Pet insurance reddit

Embrace. Pros. ~$32 / month. 80% reimbursement / $500 annual deductible. Option to increase deductible to $1k and make monthly cheaper. Includes dental coverage. Cons. $15k annual cap, which is probably fine is 95% of cases. No prescription coverage. Our furry friends aren’t just, well, friends. They’re our furry family members. We cherish them as entertaining companions, and we love them deeply for the joy they bring to our li...They did raise prices recently, so for a dog and a cat, I pay like $60 per month for the both. I'm lucky that I've never had to make a claim, but they have an app that apparently is easy to submit claims and track status. I have Embrace pet insurance and so far they've been great.Mar 6, 2024 · Pets Best has the cheapest pet insurance policies at $40 monthly on average for $5,000 annual coverage for dogs, based on Forbes Advisor analysis. Lemonade offers the cheapest cat insurance for ... It is worth it because it changes your incentives and it gives you peace of mind. Owning a pet is not a strictly financial decision. If it was it would be cheaper to not have a pet, or to have a pet without insurance, and then put them down if any procedure costs more than it would cost to adopt a new pet. Just a couple of weeks ago, I submitted a claim since my dog had been dealing with elevated liver enzyme levels in the last couple of months. I have been on Embrace Pet Insurance since Aug 2021 with an annual deductible of $750, and just this year so far I had spent like $1400 for the diagnosis, the liver pills, ultrasound, etc.For pet insurance, I'm deciding between Embrace, PetPlan and Healthypaws. Healthypaws is nice because it has no limit, but it doesn't cover vet exams. Embrace has a yearly claim limit (various), but it DOES cover vet exams, which seems like a good benefit to have, since those could be expensive in themselves.5.0. NerdWallet rating. Spot earned 5 stars out of 5 for overall performance and is one of NerdWallet's Best Pet Insurance Companies. Spot stands out for its comprehensive accident and illness ...Are you looking for an effective way to boost traffic to your website? Look no further than Reddit.com. With millions of active users and countless communities, Reddit offers a uni...5.0. NerdWallet rating. Spot earned 5 stars out of 5 for overall performance and is one of NerdWallet's Best Pet Insurance Companies. Spot stands out for its comprehensive accident and illness ...Sort by: pancak3d. • 2 min. ago. I mean if your dog is constantly going, then yes, pet insurance can be helpful. Does the dog have a chronic condition or something? That will impact your availability to get insurance. For most people, no, it's a waste of money. 1. r/personalfinance.Don't go with Embrace pet insurance. [Breeds] 🐕 Info. I ended up paying them over $90 a month and then wellness was tapped out on a $25 medication, a blood test, and an initial office visit consult to provide them a statement he was healthy. I ended up cancelling with them after the neuter (which I expected about $400 for as that …Apr 26, 2022 ... However, if spending the money will make you hesitate AT ALL when you're already upset and worried and scared about your pup - pet insurance is ...Finding the right insurance coverage can be a daunting task. With so many options available, it can be difficult to know which one is right for you. That’s why Progressive Insuranc...Looking for the most popular, best-rated pet insurance plan? In our research, Healthypaws had the most happy customers. While monthly premiums can be a bit high, fans agree the …I have MetLife pet insurance and find it terrible. They milk us for monthly payments then find paperwork reasons to deny coverage. I am completely dissatisfied. Paid them about $1700 over the past 9 months and are offering $150 on something that cost over $3k. And that is the first money they’ve offered yet. After 5 vets visits …Pet insurance is insurance for something that I believe the majority of pet owners would not buy: multi thousand dollar procedures for a pet. Things like cancer or diabetes are just to expensive. So, if you cannot afford, for instance, a $3000 treatment for an elderly animal, you probably cannot "afford" the insurance, either.I signed up for pet insurance sitting in the waiting room of the ER after paying a $3k bill. Thankfully my dog was fine as the consensus was he wasnt actually poisoned but I didn't know for sure at the time. He had chewed up a bottle of excedrin, and I found pills everywhere and took him for monitoring just in case.MembersOnline. •. LunaGreen-177. ADMIN MOD. I just cancelled both my Pet’s Best Policies. I admit I am a HUGE proponent of pet insurance. But the amount we were paying was $80 a month for two cats and when we had an issue with the payout they were rude and gave us terrible customer service. Pet insure was a luxury I could …You never know if it will be you that has a million dollar medical bill when you think you are perfectly healthy. Yes health insurance it worth it. You got lucky that the hospital discounted your bill but that is not a guarantee. Insurance is there to … I brought home a 8 month golden retriever rescue Wednesday, and want to get signed up for insurance ASAP, but am going back and forth on plan details. I’m leaning towards Pets Best as that’s what I used for my last dog and didn’t have issues. But their only annual limit options are $5000 or unlimited. Most other places I checked out had a ... That's $5,850 after everything is said and done to cover a $4,000 bill. Insurance doesn't cover basic maintenance like check ups, shots, or teeth cleaning so that's all out of pocket. And then of course most pet insurance won't direct bill either, not cover the taxes, so that's even more to cover until you get approved, if you get approved.Fulfilling Your Bulk Needs Since 1983. Welcome to Costco, we love you. Disclaimer: This Subreddit is not affiliated with Costco Wholesale Corporation. 481K Members. 3.7K Online. Top 1% Rank by size. Related. Costco Public company Consumer staples sector S&P 500 Business Finance Business, Economics, and Finance. r/Costco.We used a local ER vet, another local vet hospital and our regular vet and no issues with Lemonade accepting their paperwork at all. You just need itemized invoices and a copy of your pets chart/medical notes from the visit. Man I really wish I had the same experience. The pets best is $4 less, but they have a higher claim rejection rate according to it’s reviews. Thanks for your input! My point was the issue won’t be covered by pet insurance in the future. So you’ll pay $70x12=$840 + $1k for the same treatment if it happens again. Ask your vet if they think $15k is enough. With a young, healthy dog the liklihood that you'll pay more in premiums than you'll get out is pretty high. However, no pet insurance covers pre-existing conditions so if something unexpected does happen to your dog (she breaks her leg, develops allergies, grows a tumor etc.) it'll be too late to get that issue covered. Insurance is a for profit business-if they weren't collecting more in premiums than they pay out, then they'd go under. It is in their best interest to charge you as much as possible for as little payout as possible. If your pet happens to land on the expensive end of lifetime medical care, it will be worth it.Our furry friends aren’t just, well, friends. They’re our furry family members. We cherish them as entertaining companions, and we love them deeply for the joy they bring to our li...Pets Best has the cheapest pet insurance policies at $40 monthly on average for $5,000 annual coverage for dogs, based on Forbes Advisor analysis. Lemonade offers the cheapest cat insurance for ... And they said the company expects rates to climb 5% to 6% per policy year going forward. However, in 2017, our fictitious cat cost an average of $52 per month to insure. In 2021, establishing ... 171K subscribers in the shiba community. Subreddit for Shiba Inu dogs. Post your pictures, videos, questions, etc.Pet insurance allows you to secure healthcare coverage for your cat, dog, or other furry friend, making the cost of veterinary care more manageable in a variety of situations. Whil... It is worth it because it changes your incentives and it gives you peace of mind. Owning a pet is not a strictly financial decision. If it was it would be cheaper to not have a pet, or to have a pet without insurance, and then put them down if any procedure costs more than it would cost to adopt a new pet. Tips for Finding Pet Insurance with PECs: Shop around: Compare plans from different providers to find one that offers the best coverage for your pet's specific needs and PECs. Consider specialized insurers: Some companies focus on insuring pets with pre-existing conditions, though premiums might be higher.Out of the $953.11, they applied $834.61 towards our $1000 deductible. They didn’t cover the proviable the emergency vet gave us since it’s not a prescription (valid). I didn’t realize they applied our 10% co-pay to amounts incurred before we met the deductible. Users share their experiences and opinions on different pet insurance companies for dogs, such as Lemonade, Trupanion, ASPCA, Pets Plus Us and Figo. Some mention the pros and cons of coverage, costs, claims and wellness packages. About Community. Pet Insurance Reddit community for discussions on insurance options available to your furry friends. Created Aug 21, 2022. Bivvy Pet Insurance. I saw an ad on Facebook for Bivvy pet insurance. It is a value ($10/mo) insurance which of course comes with some pretty big drawbacks: The annual limit is the maximum amount Bivvy will pay each policy year. This limit is $5,000 and resets each year. The incident limit is the maximum amount Bivvy will