Best Pet Insurance for Cats (Our Top 6 Recommendations)
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- čas přidán 30. 06. 2024
- After hours of research on the top pet insurance providers, we've chosen these 6 as the best insurance you can buy for your cat.
Use the coupon code ALLABOUTCATS20 to get 20% off your first month of Pawp: cats.com/link/?href=https%3A%...
Note: as of December 6th, 2021, the monthly cost of Pawp membership has gone up from $19 to $24.
Read the complete guide: cats.com/best-pet-insurance-f...
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Video Navigation:
0:00 Introduction
0:34 About Pet Insurance
3:12 Overall Best: Lemonade
cats.com/link/?href=https%3A%...
5:05 Runner Up: Embrace
cats.com/link/?href=https%3A%...
6:16 Easiest to Use: Pumpkin
cats.com/link/?href=https%3A%...
7:48 Best Web Experience: Figo
figopetinsurance.com/
9:21 Most Comprehensive: Petplan
www.gopetplan.com/
10:22 Best Insurance Alternative: Pawp
cats.com/link/?href=https%3A%...
13:02 Conclusion
Get a quote on the insurance mentioned in this video:
Lemonade: cats.com/link/?href=https%3A%...
Embrace: cats.com/link/?href=https%3A%...
Pumpkin: cats.com/link/?href=https%3A%...
Figo: figopetinsurance.com/
Petplan: www.gopetplan.com/
Pawp: cats.com/link/?href=https%3A%...
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Disclosure: Some links are affiliate links to products. We may receive a small commission for purchases made through these links
Does your cat have insurance? Why and why not? We'd love to hear more about your experience with pet insurance for cats. Enter coupon code ALLABOUTCATS20 to get 20% off your first month with Pawp: bit.ly/3B3VBTi
Thanks for the code and great video! We just got kittens and also have an older cat. Pawp sounds like a great pet insurance for our fam.
Is it same price in the UK
I agree
I'll be thinking twice before I get another cat. The cost of food is going way up and my girl is getting old. I'll be needing insurance, but we never had any, so pre existing will be a thing considering her age. Thanks for the info.
honestly I feel like pet insurance should just be an extension of your regular health insurance. Health insurance works for people, why can't you just add a pet to your policy and then have the money go to a vet instead?
Healthcare for people is heavily subsidized
@@juliac3933 well they sure make up for it by charging 28$ for a bandaid
Maybe once we get people insurance prices under control 😄
I agree
Might as well ask why people dental insurance is separate from medical insurance. I researched why that is, and it was a decision made many decades ago when these larger insurance plans were created. Dentists weren't used by most people and they didn't lobby much to be included and here we are today, with separate insurance which many don't have including Medicare.
I really appreciate this in-depth review. Our cat got sick yesterday, the vet bill was over $700. We’re definitely getting insurance asap.
Glad you found it helpful, Brandy!
Thank you for tackling this subject! There are so many variables to consider! I appreciate all the information you share on your website and this channel. Keep up the good work!
Trupanion - We pay about $160 per month for 4 cats. We recently had two that were feeling ill, after a couple rounds of meds our vet recommended biopsies. When she went in, both cats required surgical removal of hairballs and one needed a feeding tube. Trupanion has taken great care of us and reimbursed us within 5-7 days of receiving our filed claim.
In 2017 we had a series of unfortunate events with a single veterinary incident that cost us 18k. We had been planning to get pet insurance for months, but never got around to it. Now that we have Trupanion, we feel at ease knowing that we might be spared from having to make a difficult decision.
I thought trupanion pays at the time of service not after
I had to put down my sweet cat Isis because I just didn't have money for her surgery. So I'm looking for insurance because I have 2 cats now- If all they do is reimburse me afterwards that is basically useless for major things, which is what I need it for!
You are honestly the best. I feel comforted whenever you show up on a search. Thank you for your excellence and clarity
Yass!! Was waiting for this!! Thank you!! I've been looking and researching, it's so much to get around but this vid is an awesome resource!!
Wow, thank you. I have been overwhelmed trying to figure out the pet insurance issue. This helps. Great job.
What did you go with, and why?
This was right on-time. We adopted a cat last week. Thanks for the info. ❤️xoxo❤️
Thank you very much! Highly informative as always! My 2 cats are currently not insured.
Although, I consider it more and more, now that they are 7 yrs. old. I'm curious to see if any of the companies I was previously considering are in the second part of your list lol! Made me relieved I didn't choose them!
Rawk on!
i’m so happy i find your video! i got lemonade for my cat and they immediately approved for his vaccine! he is a kitten and he needs many vaccines and it quickly pay for itself
That's awesome! Glad it's paying off already.
How much is it each month? I have two 5 month old kittens haven’t been to vet yet
what plan did you choose ?
@@hammypiewhich pet insurance did you end up with?
Thank you! This is an awesome overview of cat pet insurance!!!
This video came at the best time because my previous pet insurance is closing down after this month and I wasn't sure who to go with. thank you!
Thank you for all your videos! You are the best!
