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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’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 originally had Embrace and thought it was a total scam because they refused to pay out on three claims. After switching to Trupanion through Chewy, I’ve been much more satisfied. They’re quick to respond to claims, with a decision made within two days for my first claim, and the money was directly deposited. Even though it’s a bit pricier, it’s worth it to me if they actually pay when needed.
I used Lemonade for my Husky mix and pay $700 a year for 90/10 coverage, which includes checkups. When we had an emergency scare, they were amazing with quick refunds and an easy-to-use app. Because of my positive experience with their fast claim reimbursement, I highly recommend them.
I’ve had Trupanion for my dog, and while it’s often among the highest in terms of quotes I’ve seen, it has an excellent reputation with comprehensive coverage. When my dog needed neurosurgery that cost around $13,000, I saw Trupanion cover almost all of it, with the owner only paying a couple of hundred. For me, that potential for covering really big expenses makes it worth the higher premium.
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