holistic canine insurance policies

[Newfs Forever]

Does anyone know of this? Are there any such policies?

TIA,

 

[scarlet's mom]

:idea::idea:Hmmmmmm...Sounds like a great concept...We have VIP pet insurance and chose this company because they did cover some complimentary therapies....There are several different types of policies, and the one we chose is a bit more expensive..They have a fairly comprehensive website if you want to check it out.Good Luck!

 

[Newfs Forever]

Is that VIP or VPI?

TIA,

 

[ardeagold]

Embrace covers some holistic methods. But remember, licensed holistic Vets are also traditional Vets who, in conjunction with holistic medicine, use traditional medicine when necessary. Sometimes, in emergency situations, dire illnesses, etc. they will prescribe and utilize traditional methods to get the dog well and then, use holistic methods to help keep the dog healthy. Also, holistic methods can be used in conjunction with traditional medicine. Mira was getting acupuncture while on antibiotics for infections after her spay.

Here's what Embrace covers in the holistic area:

http://www.embracepetinsurance.com/coverage/alt-therapies.aspx

 

[scarlet's mom]

VPI is the insurance

 

[Newfs Forever]

Ardea,

I am fully aware of allopathic/holistic vets, and their methodology. I have used one for many many years. And since I prefer to go the homeopathic/holistic route, I was hoping that may be there was a newer canine insurance company that would possibly cover some if not all alternative treatments.

Scarlet,

I also used VPI for approximately 18 years. And frankly, I will not use them again. To me they are highway robbery.

I just wanted to clarify that it was VPI that you were referring to.

 

[ardeagold]

Newfs Forever, since you are familiar with the holistic methodology...perhaps you can garner some information from the link I posted in response to your question.

 

[Newfobsessed]

I have Embrace insurance too, and that was one of the reasons I chose it - they acknowledge holistic vets, and they also gave me instant accident insurance - not that wait two weeks garbage that the others require. I have yet to use it (thank heaven) but it is nice to know it is there.

 

[scarlet's mom]

Sorry to hear about your experience with VPI...I have been a bit frustrated with them because each time I fax them the claim form for Scarlet's well puppy vet visit with shots, they say they did not receive it.Hmmm ...:idea::idea:Thinking I will look into Embrace for next year

 

[Newfs Forever]

Scarlet, hopefully that is the only bad experience you have with VPI.

Frankly, what I dislike so much about them is the fact they advertise, they will pay 90% of a claim. Ya, right they will, but look at the cost.

However, what they manage to do, is add a deductible to each new occurence within the "contract" year. (So, you pay $50.00 per different situation.) But, the worst of it as far as I am concerned is the fact that they "low ball" dollar amount for every ailment.

For an example, if a procedure costs you $100.00 at the vet, their limitation maybe $50.00 - $75.00 per procedure. Hence, after your $50.00 deductible, you will only get 90% of what they will allow. To me they are a rip off.

When Dex had his oral melanoma, (I carried a cancer rider on him that would allow double the payments) his total bill was roughly $5000.00. I received from VPI about $2800.00 and maybe some change.

Clearly, I will go elsewhere for insurance or I will set up a savings account for Sam, when I get him.

Hope this helps.

 

[scarlet's mom]

Thanks for sharing your VPI experience....I am going to research "Embrace" for next year...We should be up for renewal in March:grrr: