendar year and goes into a new calendar year (my insured year is Jan-Dec). They state the reason for this is that the condition is pre-existing at time of annual renewal which is automatic (they automatically charge my AMEX). Is this common practice across all pet insurance companies to get out of covering a condition that they originally were insuring but dropped with the new insured year? It sounds unethical to me. I want to be sure that I get the right pet insurance for my cats that will continue to cover from year to year. My cats had no pre-existing conditions when I signed up for the pet insurance, and "knock on wood" still has no conditions that I've reported on. Thanks, DaynaV

Dr. Jack Stephens responds:

NO, this is not typical, but I have heard of it. Although I try never to "knock" other pet insurers or how they manage their business, I don't agree with this practice.

Certainly we do not have this restriction at Pets Best insurance. For most pet insurers the only restriction on any condition that develops during the policy period would be the maximum per incident, per year (if they have annual limits) and lifetime limits.

The way our policy works, a Pre-exisiting condition prior to purchasing the policy is ineligible unless it is cured. Then if the condition reoccurs, it is automatically eligible. So, bladder infections, ear infections which are very common, once cured and not needing treatment if present prior to the policy would be eligible for future covered. However, diabetes, heart murmur, or hypothyroidism which are not curable would be inelgibible.

A condition which occured after the policy effective date and claims were paid, would remain eligible year after year until the maximum per incident limit was reached for that condition. That is why the plan and limits you choose is important.

We enroll pet of any age, from 7 weeks of age to ??? We have had 19 year old cats and 15 year old dogs newly enrolled. Jack

Husky Lover asks:

My husband and I are disagreeing on pet insurance. I think it's valuable. He thinks we should pay on a case by case basis. Is this common for couples? And do you have any experience in resolving it. I'm afraid of something happening and our not being prepared.

Dr. Jack Stephens responds:

This is common problem I hear often, where one partner wants to be prepared and have peace of mind and the other wants to take their chances. At the risk of getting between the two of you, I would advise that you simply discuss it more. Perhaps over a candle light dinner, with "what would you as a family do, if your husky developed a medical problem that was uncomfortable or out of reach for your budget?"

Pet Insurance is simply a monthly budgeting process, so pet medical expenses are aways affordable. One never knows when it will happen, but IT WILL HAPPEN! Especially in puppies/kittens and pets over 5 years of age.

I think, it is best if you can both agree to preparing financially in some manner for the eventual which can be a single event or heaven forbid several medical events. Either purchase a pet insurance policy or fund an account for your pet monthly with the same amount that your insurance would cost. Of course hope nothing happens for a few years in order to build up the account.

The main thing, is work together. Maybe sacrifice one night out a month to pay for the insurance and have the peace of mind of having access to thousands of "pet dollars" for a future unknown medical event. I call it my "Skeeter Night", where my wife and I prepare the meal (in our case 9 nights) at home and understand the savings are going for our nine petsinsurance!

I cannot begin to tell you how much having 80% insurance reimbursement meant to us and our budget.

bonnienclyde asks:

Thanks for your answer. I'm still wondering, though, just how often people have $7000 vet bills. It seems to me that it might be better for us to take our chances. (We have a very healthy, mixed breed.)

Dr. Jack Stephens responds:

It is an odds proposition and how lucky your pet is or is not. First, let me say it is more often than you think. Ask your vet or better yet the staff at the front desk. Any major illness, cancer can lead to that much.

Obviously, we see many more claims in the $200-500 range by far. The higher the medical cost the less claims we process. In fact we process more claims under $100. So a $200 claim with a $75 deductible and 20% co-payment would return $100 to you. A $1,000 claim (fairly typical of a minor emergency visit) would return $740 to you!

Most insurance like your house, your life or your auto you do not want to file a claim because it means you had a tragic event. Pet Insurance is the same, as with our health insurance, you would rather not need to file a claim, but makes a difference if you have a decision or seeking care and what level of care you accept, when you have it.

Another option is to gain lower cost pet insurance and lower per incident limit, such as Pets Basic with $2,500 per incident, $42,500 lifetime, no annual limit and averages less than $20 per month for cats and around $20 per month for dogs.

Or, take the risk yourself with a credit limit or savings account of a couple thousand dollars. Jack

Sandy asks:

My dog Pixy which is a Shih-Tzu just had a cherry eye removal at the same time of her spay. If I would have had your Pets First insurance policy would this surgery have been covered ?

