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I shopped around and found a plan with a higher deductible but a lower monthly premium. For example, I opted for a $500 deductible instead of a $250 one to bring my monthly cost down from $40 to $30. I’m comfortable covering smaller vet visits myself, and the insurance is really for those bigger, unexpected expenses.
I use Lemonade, and so far, my experience with claims has been good. I had a claim for diarrhea processed within a week, and another for a nose injury requiring surgery processed in just two days. Knowing that I paid my premium and got reimbursed quickly for costs like surgery makes the monthly fee feel justified.
As a vet tech, I see many people who regret not having insurance. I’ve seen bills go over $10,000 for things like major surgeries or cancer treatment. While a $50 monthly premium might seem like a lot, it’s a small fraction of what some emergency bills can be, and I’ve seen people have to make heartbreaking decisions based purely on cost.
I’ve had two pets, and with my last one who lived to be 13, I paid around $40 a month for insurance for 8 years, totaling $3,840. He had one incident that cost $1,500, and my insurance reimbursed me $1,200 after my deductible. While I didn’t get more out than I paid in that case, the one time it helped made it feel worthwhile.
For me, it’s about the “what if.” I know that a major surgery, like a tumor removal that cost someone around $650, could easily jump into the thousands. If my insurance covers even 80% of a $5,000 emergency, my out-of-pocket cost is $1,000 instead of the full amount. That potential saving in a crisis is why I have it.
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