When I adopted my cats Milo and Simba a couple years ago, I signed them up for insurance. I know it is important to have especially when they get older. I just wish it would cover wellness and teeth. I have spent thousands in the past on my cats, especially the last one that had diabetes. It is something that everyone that has a cat should have.
Rita - Pumpkin does offer wellness package as an add-on @$11.95; and their basic plan covers dental surgeries, but not cleaning or any preventive care.
This is a very helpful video for basic pet insurance information!
Thank you; I'm glad you think so.
I’ve also had lemonade (+ wellness plan) for a little over a year now and never been disappointed!
Good to hear!
They were great with our rental insurance… when I had someone break into our car and steal all of my work equipment. They covered that, but wouldn’t cover the stereo system. So I’m trying to research the best one for cats
Thanks so much, this was really helpful, I didn't know where to start, lol
this is AWESOME!!! thank you so much!!
Thank you for this video! I really appreciate it!
Any time!
I had Pets Best but got lemonade because of this video. Pets Best had more coverage but it was way more expensive and I rarely need it anyway. Thank you for this video!
Are you still with lemonade?
I decided against insurance due to my cats age, but something I thought was really nice about Embrace is that their wellness plan is a set dollar amount you can spend as you wish on any routine medical needs. A lot of other insurance plan’s wellness add ons are a lot more restrictive
same! that's what is making me lean towards getting Embrace
Their wellness plans seem to be one of the worse to me price wise. You spend and extra 32.40 a month for annual $450 of wellness coverage. In other words, you're spending about $425 a year to get reimbursed up to $450. You save $25. Other plans were only charging $25 at most for similar wellness coverage.
Thank you for your quick reply and help on my question about wet food. Love your videos. I'm a dog/Cat owner the last 60 years. Cats only the last 30 years and your help is greatly appreciated.
Just recently we adopted two 7 year old cats. Been with Trupanion over 15 years went back to them for insurance and I was quoted $167 for the Male $133 for the female. 2 healthy 7 year olds. Trupanion has gotten crazy. Thank you for doing this video. I know it's 2 years old but I'm checking them all.
$167 & $133 per month or per year?
@@aureliahall203 That's per-month and I was with them for 11.5 years as of Sept 2nd when my last cat passed away. I used them twice in almost 12 years. I'm now with Embrace. and the cost is $77 a month for both Jasper and Zoey and it's 15K max $200 Deductible and 90% pay. No wellness coverage but it's available if interested.
The reasons why I chose pumpkin; two week waiting period, dental illnesses are covered even if you miss an annual dental exam, exam fees are covered if the exam is due to a coverable illness, the preventive essentials pack, hereditary conditions are covered, behavioral issues are covered, prescription food, supplements and virtual vet visits are all covered. The negatives; rate increase with birthdays (4% to 25%), no 24/7 contact availability and the annual max cap is 15,000 for cats. That seems a bit low considering surgeries can easily run into the tens of thousands. Oh, I pay 45 a month for 15K cap and 100 deductible plus the essentials pack. That's a bit expensive.
Not available in Canada I believe
I wish I paid more attention to the coverage! I have lemonade and my cat was just diagnosed with dental disease and it wasn't covered. Ahh.. sucks.
@@stand4truth607is dental an option with lemonade or do they not cover it at all?
Thank you for helping me feel comfortable exploring insurance options for my new kittens. I really appreciate that assistance!
Thank you for the video!
I have Lemonade with the wellness add on and I absolutely love it. The customer service has been fantastic, if I ever had a question about anything I just email them and I get a timely answer. The app also makes things super easy and claims are a breeze. I am one of those people who will do all the tests and things that the vet recommends during my cats annual appointment and the wellness add on has helped a lot with that. With the recent annual he just had, I'm only paying like $60 more a year for the insurance plus what I had to pay at the vet vs if I had no insurance. AND I also get a pretty comprehensive illness and accident coverage along with that. $20 a month for all that, I tell everyone that I love Lemonade and I think it is very worth it.
Hi Audrey- I was just on the website trying to get a quote. Which wellness add ons did you choose?
@@sunnysom7663 when I started with lemonade there was only one preventative option, it's the middle option now, the one that doesn't include dental.
@@audreygroneck8026so you still like the insurance plan?
@@audreygroneck8026 would you say that now in 2023 it’s still a great reliable pet insurance?
@@vixiani I've kept with them and I still love it! My rate has gone up slightly over the years but not bad at all, maybe a few dollars a month with each new policy. I switched to paying annually though and it makes it a bit easier. I really enjoy the experience and the ease of everything, when I have made claims I believe it's gotten approved instantly each time. So I still recommend them absolutely.
I use Embrace for my dog and cats. I LOVE them. You have to get it as soon as possible and the rates are fantastic and you avoid any pre existing conditions. I waited a month too late for my one kitty and he has eosinophilic granuloma complex. He is allergic to everything and had to have an allergy vaccine formulated to help keep it manageable. It gets pretty expensive since its not covered due to being pre existing. As far as my dog goes its paid for itself 10x over. I highly recommend Embrace to everyone. The rates are low and they never give me a problem with claims, and I get reimbursed within a week and usually no longer than 2 weeks.
Hi, did you get reimbursed for the pre-existing condition?
Would appreciate if you reply!
@@murshadasultana3844 no pre existing will never be covered by any insurance
Thank you for a great review. Might be good to review the claim process/experience.
Yes! Let the vet submit the claim
What a informative video. I always wonder about pet insurance, It seems it might be worth it, or you might think of it like car insurance you
may or may not ever need it.
Wow strongly recommend y’all follow the link for the written review.. must have taken months to compile all that information! The Pro’s and Cons really helped. Thank you for doing all that work for us.
My top choices right now are Lemonade, Figo, Trupanion, and Pumpkin. Not sure which one i will pick but im leaning towards one that covers non preventative dental health issues incase my cats someday have dental issues. (Im aware that no insurance covers cleanings/preventative dental work.
I have used Pets Best for my dog and they have been great and I chose them because they have unlimited coverage and honestly weren't super expensive. I don't know how much it would be for a cat but I imagine it's less. Plus they give you a 24 hour vet service which has come in super helpful. My dog had a lot of medical issues this year, that sadly he wasn't able to overcome but the insurance helped so much with all his treatments, medicines and therapies, and they have a preventative care/wellness package too.
I would be careful with Trupanion. I just canceled due to billing issues when I have autopay with my bank. It would say that I am late on payment and to update my information but everything is correct. Just something that I got annoyed with.
I had a hard time finding positive user reviews for Trupanion.
Very helpful!
Embrace has been great for me and my 5 kitties!
How many percentage they reimburse for you? I have 4 kittens 3months old all brothers how much it will cost for me for those for 4
How much does it cost for 5? We have two that were feral that are 11 and two that were rescues that are almost 5 and a new kitten about 11 weeks old we found in a field when he was 5-6 weeks old alone and covered in flees. Really need a plan that helps us people out that have taken in many orphans.
@@dlane3529 - all depends on age of each pet and the level of deductibles you choose.
I went with Figo after this. Thanks Mallory
Hope it works out for you!
Thank you for the information. 💕
I’ve been using nationwide for over a year and it’s also a really good option 8)
I opted for this but quickly canceled. At a cheaper price, Healthy Paws offered 80% reimbursement instead of 70%, and an unlimited maximum. I can't remember Nationwide's for sure, but think it was $15K. Hard to imagine spending more than that in a year, but Healthy Paws just seemed better.
Great video ❤
I'm actually looking at SPOT pet insurance for my senior cat. Seems to check most of the boxes I need 🐱
Here We dont have none of those But here in Slovenia We have more and more pet insurance ♥️🐾😻Stay safe 😻
Thanks so much!
My cat just had a cancerous spot removed from the base of his tail. I was told he’s more likely to have it come back in another spot now. Is there any pet insurance out there now that would cover future spots if they were to happen? I really appreciate your informational videos! Thank you!
I’m surprised Trupanion wasn’t in your top 6. I love that they do Pre-Authorization and Direct Pay so you don’t have to pay the entire balance out of pocket, just the residual amount they don’t cover. They also include Behavioral Medicine, which is the number one reason cats are euthanized with not being able to afford veterinary care being the second.
I found that Trupanion tended to have higher rates than any of the other providers here, but you make great points. The pre-authorization and direct pay are big selling points.
@@AllAboutCatsYT True, I was surprised by how low the rates were of some of the other companies. I've worked at a specialty veterinary hospital for 14 years and have always loved the way Trupaion will commit to the estimates so the pet parents can start treatment immediately. Also, I've seen multiple clients with multiple pets make multiple claims without being cancelled, having their rates increased or having any cap on bills. And our bills are commonly over $20,000 for hospitalization for critical patients, oncology or emergency treatments. Trupanion even offers 1 month of free insurance after a vet visit. HOWEVER, I would MUCH rather see ANY insurance than just one particular one. It totally CRUSHES me every time an animal has to be euthanized just because the owners can't afford the medical treatments. We do have a foundation to help (very little but some is better than none) and that's how I've gotten all of my animals - most of which are cats because no one will spend money on cats. I can't tell you how many times I've heard people say, "Well, we can always get another free kitten..." AHHHHHH!!!!!!! I've become a HUGE cat advocate. I find people usually do not understand cat body language to even understand how affectionate and smart these animals truly are. Any way, long rant, but I was so happy to see you do this video. THANK YOU!!! I can't tell you how many people come in and don't even realize that pet insurance exists. But sadly, when they get to my hospital, it's too late to sign up for insurance because it's preexisting at that point. I wish EVERY day practice would offer pet insurance in their puppy and kitten packages.
@@aviondakoziarski495 I get you. I have two cats. My daughter has two cats. Love them. The free kitten is never free.
Have you used Trupanion as a consumer?