Dr. Jack Stephens responds:

Yes, we cover Cherry Eye, but others may not. Cherry Eye or everted third eye lid is more prevlent in some breeds, therefor they interpret this condition as hereditary or congential. However, we do not, since it is not a proven hereditary condition. Also, with a wellness plan we would pay a flat $100, with no deductible towards the spay or neuter. Jack

Zoey asks:

My dog was hit by a car when she was 6 months old and had surgery on her back. Would treatment be covered on her back if something were to occur in the future from her past surgery?

Dr. Jack Stephens responds:

Future unknown events would be covered, but a medical problem already prevlent would not, just as a dent in your fender prior to insurance would not be covered once you purchase insurance. You purchase insurance at affordable rates for future medical events, otherwise the rates would be equal to or greater than the medical cost. BE FINANCIALLY PREPARED FOR YOUR PET, SOMETHING WILL HAPPEN, ASK ANY VET. It is "when" not "if", so save, have a good credit line or budget with affordable monthly insurance premiums. Jack

Littledog asks:

I live in Texas and have 5 dogs, I also have your policies on all my five dogs. I've heard that heart worm is prevelant here and I just read on your policy that you don't cover any preventative medication on your wellness endorsment. Is this something that you might add to the coverage (ie) Heart Gard in the future?

Dr. Jack Stephens responds:

We are looking at providing coupons and discounts for preventative medication to help our policyholders. In your area you want to be sure you maintain a preventative schedule, as heartworms can be very deadly to your pet.

Tillysmom asks:

My adopted dog had an ACL surgery on her Right knee 2 years ago, if anything were to happed to that leg in the future would the new treatment be covered on your plan? I also have a cat who was playing this week and climbed up our Christmas tree, after getting her out of the tree we noticed she had tore one of her toe nails out, would this be covered under your plan?

Dr. Jack Stephens responds:

Some companies limit anterior cruciate coverage for 6-12 months before coverage. Others consider the other sound leg pre-existing for some time. As your veterinarian may have told you, it is quite common for the other leg to develop a tear in the cruciate ligament. We are not sure if due to extra strain or inherent weakness. Ask, the company how they would handle a future cruciate tear, if the other leg was affected two years prior. Be sure to disclose the prior problem is asked.

Your kitty would be covered for a torn nail under accident only coverage or the accident medical coverage. Typically this would be covered by all plan. This is much more common with dogs, especially active breeds.

Sjones asks:

I just adopted a new dog and have had her for two months. I don't know her history or her exact age. How hard would it be to insure my new dog and would there be any extra costs not knowing her history or her exact age? I am on a limited income but understand the importance of the health of my pet.

Dr. Jack Stephens responds:

It is easy to insure her. If you do not have records that provide at least the approx. age, then ask your veterinarian how old they think your pet is. We understand that shelter pets age are sometimes not available. We will accept your vets best estimate or any dates the shelter provided to you.

Since rates are set by the pets age, provide the best and most accurate age that you can. That will set the base rate from then on and you may want to "lock in" that rate with a special endorsement.

If your budget is a problem, then obtain basic coverage that covers all the accidents and medical problems but has a lower per incident level and or higher deductible. That way you have coverge and you can always upgrade to higher limit plan later. But do so before a medical problems develops, as the timing of the medical event and the coverage in place at that time will apply. In other words you cannot upgrade to higher limit after a medical problem develops. Good coverage with $2,500 per incident limit can be obtained for an average of $20 per month or less, depending on the age. Older pets cost more than younger pets. Good luck.

bonnienclyde asks:

I keep hearing that opening a savings account is a better idea than buying pet insurance? It seems to me that if I didn't end up with big vet bills that I could then take the money and use it for a vacation.

How can I know which is the better option?

Dr. Jack Stephens responds:

Unfortunatly, you will not know which is the better option until after the fact. This is the principal of insurance, "to take the unknown risk you cannot afford in exchange for your premium."

If as you say, you had no veterinary bills for your pet, then you would be ahead to simply save. But lets take a closer look. For instance if you saved $50 per month at 4% savings account interest AND YOU DID NOT SPEND IT! It would take you 9.59 years to save $7,000, which is the per incident limit for Pets First.