pay for the same ...Similar to the health insurance you have for yourself and your family, pet insurance is a type of insurance policy you can buy to help cover the costs of your pet’s veterinary care...If you think that scandalous, mean-spirited or downright bizarre final wills are only things you see in crazy movies, then think again. It turns out that real people who want to ma...I have MetLife pet insurance and find it terrible. They milk us for monthly payments then find paperwork reasons to deny coverage. I am completely dissatisfied. Paid them about $1700 over the past 9 months and are offering $150 on something that cost over $3k. And that is the first money they’ve offered yet. After 5 vets visits …My monthly rate is $25ish a month, or 300 a year, or ~4000 over a lifetime. One large vet bill requiring surgery will pay for that. I looked at adding Lemonade pet insurance to my renters policy with them but ended up deciding not to. I currently have my pet insurance through Nationwide. That's literally what insurance is. Don't you think they are making money? I understand that pet insurance pays the vet less for procedures, but $30/month is $3600 over 10 years. That's probably much under what most people spend on vet bills in 10 years. Just like anything else, you may spend way more. My savings account has almost a 4% interest. Out of my four dogs, the dog with the worst health is turning ten and has spent around $5600 at the vet, which includes annual shots/meds, neuter, GVD surgery, and a rattlesnake bite. Trupanion just quoted me $55 a month, which is only 90% reimbursement and a $500 premium. Basically, the best insurance is going to depend on your specific situation, and while it's good to get a vet's opinion on it, no vet except your personal one will known much about you, your dog, your needs, or your situation. That said, Embrace used to be the one I'd recommend most often. I say "used to" because it's not my area anymore and I ... Jul 15, 2023 ... Honestly, I looked into pet insurance when I adopted my dog. ... I didn't get pet insurance until when I adopted my dog ... Reddit · reReddit: Top ...I got Embrace at a discount through my auto insurance company. Or if you have Costco I know they offer pet insurance discounts. For a healthy cat it’s usually only worth getting emergency cover with a high deductible and low premium. Embrace does offer a wellness plan that basically just gives you $20 discount for vet visits/flea prevention. Insurance is a for profit business-if they weren't collecting more in premiums than they pay out, then they'd go under. It is in their best interest to charge you as much as possible for as little payout as possible. If your pet happens to land on the expensive end of lifetime medical care, it will be worth it. Renters insurance covered most of, if not all, of it. For the low price of 12 dollars a month. If you rent, please get renters insurance. On top of helping cover lost food, destroyed items, it also covers liability. Mistakes happen, it's part of being human. But with renters insurance, you are covered (check your policy/talk to an agent to see ...99% sure this will be considered a pre-existing condition. Insurance groups tend to take the medical history as a risk assessment, so your dog swallowing something and needing surgery means they are at risk of having the same situation again in the future. It would be a happy surprise if they decided to cover it, so still submit a …With a young, healthy dog the liklihood that you'll pay more in premiums than you'll get out is pretty high. However, no pet insurance covers pre-existing conditions so if something unexpected does happen to your dog (she breaks her leg, develops allergies, grows a tumor etc.) it'll be too late to get that issue covered.Dutch shepherd, petplan now known as fetch, paid $475 for yearly 2021 to 2022, paid $580 for 2022 to 2023. 15k annual pay out, $300 deductible, 90% coverage. No one else was even close. Look for high deductible plans for catastrophic events. $250 and $500 deductible plans can be very expensive for purebred dogs.We ended up paying $1100 for her spay and that was after a courtesy discount since we kept going back to the same vet. Look up various cat insurances and read the fine print about the initial physical especially if you take in a stray and consider speutering costs. Edit to add: we go to Heart of Harlem vet.Progressive pet insurance through Pets Best costs an average of $38 per month, according to Forbes Advisor’s analysis of pet insurance costs. That’s for $5,000 of annual coverage, a $250 ... The cons of insurance are that you have to pay up front, file claims, and get reimbursed. And you’ll have to meet your deductible. But especially with an adult cat, you’ll be glad to have it, and the deductible is easy to meet — kitty will need blood work, dental, etc, possibly Rx food if she has an issue. Reply reply. But you don't have a max out of pocket for the pet (but each person can decide if they want to spend $10K or $100K on a pet) Best case is you have more than enough in your savings amount and can treat your pet towards end of it's life. Exactly. My pet insurance pays 90% of any costs. Jul 14, 2023 ... 