@@aviondakoziarski495 I was on the phone today with a Rep from Trupanion and they told me that the pets price is locked in forever. Meaning that as they get older, your monthly/yearly price will stay the same. Is it true that all the other carriers don't have this and raise your pets prices every year? I'm looking to enroll my three cats and I'm heavily leaning on Trupanion 🤔
i have a couple months old female himalayan kitten. I have an option between embrace and Healthy paws based on all my research. What do you think is better for overall coverage? Thank you!
I have been thinking about Bainfield Hospital’s OWP.
This would be a amazingly useful video but I don't live in the US and we only have pet plan here 😞
Thank you.
Getting a kitten soon and I've been doing research on this like crazy.
This is great 👍🏽 do you have a air purifier review ? I want something to improve the air with my cat.
Years ago, we bought a Blueair classic 605 series air purifier. It is relatively large so consider how much space you have to devote to an air purifier. The company Blueair makes various models that are of different sizes. The filters are costly but work well. The manufacturer recommends changing the filters every six months. Our house is a large open floorplan with a kitchen-great room area where we spend a lot of time, and so do the cats. Off of this part of the house is a half bath where the litter pan is located. Rarely would a visitor notice any litter pan odors. We had two Tonkinese that did not shed a lot, and they did not seem to have much dander. When you change the filters, it is surprising to see how much was trapped in the filters. This unit has run basically nonstop twenty-four hours a day, mostly in the middle setting for almost twenty years. We raised the cats from the age of four weeks. One lived to be sixteen, and the other passed just shy of nineteen years old. The air purifier still runs like new. The air purifier we have does accumulate cat hair, and the fan is enclosed for safety, so it can be a challenge to vacuum out all the cat hair at the time you are cleaning it when you change the filters. I figured out if I take the unit out on the driveway to clean it and use high-pressure air from a shop vac, a blower for drying off a car, or even a powerful leaf blower is often adequate to dislodge the cat hair you can't reach with a vacuum nozzle. Over the years, we have raised many litters of kittens in the great room area for a local rescue. Even with multiple litter pans and a house full of little poop machines, the purifier adequately seems to deal with it. My advice is to read the online reviews; there are many, decide how much you are willing to spend, the capacity/size of the unit that makes sense for your home, and your needs. Figure the cost of changing the filters at least every six months. Sometimes you can get them to go longer, but calculate that in your decision-making and evaluate how easy it is to clean and change the filters. Generally, the manufacturers have specifications of how much air their units filter, how large a space each model is designed for, and the size particles the unit is designed to filter out of the air. Another important thing to consider is how loud the unit will be if it is in a room that you spend a lot of time in or in a bedroom where some white noise might be okay for sleeping, but loud noise would be disruptive. Read reviews from people who have purchased units you are considering and see what, if any, negative experiences people have had. Better air purifiers are costly. You want to make sure you are confident that you are buying the best suits your needs.
I believe they just posted a video on this
@@basga63 Yew they did, there is a great deal of information on a variety of websites online, including consumer reports and other groups that test and rate consumer goods.
Pawp sounds like a great add on
I have a nationwide and yes it is expensive considering that my cat is nine years old but they are pretty good about paying the bills really quick with no hassle
I always had horrible experience with them
@@Kevin-Pdog really??? I honestly never ran into a problem with them but maybe I’ve just been lucky do you suggest any other company that is better for future reference?
@@perecrestok my cat is also 9 years old. I had two claims with nationwide but they asked me to ask the doctors send in the diagnosis notes. My family friends who used healthy paw and pumpkin didn’t have that issue even though we use the same vet.
@@Kevin-Pdog ohhhh good to know. So far I never had that issue and my kitty cat just had hyper active radiology procedure done. All I did is submit it invoices and within a week my check was sent back to me. And after that procedure she had two more follow-up appointments with bloodwork and I also just submitted the invoices. But it’s definitely good to know that can be an issue thank you so much for letting me know
As a woman w/disability, I'd rather have Meowdi-care Fur All, as I can get by using free county hospitals.
Have y’all heard anything about petsbest and/or healthy paws? If so, what do y’all think?
I was wondering if you could do a video on affordable products you would recommend I'm trying to upgrade what I'm using but am scared to switch to something just to realize it was a waste
That's always a concern, isn't it? I'll keep this idea in mind. Thanks!
Hey! I really appreciated your video. As an investor in Trupanion, I'm surprised I didn't see it in this video. What do you think about Trupanion? Also, fun fact: in the US, only about 2% of pet owners insure their pets, compared to 8% in the UK and 50% in Sweden! (numbers may or may not be slightly or entirely wrong hah)
It might be because most insurances are sneaky and don’t cover for “pre-existing-conditions”
@@Luna-sf7rn covering for pre-existing conditions would raise the price of the insurance to a point where the person with the condition would pay more than their out-of-pocket expenses anyway. Or if that's banned, all the other people who want to be insured will have to partially foot the bill with higher insurance for everyone.
