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I’m happy with Fetch. They have a 15-day waiting period for illness or injury, which seemed reasonable to me. They also cover complete dental and behavioral issues, and even boarding if your pet is hospitalized. However, they won’t cover hips or knees for the first six months unless an exam in the first 30 days shows no pre-existing conditions.
I’ve been using Figo for my dog since he was a puppy four years ago. I’ve only had to file one claim, which they paid after my deductible. A great benefit I’ve used a lot is their free 24/7 on-demand chat with vets, which has been a lifesaver for minor issues.
I’ve had ManyPets for about two years and like that they don’t have a payout cap. They also cover certain pre-existing conditions if they are symptom-free for 18 months. My annual premium is $419.88 (around $35 monthly).
I went with Healthy Paws for my puppy. One key difference I considered was that they have annual deductibles, while Trupanion has deductibles per condition. For me, an annual deductible made more sense in case my puppy develops multiple issues throughout the year.
I have Nationwide Whole Pet, and it’s expensive at $250 per month. However, I chose it because I was concerned about potential health issues with my dog. It really depends on your budget and how much risk you’re willing to take.
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