13 votes, 44 comments. true.But you don't have a max out of pocket for the pet (but each person can decide if they want to spend $10K or $100K on a pet) Best case is you have more than enough in your savings amount and can treat your pet towards end of it's life. Exactly. My pet insurance pays 90% of any costs. We had to pay 10%, so £250 + £240 or so in combined yearly payments. I used to question it too, but now I think It was a brilliant investment. Edit: The basic rule of insurance I guess is insure against what you wouldn't be able to afford. Pet insurance is probably in the middle, affordable for some, not so for others. Pet Insurance Pets Best vs Lemonade, seeking experiences. [Discussion] I had Embrace insurance when my now 5 yo Lab was a puppy, but after it tripled in 2 years I dropped it. I know have a 1 yo Lab also and looking back into insurance. I can do a high deductible, with a ceiling on reimbursement. I am looking seriously at Lemonade and Best Pets ... That's literally what insurance is. Don't you think they are making money? I understand that pet insurance pays the vet less for procedures, but $30/month is $3600 over 10 years. That's probably much under what most people spend on vet bills in 10 years. Just like anything else, you may spend way more. Costs me around $70 per quarter. Same as any insurance be aware of the excess, policy limits, exclusions and terms and conditions. Excess- the amount you need to pay per claim. Mine is $125. Policy limits- think mine is $10,000 per claim but there might be sub limits like maximum of $5000 for surgery.Aug 4, 2022 ... I'm with Trupanion for my cat. I got it the day I got him. I pay $39.77/month with a $200 deductible. I have made a total of three claims and ...I'm still trying to decide if I wanna get pet insurance or not and weigh my options, so anything is appreciated! I have 1 dog (4.5 years, 25 lbs mixed breed) and 3 sun conures (two are 6 years, one is 12 years) that I'd pay forJul 15, 2023 ... For Christmas last year I gifted my 10 year old cat, a 90% coverage $200 a year deductible, pet insurance plan. The monthly payments were ...64 votes, 89 comments. true. So, the quote is for 2 dogs, 5 and 6 years old. They are Cavalier King Charles Spaniels, which do tend to have health issues later in life, but the quote is $548.16 more per year than my current insurance for …I still appreciate input about other pet insurance companies in Canada. Specifically; experience for claims when you complain your vet about “itchiness” when puppy was 3-4 months old, but no such symptoms or complains for almost a year after that. Infamous_Secretary28. • 2 yr. ago. I submitted a claim January 8 and it took them 4 …Sep 23, 2023 ... Absolutely worth it. Have used in both of my cats I've had it for. But you will probably find it's too late to get it for your cats born 2016.Embrace is on the expensive side, but the coverage is really good and the customer service is awesome. 4. nonacrina. • 2 yr. ago. Which country are you in? I can give advice on dutch companies, but won't be much use if you're somewhere else. Bread_and_Butterface. • 2 yr. ago. steph_not_curry93. • 2 yr. ago. Pets best by Progressive has been amazing. $27 a month and they have reimbursed for 80% of $25K in our dog’s care over the last year without any questions or issues. Alert_Club8448. • 2 yr. ago. Check out Lemonade it’s great. Sep 21, 2022 ... It's a gamble. It's definitely useful and a game changer for emergencies, but if you have a healthy pet (that you're not breeding or running for .... Lemonade Pet insurance rates are too good to be true. [Discussion] If anyone here is considering Lemonade pet insurance because they have competitive rates, buyer beware. Last year at this time I shopped around and found them to be the cheapest and they seemed like a reputable, although new company. Nine months into the policy, my dog tears ... Progressive pet insurance through Pets Best costs an average of $38 per month, according to Forbes Advisor’s analysis of pet insurance costs. That’s for $5,000 of annual coverage, a $250 ...That's $5,850 after everything is said and done to cover a $4,000 bill. Insurance doesn't cover basic maintenance like check ups, shots, or teeth cleaning so that's all out of pocket. And then of course most pet insurance won't direct bill either, not cover the taxes, so that's even more to cover until you get approved, if you get approved. We currently have Lemonade for our Husky/Shepherd mix and so far so good. We've placed one claim for a routine vet visit and vaccines. The claim was