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Hi everyone, I’m getting a 10-week-old puppy in a few weeks and I’m trying to figure out the best pet insurance. There are so many options and I’m feeling a bit lost. I’d love to hear from other pet owners about their experiences. Which pet insurance company do you use, and why did you choose them? Have you had any positive or negative experiences with claims and reimbursements? Any advice you can offer would be really helpful as I want to make sure my new furry friend is well-protected.
I use Lemonade for my dog and cat, and it turned out to be the cheapest option when I got multiple quotes using a comparison website. The price seemed reasonable, and their app was super easy to use for signing up. I just had to provide some basic info and upload my vet’s document, and my dog was covered.
For my Coonhound mix, I personally have Figo, and it’s been a great fit for us. While it can be more expensive for certain breeds like French Bulldogs, as one user mentioned it has “more than paid for itself every year” because of their dog’s health issues. They also offer discounts, like the one I recently got for being a Costco member.
I have Pets Best for my dog and they have reimbursed me over $4,000 in my dog’s second year. Even though their premiums increased, I still find it worth it because they pay out on claims. For my Golden Retriever, Pets Best is actually a top recommendation, especially because they have a short 14-day waiting period for hip dysplasia.
As a vet tech with over 10 years of experience, I personally use Lemonade, but I’ve also seen how Trupanion can be really good because it often covers a significant portion of very high bills, like a $13,000 neurosurgery where the owner only paid a couple hundred. The bottom line is to find a plan you can afford and don’t cancel it.
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