But I doubt insurance companies can quantify the risk of subsequent insurance claims for people with one pre-existing disease or another. Predicting normal people and offering a competitive rate is hard already. It would be like shopping for low quality parts for a car without really knowing the odds of it breaking or not. The price is a wild guess
@@tuckercarlsonrules4972 Yeah, the system is just fucked. And they just said "fuck people who actually need the insurance". It's a scam.
@@tuckercarlsonrules4972 And the difference is, any remotely close to an emergency that has happened before to your pet will be considered a pre-existing condition, even diarrhea. It's ridiculous.
@@Luna-sf7rn Everything costs money. Insurance is to hedge future risk. Not to fix a broken car for cheap or at someone else's expense. It may sound harsh but that is simply how it is.
Can you please do a video on the best hairball treatments? Whether that’s through food, treats, paste, etc. In the last few months one of my cats has been throwing up about once a month 😪
Hi, Grace! I used to have a ragdoll (long haired) and now have a Russian Blue Mix who is double coated. I've always used Iam's hairball and indoor weight management dry food for their regular kibble. That's my go-to to help with hairballs.
Salmon oil, coconut oil, olive oil all work great. Most of the remedies sold in stores are full of mineral oil. Yuck.
Hi! Just spotted this question-so sorry I didn't reply earlier. That's a great request, and for now, you might appreciate our article on the best hairball remedies for cats: allaboutcats.com/best-hairball-remedy-for-cats
@@LuckyFerals Canned pumpkin is also great.
@@shannon2748 - I just started giving my rag doll, long hair, a tea spoon of canned pumpkin (no added sugar) mixed in his canned food once a day to prevent constipation. He has no problem with it at all.
The relief when I saw allaboutcats did a video on this. Fastest click ever.
Wow I’m Canadian and pet insurance is so different here. I have had my dog on it since she was born and it’s around $80 a month through Trupanion, that’s with a deductible of $250 and unlimited reimbursement. I’ve never heard of any conpanies up here less than $40-$50 per pet, $11 is wild!
Dogs are usually a lot more expensive to insure
@@juliac3933 true! I got a quote when I got my kitten though and it was still around $50-$60
@Whitney Blue I'm also in Canada and have Trupanion. It was expensive for my dog because he was 13 when I started insuring him but the premiums for my kittens was only about $23 each. Much less than what you were quoted. The thing I love about Trupanion is that for the entire time you have them insured, you pay the premium for the same age bracket as your pet was when you first insured them. So, when my cats are 15, I'll still be paying the kitten rate. Of course, it'll be higher than it is now but that'll be because of rising prices, not their age.
Do you personally use pet insurance and if so which one do you use?
Zaphod Beeblebrox oh man I haven’t read that book in so long
Thanks for the information, I was wondering what did you think ASPCA INSURANCE? ANY SUGGESTIONS. Thank you
Hi Lisa, I have not done much research on ASPCA insurance, so I can't comment on it. www.thetop10sites.com/pet-insurance/aspca-vs-lemonade
Looks like lemonade slightly beats out ASPCA. But who did you end up going with?
Will pet insurance get more expensive as time goes on? I want to insure my 3 month old kitten now but I'm just wondering if once she turns 10 the same insurance will want to eventually charge more?
Yes, generally. Insurance premiums go up as your cost of living increases, as your cat ages, and due to a number of other factors determined by the underwriter.
Couple of these companies state they serve US and Canada but the sites don't allow a Canadian postal code instead of zip code ! If you have to phone them for a quote, what else are they poor at ?
Yo, love ur channel I follow u on my other account anywho could we get a top 5 best cat litter mats ? From Amazon ?No pressure
It took 9 months, but we did it! czcams.com/video/wUUSsGKXpeE/video.html&
Hmmm. I recently signed up with Pawp, but am wondering if I should look into actual insurance. One of my cats is 10 y.o and the other is 9 y.o. I worry about the price because my female cat has triaditis and when she is hospitalized, it costs me thousands of dollars. I figured getting $3,000 from Pawp was better than nothing. 🤷🏻♀️
Pretty much all pet insurance will not cover pre existing conditions. If you are in the USA though look up the Care Credit card, it can be used at any health care for yourself and and most vets. Most vets do 6 months interest free above $200, some offer longer, but there are also low interest plans as well.
🙏🏼🙏🏼🙏🏼
I was thinking the same thing that perhaps stacking with Pawp would be a great alternative.
How do you not get overwhelmed with all this research? Feels like a lot
zaphod beeblebrox is my sisters cats name! lol this is just too good xD
xD
Who is zaphod in Reference to?
Pet insurance and vet fees just don’t make sense and it’s frustrating. I have Banfield wellness +plan for $60 a month with unlimited visits, free dental cleaning, and other free stuff. Every time I take my cat they show me all the stuff they did and how much it would’ve cost me. Regular fees would have been about $500 to $1000. My fees $0 to $100 extra. They always try to convince you for extended blood work, fee for an expert opinion, or extra X-rays. They make you feel like you saving $$$ with the wellness but try to nickel and dime you every time.
Vets should just be honest and truthful then we would not need pet insurance nor would we be reluctant to take our babies in for regular checkups. Seriously pets cost more than humans when it comes to wellness and sickness.