processed in seconds and approved. We received 80% reimbursement and that was direct deposited in about a week. The cons of insurance are that you have to pay up front, file claims, and get reimbursed. And you’ll have to meet your deductible. But especially with an adult cat, you’ll be glad to have it, and the deductible is easy to meet — kitty will need blood work, dental, etc, possibly Rx food if she has an issue. Reply reply.All sarcasm aside, the issue with insurance being privatized, as many of the people on reddit can attest to, there are many different methods of breaking down bills and distributing the claims. As far as pet insurance goes, there is a growing trend towards providing compensation towards non-preventative procedures.Jul 15, 2023 ... For Christmas last year I gifted my 10 year old cat, a 90% coverage $200 a year deductible, pet insurance plan. The monthly payments were ...Apr 26, 2022 ... However, if spending the money will make you hesitate AT ALL when you're already upset and worried and scared about your pup - pet insurance is ...Sep 15, 2023 ... I have medium-sized rescue pooch, 4 years old, quite robust, no medical conditions, sterilised. I'm looking for a pet insurance for her that ...AKC Pet Insurance - our experience. So I’ve seen a few people asking about pet insurance recently and given our little mishap last week with a blockage in our pup’s tummy I figured I would share how our first experience filing a claim went. We have AKC pet insurance with a $250 deductible, unlimited incident/annual limit with 20% coinsurance.NerdWallet rating. Embrace earned 5 stars out of 5 for overall performance. Based in Cleveland, Embrace offers popular and comprehensive …If you have a potentially very expensive pet then insurance might be worth it. But if you take your premiums and put them aside like you said, that would certainly cover 99% of possible scenarios. I love my dogs and they're included in my emergency savings. Reply reply.$5,000, $10,000, Unlimited. 70%, 80%, 90% $100, $250, $500. Why We Picked It. Pros & Cons. Is Pet Insurance Worth It? Pet insurance can be a …Short answer is Trupanion if you can afford it. It pays out the best and has the best coverage. Maybe you should do a deep dive into it and come up with a …Below are the five companies we recommend for affordable pet insurance. Click on the company name or keep scrolling for more details on each. Lemonade: Cheapest for dogs. Figo: Cheapest for cats ...Reddit is a popular social media platform that boasts millions of active users. With its vast user base and diverse communities, it presents a unique opportunity for businesses to ...Pets Best has the cheapest pet insurance policies at $40 monthly on average for $5,000 annual coverage for dogs, based on Forbes Advisor analysis. Lemonade offers the cheapest cat insurance for ...Aug 9, 2022 ... I now “self insure” by putting £50 a month in a pot and that's my pet insurance. ... Pet insurance isn't ... u/Reddit-adm avatar · Reddit-adm. • 2y&n...I currently pay about $29/month with Healthy Paws, and Trupanion would cost $43/month. Embrace: It seems great, but for very similar coverage levels compared to what I have with Healthy Paws, it's much more expensive. With the same deductible, reimbursement rate, and $30K annual cap (the closest thing to unlimited), Embrace would cost $52/month.Also their website description of the Rover guarantee says it's supposed to be used if there is no other method of coverage. We actually have Pet's Best insurance with an annual $250 deductible so it seems like if Rover doesn't cover the stitches removal visit, it's kind of better if we try to get all of it covered through our own insurance ...Progressive pet insurance through Pets Best costs an average of $38 per month, according to Forbes Advisor’s analysis of pet insurance costs. That’s for $5,000 of annual coverage, a $250 ...Pet insurance companies generally have a specific amount of time you must wait for coverage to begin. This amount of time is known as the waiting period. For example, ManyPets has a 15-day waiting ...Annual deductible means you cover the first $700 over the entire year out of your own pocket. After that, at 90% reimbursement, the insurance company will pay 90% of covered services billed. So if you incur $1,000 in vet expenses over the course of a year, you'll pay the first $700, then 10% of the remaining $300 (or $30) and the …If you have a potentially very expensive pet then insurance might be worth it. But if you take your premiums and put them aside like you said, that would certainly cover 99% of possible scenarios. I love my dogs and they're included in my emergency savings. Reply reply. But no, Pet Insurance is not worth it. Put the $40 or so dollars per month that you would spend on pet insurance into a (your choice of investment, but even a bank account with interest. 