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With four cats of different breeds, finding a company that covers multiple pets was a priority. While some companies seem to require separate policies for each animal, like Wagmo and potentially Healthy Paws, I am still researching to see if any offer a single policy for multiple animals to simplify things and potentially save money.
I would strongly advise against Nationwide pet insurance. My corgi had emergency surgery costing $20,000, and I discovered that Nationwide only reimburses up to $7,500 per year. Many other companies have no annual limit, and this cap with Nationwide left me with a huge unexpected bill. It’s crucial to check for these limits before choosing a plan.
I’ve had a great experience with Pets Best. I had to use my policy once, and they covered everything. They reimbursed me 80% of the total cost, so I only ended up paying $1,300 out of a $5,300 bill. Knowing they paid out as expected after reading my coverage details gave me confidence in my choice.
Honestly, I think pet insurance is often a waste of money. I prefer to put aside $75 a month into a savings account. Over a few years, this can build up a significant amount to cover potential emergencies, and I don’t have to worry about claim denials or monthly premiums that could go towards actual care.
After reading about Nationwide’s $7,000 annual limit, it made me realize the importance of understanding policy caps. Some plans have unlimited benefits, while others have strict limits on how much they’ll pay per year or per incident. It’s essential to compare these limits alongside the monthly premiums to ensure adequate coverage for potential large expenses.
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