Your expereince is not what not what most good vets would be like. I personally would never use Banfield for many of the reasons you mentioned.
Excuse me, how about the healthy paws? Is this a nice pet insurance for old cat?
You can learn about it in our article on the best pet insurance for cats: allaboutcats.com/best-pet-insurance-for-cats
I'm surprised you don't mention Healthy Paws.
What is your experience with healthy paws?
I'm surprised HealthyPaws and Trupanion were not on the list. I feel like those are 2 very popular options for pet insurance.
Yeah, I got Trupanion because some vets have the program on their system so they cover the bill right then and there instead of doing reimbursement.
I got HealthyPaws.
I am disappointed that Lemonade does NOT offer dental care at all even with the additional $10 per month surcharge for preventive care. Pumpkin seems to have more comprehensive coverage for about the same premium. Am I wrong about this ? I am new at pet insurance.
What did you end up with? I'm considering Embrace or Pumpkin because it seems like they have the best dental option coverage because they cover gingivitis.
I went with Embrace, they have a USAA discount :)
@@MichelleW - Good to know, but what is USAA discount?
@@theresa94010 it's a discount that applies to military families
I have insurance for both of my cats and have used it.You never know what can happen. One of my cats got a tumor and needed surgery. It was a lifesaver. I feel locked in using them because my cat has developed a condition so if I switched it would be pre-existing with the new insurance( if that's how it works). Also, after trying to get some quotes the pricing is not that different ($5 or so for less coverage) so idk if it's worth the change. I use Pets Best.
How much are you paying for pets best and how many pets do you have?
THIS IS THE MOST IMPORTANT TOPIC TO COVER BEFORE ADOPTING A PET SO WHY ISN'T THIS EMPHASIZED MORE. I have spent over 3k now for my kitten. It is not fair. Alot of money out of pocket going to be homeless and may have to surrender my pets.
Surprised healthy paws was not on the list. Any reason why? Was originally going to move forward with them but now that
I see it wasn’t included in your list I’m concerned. Would love to know why it didn’t make the cut.
I think she is sponsored. She has a disclosure for affiliate links in the video description (likely why she selected these insurance plans and is not responding to these comments about healthy paws; I've seen several people ask)
Hi Diana, thanks for the comment. While I'm aware that it's a popular insurance company and have recommended it in the past, I didn't find that Healthy Paws offered a strong array of benefits over the other providers on this list in 2021. It's still a decent choice, but I couldn't find its edge over the others recommended here. This decision was not based on affiliate partnerships, though. @Nexium I'm sorry for not responding to every comment-I used to be proud to reply to every comment on the channel, but it's become more difficult as we've grown. :/
My recent experience with Fetch has been dismal. I didn't care for the salesperson so that should have been my first tipoff. I'm canceling that policy and going with another company because I didn't hear mentioned that the cats needed to have seen the vet 6 months prior or 3 months after enrollment. Not a word was said to me and I didn't receive an email to that effect either. Now I've got a $1,600 bill that they say is not covered grr
I just adopted my kitty. I'm looking for a goood pet insurance company I'm knew to owning a cat. The only issue she has is dental issues. Which insurance covers dental??
I also want to know which ones cover dental! Been wanting to take my ten cats for dental cleanings, considering paying $90 for a spay & neuter clinic to do it.. but since a few of them are getting "older" (around 9 years old) I'm really debating insurance for them...
Hi Tashanna, dental care is covered in virtually any preventative care package, but no one includes it as a regular part of an accident + illness policy.
i tried signing up my cat to lemonade, but for some reason his breed isn’t listed?? he is a purebred highlander lynx
Hmm, I'm not sure-you may need to contact Lemonade. They don't cover exotic pets, but I'm not 100% sure about their policy on "exotic" cat breeds.
My cat is 16 year old and I'm paying 150$ a month for FETCh insurance
20% -80%
What do you think about Healthy Paws Ins. along with Fetch Pet Ins. put together? I have both of them, do you think both are good together? How does Ins. put together work when something happens to my pets, which one do I use for what? Is having 2 Ins's more than I need ? I beleive I pay Healthy Paws like $28.00 and Fetch like $63 all togeter. What do you think? Let me know something Please so this way I can unsubscribe to one of them. Healthy Paws is unlimited payout and I forgot about Fetch at this moment.
Do remote veterinarians have the ability to submit a Rx if needed? also time frame (and method) of cost reimbursement would have been a nice topic to inform us about.
Hi Tech Man, that's a good question. Yes, some remote vets can write prescriptions if needed, but it depends on the condition. Some require in-person examination. I also appreciate the feedback on the video and will keep that in mind if this video is ever updated.
If i could afford to pay my vet up front then i don't need health insurance. Obviously, most of us need vet insurance because we dont have hundreds of dollars up-front costs.
Do pet insurance providers give a good plan even when a cat get older ?
Rates tend to increase, and companies disqualify senior or geriatric cats from getting new plans.