1.35% is better than nothing). Then, pay for medical expenses out of that. There will be thousands of dollars in that account when your pet is old. They did raise prices recently, so for a dog and a cat, I pay like $60 per month for the both. I'm lucky that I've never had to make a claim, but they have an app that apparently is easy to submit claims and track status. I have Embrace pet insurance and so far they've been great. Jun 1, 2023 ... The wellness offers $500 in benefits. The $250 deductible does not need to be met. You probably won't use every benefit during the year, but ...Annual deductible means you cover the first $700 over the entire year out of your own pocket. After that, at 90% reimbursement, the insurance company will pay 90% of covered services billed. So if you incur $1,000 in vet expenses over the course of a year, you'll pay the first $700, then 10% of the remaining $300 (or $30) and the …I brought home a 8 month golden retriever rescue Wednesday, and want to get signed up for insurance ASAP, but am going back and forth on plan details. I’m leaning towards Pets Best as that’s what I used for my last dog and didn’t have issues. But their only annual limit options are $5000 or unlimited. Most other …As a pet owner, it’s essential to ensure that your furry friend receives the best possible care when it comes to their health. One way to do this is by investing in pet insurance. ...MetLife, Embrace and Pets Best top our list of the best pet insurance companies. By Sarah Schlichter. Updated Mar 11, 2024. Edited by Caitlin …I adopted him without knowledge of any pre-existing conditions, got pet insurance right away, got hit with $15,000 in vet bills for him expecting insurance to cover much of it, insurance didn’t, lost the insurance because i moved and it was no longer an option, and now in just 1 month, he has had two major vet visits that have added … Definitely worth it! It won't cover the heart murmur, but if she ever developed issues in a completely unrelated area, you would be able to get some percentage of your money back. Just FYI that you do have to pay vet costs upfront, even with pet insurance. So it's more about the peace of mind that comes with knowing your upfront costs will be ... We currently have Lemonade for our Husky/Shepherd mix and so far so good. We've placed one claim for a routine vet visit and vaccines. The claim was processed in seconds and approved. We received 80% reimbursement and that was direct deposited in about a week. I've been researching for 3 days on which pet insurance will benefit me and my new pup the most. There's so many and so many choices of plans, it's a bit …As a pet owner, you want to provide the best care possible for your furry friend. However, unforeseen accidents or illnesses can happen at any time, leading to unexpected and expen... For a 1-year-old mixed-breed cat in the Yonkers, N.Y., area, the plan will cost $181 the first year. If your cat is 4, the coverage will be $219. If you have a dog, you’ll pay $473 the first year to buy the plan for a 1-year-old mixed breed, medium-sized Yonkers dog; it’s $699 if that young pooch is a golden retriever. The cost of coverage ... That's $5,850 after everything is said and done to cover a $4,000 bill. Insurance doesn't cover basic maintenance like check ups, shots, or teeth cleaning so that's all out of pocket. And then of course most pet insurance won't direct bill either, not cover the taxes, so that's even more to cover until you get approved, if you get approved.As a pet owner, you want the best for your furry friend. You want to make sure they are healthy and happy, and that they receive the care they need when they need it. However, acci...But you don't have a max out of pocket for the pet (but each person can decide if they want to spend $10K or $100K on a pet) Best case is you have more than enough in your savings amount and can treat your pet towards end of it's life. Exactly. My pet insurance pays 90% of any costs.They covered over 3 years of Melanoma treatment ($1000 for a vaccine and recheck every 6 months) as well as a $10,000 radiation treatment for bone cancer. Reimbursements usually took a couple of days with no hassles. …For pet insurance, I'm deciding between Embrace, PetPlan and Healthypaws. Healthypaws is nice because it has no limit, but it doesn't cover vet exams. Embrace has a yearly claim limit (various), but it DOES cover vet exams, which seems like a good benefit to have, since those could be expensive in themselves.Feb 7, 2023 ... If it's $60 a month and your pet lives 12 years you will spend about 9k. It's up to you whether you have insurance or put money aside. You are ...Mar 6, 2024 · Pets Best has the cheapest pet insurance policies at $40 monthly on average for $5,000 annual coverage for dogs, based on Forbes Advisor analysis. Lemonade offers the cheapest cat insurance for ... | Cjolwpwaphskm (article) | Mxsran.