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I’m a new pet parent and trying to pick the best pet insurance, but my brain is fried! I’ve looked at so many companies like Spot, Fetch, Trupanion, and Lemonade. Everyone online seems to have a strong opinion, good or bad, and it’s hard to know who to trust. I don’t want to end up paying for a policy that won’t actually help if my furry friend gets sick or hurt. So, fellow pet owners, which pet insurance do you use and can you share any real numbers about your experience with claims and costs?
I would suggest getting quotes from multiple companies to gauge which one has the most affordable price. Then, choose a company based on its pros and cons, considering any pre-existing conditions your pet might have.
I have Nationwide Whole Pet, and it is expensive at $250 a month. However, we’ve needed it a few times in my dog’s three years, so I feel it’s super worth having.
I have Healthy Paws and have had to work through some issues defining pre-existing conditions for my older dog. However, I was able to speak to the person rejecting my claims and ultimately got the decisions reversed, though it took some effort.
I went with Lemonade through Chewy because it was the most affordable option I found. While some people have complaints across all pet insurances, saving the same amount of money wouldn’t make a dent in significant vet care costs.
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