With Insurance, from the date the policy is effective for the same $50 or less you have $7,000 or $14,000 available per incident and $100,000 lifetime for multiple incidents available for veterinary care for your pet! For much less you can have $2,500 per incident limit. The trouble with life is you never know when an accident or illness will happen, how much it will cost or if your pet will have several medical conditions. The odds say your pet will have a medical problem or even several problems costing several thousand dollars in that 9 year span. Also, remember pets age faster than we do and their care can be costly if they are ill or injured.

Even if you have an extra $7,000 to immediately fund your savings account, which will grow by 4%, if you have more than one serious medical condition for your pet you will be low or out of savings.

Don't get me wrong, Savings are wonderful to have for emergencies or to buy something you want, but clearly not as good an option when it comes to the peace of mind pet insurance provides. Also be sure you get pet insurance that reimburses you 80% of your total veterinary bill, after the deductible, not from a schedule of fees. But of course I am biased, as I founded pet insurance in the USA and I have seen what happens or does not happen when pets are not insured and an unexpected accident or illness occurs. For puppies and kittens and pets over 6 years of age, pet insurance is a must, because that is when most of the medical events occur in pets.

Ticker asks:

I adopt pets often and then work hard to find the perfect home to place them in. If I purchase a Pets Best policy on an adopted pet how easy is it to transfer the policy to the new owner and can they enroll their other pets if they want to and recieve a discount for multiple pets? I personally don't think any pet owner should go without pet health coverage, it's the responsible thing to do.

Dr. Jack Stephens responds:

It is wonderful that you not only adopt, but then place them in "matching" homes. Far too often the wrong pet goes to the wrong household and it does not work out. Matching the activity, temperment and type of pet to the household dynamics insures they will remain.

The policy can be transfered easily by phone, fax or email by giving us the pertinent information. Calling may be the fastest and easiest in order to be sure we have all the information. The new pet family will recieve multiple pet discounts if they enroll other pets, or add any pets. In addition, if they enroll through the Morris Animal Foundation site, they will automatically recieve the foundation group discount. And I agree in providing financial responsibility for your pet, plus it gives you peace of mind.

Jean Brudd asks:

That's what I thought, Jack. Actually, this 10-month-old boxer had a slight fall on some stairs. When he was x-rayed, that's when they saw his hips and that of a healthy hip. The ball of his femur doesn't have enough room. The hip sockets or whatever they are called are very shallow. So the ball of the femur is only barely covered. Hence why he easily slipped his hip out with a tiny fall.

So I'm thinking this does not change your answer any. They've already talked about the options out there, which include:

There are three used surgeries and some that are still in testing or obsolete:

1) Complete Hip replacement. Dogs practically walk out with Bionic hips and recovery is amazing good with a good success rate. Costs about 5K per hip.

2) FHO - they cut the femur ball off completely and pin it in to the socket or something like that. Works better for small breeds. 50% chance for a dog of Chopper's size (huge puppy he is almost 60 lbs already). About $2500 per hip.

3) TPO: they cut the pelvic bone in three places then use plates to readjust the pelvic bone to accommodate the femur balls. Very good rate of recovery but very specific criteria needs to be met to perform this surgery. And it is about 3K and it would work for both hips at the same time.

They were going to take the dog for CSU for further exams/options, but I haven't heard from my friend yet as to if they did that and what they were told.

Dr. Jack Stephens responds:

You are right, insurance will not cover this problem. I am certain that your friend will get the most current and best advise at CSU. We adjust many claims for severe medical problems from CSU, so although this condition is not covered, tell your friend there are still many thousands of medical conditions that can and do happen to our pets.

Your friends boxer is still young and with proper therapy can live many years painfree. But remind them, that the incidence of cancer is higher in Boxers than most breeds and they should be financially prepared with pet health insurance for future medical problems.

Jean Brudd asks:

I have a friend who has a 10-month-old Boxer that is limping around and in pain. Diagnosis: hip dysplasia. I'm thinking the obvious, that it must be bad if such a young dog is already being affected by it.

She asked me about pet insurance. Just from what I've seen briefly here, is it too late for them to get pet insurance for this dog, at least for this condition? They don't have 10K for treatment. I mean, hip dysplasia isn't something that gets "resolved."

Please let me know what, if any, options there are.

Besides CSU, we need some options of where they can take their dog for treatment. They live in Fort Collins, but I told them about Harrison Memorial Hospital in Denver as a possible resource for lower-cost treatment. Thanks for your help.