I just purchased Lemonade for my cat and he is 9! It is 45/month which is certainly more than for a kitten but less than what other providers offered. Some other plans were in the 70’s. But they all did offer coverage.
@@ashleyledbetter704do you still like lemonade?
I made the mistake of told my vet that my new cat had a slight diarrhea during the initial exam back in Jan 2024. 4 months later, Lemonade used that against me and wiggled their way out of reimbursement when my cat had another diarrhea + vomiting episode, probably from me switch food on her too fast. Lemonade does not accept the fact that diarrhea is only a symptom of variety of different illnesses or conditions. It's not a pre-existing condition. Pre-existing condition is cancer, genetic defects, kidney failures...etc. NOT DIARRHEA, but of course Lemonade knows that...or maybe they don't.
If my cat gets into the trash and eats spoiled meat, she will get diarrhea. Is that pre-existing condition? The claim adjuster "Christina" said the good news is that after one year of no diarrhea, the condition is considered CURED!!! Hey Lemonade, this is a good way to piss your customers off. Already complained to BBB, as soon as I find another insurance, I am kicking this Lemonade Stand to the curb.
YO I think y’all cussed out my cat😂he was chillen until the intro “MewO” immediately after he left like ran away
But thank you for vid!!
Oh no! Hope he's feeling more relaxed after that.
Truepanion is the best! Why is it not in top 6??! :)
I didn't care for Trupanion's per-condition deductible, and I couldn't find any case in which it might end up being a better deal than the competition.
The good thing about the per condition deductible with Trupanion, though, is that it isn't a yearly deductible. Once you pay the deductible limit for that condition, you never have to pay it again. At least, that's the case in Canada. It works well if you have a cat with an ongoing medical condition but not so much if your cat suffers from a bunch of different things. My elderly cat is on PetPlan and the $1000 deductible is reset every year. This is the first year that I've ever gotten reimbursed from them. I only keep the insurance because I don't want to be forced into euthanizing her when expensive medical treatment could keep her healthy and happy for longer.
Which one pet insurance pet for Europe area? Mostly US O_O
Hi there! I don't know much about the European pet insurance market, so you might want to get information from someone who knows more. I'd recommend looking for reviews of pet insurance providers in your country. Sorry I couldn't give a better reply.
No Trupanion? It's the best one out there hands down.
I have a question and I need a quick feed back I have a cat and I need to leave him home alone for 5 nights and I have a one week supply of food and water and I left him home alone 2 times once for 3 days and the other for 4 and everything went fine so can I leave him home alone for 5 nights with 1 week food supply and 1 week water supply btw he is 2 years old and he is a Turkish angora
And I’m really nervous I’ve been overthinking this sadly I have no one to look after him..
Please I need a reply by tomorrow it’s gonna be later
No. Get a cat sitter. Geez.
@@NationStyle he made it out alive 😂
@@NationStyle he is healthy nothing is wrong with him thank god
Help! I just took my cat in to the emergency room vet and ended up paying $900 for the basic blood tests ect. They couldn't find anything and gave me an estimate for over $4k for x-rays and ultrasounds. I can't afford this and now I'm sitting in my apartment with a sick cat. I'm tapped out.....what should I do??
I hate to ask, but what did you end up doing?
@@kurtreber9813 I found a vet way out in a country town who, after giving her an exam and looking at the previous testing, gave my cat a super shot of antibiotics. Total bill was $85. In a day she was noticeably better and after a week back to normal. She is still doing great! It was a real spot to be in and I was advised by many to let her go. Vets are way too expensive in the city, and I'll never go that route again. Vets have turned into a money-making scam here and they only care about money, not your pet.
what about Nationwide?
I wasn't really impressed by Nationwide-you can learn more about it in our review here: allaboutcats.com/best-pet-insurance-for-cats
I rescued 5 cats from the street and one dog and rescued from previous owners 2 other dogs- so we have 8 total . I can’t afford to pay pet insurance for all of them. What is the best strategy on this situation? Thank you very much. Oh by the way, I feed feral cats in my neighborhood and trap/ neuter and release when needed.
I have nothing to do with Trusted Pals in the way of payments for endorsement or employment, but I just have to say:
The best pet insurance, I think, is Trusted Pals because of their wellness portion of their insurance. After you pay your bill you'll get reimbursed $750 minus your deductible and they'll pay you 80% of that.
The thing about Trusted Pals is they don't have their wellness portion of their insurance broken down into what they'll pay (like all the other pet insurance companies) i.e. dental cleaning $150.00, vaccines $50, blood work $60, microchip $30, flea problem $40.00 etc. (these are just examples) AND you have to pay a monthly amount for this limited wellness plan that really isn't a wellness plan at all. It's a scam. Many people's pets don't need some of these because they're coming on board with their pet already microchipped, etc. and they have an indoor cat etc.
Trusted Pals wellness portion pays for the necessary annual wellness checkups, dental cleaning, blood tests, vaccines, microchip... whatever your vet deems necessary. It's not broken down into all these categories that they'll only pay for.
