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I’ve had a pretty good experience with Lemonade. When my rescue puppy broke her leg less than two weeks after I got the insurance, they covered 80% of the over $5,000 in vet bills. I’ve only paid $32 a month so far and the claim process through their app was super easy.
I have four cats, and for me, getting separate policies for each didn’t seem financially sensible. Even though I might face a large vet bill someday, the cumulative cost of multiple insurance premiums each month would add up significantly, especially since most of my cats are currently young and healthy. I’m opting to put that premium money into a dedicated savings account instead.
I used to think saving was the way to go, but my friend’s older dog needed a $15,000 surgery. Watching her struggle with that decision made me realize that pet insurance was worth it to avoid that kind of stress. Now I pay around $50 a month, and knowing I won’t have to choose between my pet’s life and my finances is invaluable.
As someone who works in a vet ER, I see firsthand how crucial pet insurance can be. Neurosurgery for our patients often costs around $13,000. I’ve seen Trupanion cover the MRI, surgery, and hospitalization, leaving the owner with only a few hundred dollars to pay. If you can’t afford a sudden $5,000 bill, insurance is likely a good idea for you.
From my experience, it’s better to save the money yourself. I’ve had my cat for 17 years and have never had pet insurance. In all that time, I’ve only had one emergency vet visit that cost me around $1,000. If I had paid even a modest $30 a month for insurance over those years, I would have spent over $6,000 in premiums, far more than my actual vet emergency cost.
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