Dr. Jack Stephens responds:

Unfortunatly, too late. Like waiting to buy auto insurance after a wreck. That is why we work so hard, as do many veterinarians to inform pet owners about pet insurance, so they have it in advance of a need.

In this case, we would pay $100, 200 or 300 without a deductible or co-pay if the condition was hereditary. But it may not be dysplasia, since the breed is not as common as many other breeds to have dysplasia. A good evalation with x-rays should be done first and soon to diminish further damage. There are a host of conditions or injuries that can cause limping and pain. Have your friend make an appointment with their veterinarian for an exam and possibly radiographs of the painful area. Only when a diagnosis or probable diagnosis is provided will they know the extent of the treatments required.

At ten months of age I would think it was some other condition or injury causing the limping and pain.

wanderingwanderer asks:

We recently had to take my cat to the vet because of bladder stones. He's fine now but our vet said that he will probably need surgery in the future. Is it a smart investment to get insurance?

Dr. Jack Stephens responds:

Yes, althought the current problem must be resolved or cured any future bladder problem, such as stones or infection will be covered with most all pet insurance. Confirm at enrollment that future bladder problems not associated with the current one are covered first if in doubt. I know our policy is that once a condition such as cystitis (bladder infection) otitis (ear infection) or bladder stones have been treated and cured, they are immediately eligible for future events.

But remember, there are still literally thousands of other conditions which are eligible. Certain medical conditions tend to reoccur. in fact JR one of my minature pinchers has had two bladder surgeries for stones, Obie, my Scottish Deer Hound has had 3, yes THREE Gastric Torsion (bloat) surgeries at $3,000! But my deductible and 20% made all very affordable and painless.

hjeter asks:

If you get a policy, are certain conditions not covered or does it depend on the type of policy you have?

Dr. Jack Stephens responds:

All insurance policys have some exclusions of items not covered for the premium paid. Usually the list is not long and most all pet insurance have the exclusions or in some cases the entire policy on their web sites. Pet health insurance is written to cover future unknown medical problems that can happen to your pet. You never know when something will happen, so by paying an affordable monthly premium your pet is protected for Accidents usually in a few days and for medical conditions in 14-30 days, depending on the company chosen.

None cover current medical problems whether diagnosed or not (pre-existing). If symptoms are present before the policy was purchased and effective, then the condition would be pre-existing and excluded. Things like pet food, boarding, grooming, travel are usually excluded and wellness or routine care are available by endorsement by most pet insurance plans.

smokeysmom asks:

I lost my heart dog to cancer six years ago when he was 7 and have pet insurance for my new dog. I'm still a bit confused about what the insurance covers and doesn't cover, though. I don't want to get caught unaware with a vet bill I wasn't prepared to pay for. How do I avoid that?

Dr. Jack Stephens responds:

Good question, usually any new medical problem will be covered that smokey obtains, such as germs, viruses, accidents, metabolic diseases and even cancer. The list of items covered runs into the thousands of medical conditions. Yes, I said thousands of problems can happen or develop that damage the health of our pets, which surprises many people. Easiest for you to exam the much shorter list of exclusions that companies have in their policys and see "what is not covered" if in doubt or shopping for a plan. Most pet insurers will post their policy on line for you to review. If not and you are considering them, ask for a sample policy.

Insurance magic: pay budgetable amount you can afford with broad coverage and high enough limits per incident and you are always prepared. Look for plans that pay a fixed percentage of the bill and avoid restricted schedules or benefit limits per condition that can make your out of pocket higher than you planned.

bebop asks:

With pet insurance, do I get to choose my vet or do I have to go to specific ones based on the insurance?

Dr. Jack Stephens responds:

With Pet insurance (one exception) you can choose any veterinarian. That is important, that you be able to maintain your trusted realtionship and be free to choose. In that respect pet insuance is better than many human health care plans where you cannot choose and may have to travel further.

You can also choose to accept emergency care or specialist care depending on your regular vetereinarian's hours and treatment options.

Lucy asks:

Can I insure my 10 year old Labrador retriever? She seems to be healthy but I worry about future health issues, like cancer.

Dr. Jack Stephens responds:

With most companies you can insure pets of any age. We have 21 year old cat and 17 year old dogs insured. Although problems can happen at any age, the statistics are against us and our pets as we age. Although the premium will be slightly higher, well worthy the cost.

Blakely asks:

Can you get pet insurance on a pet that has a pre-existing condition, such as diabetes? If so, does it increase the cost substantially?

