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Lemonade has been a lifesaver for my rescue puppy! Less than two weeks after getting her insured, she broke her leg, and they covered 80% of the costs. They’ve reimbursed over $5,000 for this incident, and my monthly premium is only $32, making me a very satisfied customer.
I opted for a pet insurance plan with a wellness component, and my annual premium went up by $120, totaling $419.88 this year, which breaks down to $34.99 monthly. So far this year, my approved claims under the wellness plan have covered a heartworm test and a year’s supply of Simparica Trio, hitting the $150 limit for that category, as well as chewable immune supplements and shampoo.
I’ve had a great experience with Figo’s claim process. When my dog had diarrhea in December 2023, the claim was processed within just one week. Then, in February 2024, when she needed sutures for a nose injury that required sedation surgery, the claim was processed incredibly fast, in only two days.
With Trupanion, I specifically chose a plan with higher deductibles because I wanted coverage for significant, recurring health issues without lifetime limits. For me, it’s about having “disaster insurance” for those really expensive situations, and I’m willing to pay more out-of-pocket initially to ensure long-term coverage for chronic conditions.
Instead of paying monthly premiums, I’ve chosen to put aside $75 every month into a dedicated high-yield savings account. My thinking is that over time, this fund will grow and be available for any unexpected vet bills. While insurance might cover a large chunk of a sudden major expense, I prefer having direct access to and control over my own funds.
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