The bill for the wellness check of our cat was about 50% less and he got the necessary care he needed; dental cleaning, dental radiographs, anesthesia, blood work etc.
His maximum coverage is $8,000 annually and his monthly premium is for us a manageable $57 dollars monthly. ,It did go up a little bit from last year, but what else is new?
He was already microchipped from the shelter and he's an indoor cat. He never has a flea problem.
It's their wellness portion that is, to my way of thinking, pretty fair. That's the most important part. Annual checkups. There should be no barriers to this. Catching a disease or health problem early with blood work and exams is key.
Trusted Pals priorities regarding our cat's health care is in the right place.
So you're saying you like Trusted Pals even though their wellness plan is a scam? I'm confused
@@kurtreber9813 Hi. Shopping around I realized all the wellness plans were broken down into different categories and the amount they would pay. And their plans were about an additional amount of $12.00-$15.00/monthly...about. So unless you use every one or almost every one of those categories for your pet, you'll be losing money or just breaking even. I explained this above. Trusted Pals Wellness Plan is not broken down into separate categories. Maybe I shouldn't have used the word scam against other pet insurance, in that sense. I just got lazy that time with my thinking. It's out in the open to see so it's not a scam in that sense. BTW TP is taking no new policies. They'll be closing down soon or already did.
One thing really important. Most pet Insurance (and insurance generally I think) first subtract the deductible from the bill and take the percentage (80%, 90% or whatever) of that to yield the payout to the policy holder.
There's one pet insurance that does it the opposite, multiplying the percentage times the bill and then subtracting the deductible. Doing it this way, the payout is significantly less. This pet insurance company advertises all the additional perks they offer. But their calculation method is actually offsetting the additional costs of their "additional perks".
I guess a lot of people don't know any better and are not informed in this area of insurance. I called up some pet insurance actuaries and they said there's no legal requirements for these computations.
Take care...
I was interested until she said lemonade
How is this helpful? Why not explain why you made this comment so that you can be a help to the cat community rather than just throwing out vague negativity?
Can you elaborate on why?
Are any of them available in Canada?
Interestingly, Costco offers a pet insurance plan in Canada but not here in the states.
PetCare which is actually PETWATCH in the U.S. but DONT get this under Any circumstances,,I was with them here in Canada for 16!!! Years and boy did their service,,especially customer appreciation service go down the tubes,,,was paying 204.00 plus with a 150.00$ Canadian deductible,,,in order to get the price of my dogs steroids at ( the time anyway) ..48$,,UP to that 150.00 deductible,,I figured I should add it up slowly each time I bought his meds,,but no,,,you are supposed to send in the claim for the medication Each and every time you purchase or go to the vet,,,anyway,,I sent in 11 claim forms my poor vet had to fill them all out,,I figured if I sent in Over the deductible amount it would be smarter idea,,, so after 48.00 times 11 PETWATCH so kindly sent me a cheque of 7.04$ Canadian. I was so shocked and livid ,,I immediately called them up,,,I said I felt like no longer using them and they answered back. OK and hung up...I was left holding my phone calling out Hello.Hello?? You all tell me what’s wrong with this story and picture...
Up to this deductible amount I submitted 11 claim firms,,my poor vet having to fill them all out,,,because I thought it better to submit over that 150.00 deductible,,,my dogs meds were 48$ each time ( a few years ago)
So 48.00 times that many claim firms and yes I neglected to mail/fax in each claim every time I went to the vet,,,regardless I received the incredible amount of 7.04$ Canadian back,,I was livid,,called them right away
And told them,,I don’t even feel like being wuth you as an insurance company anymore,,,they said OK and hung up,,,16 years and I was truly,honestly treated like that,,left holding a beeping phone. Don’t USE them
Cat-astrophic expenses
One more thing. You check out all different reviews of the 5 or 10 best pet insurance companies and they all come up with different pet insurance companies in numerical order that are the best. So you don't know who to trust. It's all smoke and mirrors.
👍🏻
Does anyone think it’d be worth it to wait for pet insurance when my cat gets older? He just only turned 1, I feel like he won’t have that many problems until he’s older. Although I know accidents and emergencies can happen
It’s a toss up. If you have issues while young then you will have coverage. Once they get to certain age, they become uninsurable I believe. Lemonade rejected my 16 yo cat
@@markkimmerling4251 wow…
just so you know the older the cat the more you will pay. mine went up to 74 dollars for 2 cats 7 years old its was below 50 last year
It is definitely necessary to get insurance no matter how young and healthy they are. It’s really better to pay just few hundred dollars for a whole year than thousands or even more in a few years. I use petsbest insurance for only 28 dollars a month. It covers accidents and illnesses 100 bucks deductible 90% reimbursement. You can always get cheaper insurance with more deductible and less reimbursement. It’s just always better to have insurance.
To be honest, pet insurance is really cheap when they are young. I don’t understand why people are struggling to pay a few bucks in a month while they spend more on takeout food for once or twice.
My bill was 5K
Did you get insurance?
do you love animals?