Dr. Jack Stephens responds:

Typically you can insure a pet with pre exisiting conditions, however the policy will not pay for ongoing medical conditions. That would be like waiting to insure your car until after an accident.

The purpose of insurance is to cover future unknown risks. Otherwise, everyone would wait to purchase after there was a need. With most pet insurers, once the pre exisitng condition was cured, the condition would be eligible for future coverage. In your case of Diabetes, this condition is not cureable and would preclude enrollment for many insurers, because Diabetes has so many other medical conditions that can be associated with the primary disease, such as bladder infections and cataracts. Best to insure a pet when there are only minor pre exisiting conditions or none.

brett asks:

I am convinced. Why should humans be covered but not pets, both are so expensive to treat. Jack where can I find more information?

Dr. Jack Stephens responds:

You can go to the internet and type in Pet Insurance and view all pet insurers or our site is www.petsbest.com to learn more.

kb928 asks:

I have 2 cats. One of them is a purebred a little over a year. He had a pretty severe case of Giardia (took 3 rounds of antibiotics before finally clearing up), urinary tract infection (either took 2 rounds of antibiotics to clear up or got one infection right after the other). This cat will also put just about anything in his mouth, fortunately, he hasn't eaten anything that would hurt him. So, there was a 6 month time frame where he was at the vet once a month. Fortunately, we have a wellness plan w/ that vet.

Unfortunately, this means we HAVE to go to that vet.

The other is roughly 2 years old and she's never been sick. Outside of her regular checkups and being spayed, she's never had to go to the vet. These cats never go outside. So, while it's probably a good idea for the sickly cat, couldn't I wait until the other cat is a little older to sign her up for insurance?

Dr. Jack Stephens responds:

As I related in my last response, you just never know when something will happen. With 7 dogs and 2 cats insured for years, I can tell you that a couple have never used the insuance (other than the wellness rider). While some need it occassionally, Skeeter my 16 year old min pin, uses the insuance often, but the "king" is my Scottish Deerhound who has had 3 Gastric Torsion surgeries (bloat) cost $2,400 to $3,200 the last time.

It is a misnomer that indoor cats have few if any medical problems, because the still get cancer, bladder infections, diabetes, GI upsets, etc. They do avoid cat fight abscesses and car accidents. It is a matter of budgeting and what can you afford, when the unexpected happens. Insurance is simply passing off risk you cannot afford or don't want and budgeting for it by paying a monthly premium. Or take the risk yourself.

jreedy asks:

It's really neat to be able to talk with someone who's so knowledgeable about this stuff. I have one question. My wife and I have a brand new puppy that won't have old-dog health issues for many years. Should I consider pet insurance for a dog this young? Why?

Dr. Jack Stephens responds:

I think so, let me you give you an example that happened today and is common. A pet family in Houston adopted a lab mix breed puppy from a shelter. The first week he fractured his leg. It cost them nearly $2,000 and they did not have pet insurance. After that episode they bought pet insurance. Twenty-eight days later, the puppy swallowed a set of ear rings. It required surgery to remove the ear rings and later a post operative infection developed. Thousands of dollars later, which we paid the pet is doing fine.

The point is, you never know when it will happen. I have seven dogs insured, three have never used it, two infrequently, one fairly often but not too costly. And one has had three Gastric Torsion surgeries (bloat) cost grand total for three different episodes of nearly $9,000! What would have been difficult, since I no longer treat pets was easy. All I paid was the deductible and 20% on each claim. You never know!

Kelly asks:

I heard pet insurance is expensive? I would love to cover my 12 year old black lab.

Dr. Jack Stephens responds:

Not Really, there is a plan to fit most any budget.. Accident only is aroung $10 per month or less, a basic coverage with $1,500-2,500 per incident is around $15-20 per month, higher $7,000 per incident is around $25-35 per month. And there are higher per incident plans at $40-60 per month.

Wellness plans can be added from several companies that provide for annual check ups, vaccines, diagnostic testing, spay/neuter and teeth cleanings.

Older pets cost more, because just like humans they start having arthritis, heart and kidney diseases and higher incident of cancers. Not all companies will insure a 12 year, but those that do, will usually insure to any age. You want a plan that does not cease renewing because of age. Although medical problems and accidents can happen at any age, they become more serious as the pet ages. Finally, expect to pay more for a 12 year old lab, but it only takes one claim!

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