Healthypaws is raising our premium to $35/month/cat, have had general cat insurance but almost nothing has been covered - their issues (cat herpes early on, recently anal gland stuff) is hardly covered or not at all. Looking at catastrophic/accident only insurance - is this worth? Do you have a company you like/hate less than all the other companies? Looked at PetsBest which is suspiciously inexpensive at $6/month vs aspcapetinsurance at $22/month for the same coverage. Any help is appreciated!

Hello everyone who sees this post. I’m a first time mom dog and need advice on some wellness plans for my 1 month old Labrador Retriever. I’ve done a lot of research on different wellness plans and pet insurance but feel so overwhelmed. I also don’t want to pick any wellness plans as I want to make sure I’m getting my moneys worth and the appropriate care for my puppy. I’ve only had him for 5 days so far and would give my life for him. I recently went to visit Banfield hospital that was inside of PetSmart at midtown crossing shopping center. The visit was free because my puppy was a new patient. I got him his first dosage of dewormer. The customer service was great and they were very attentive with my puppy. I arrived late to my appointment but they still saw him. I’ve read some reviews and other Reddit post about Banfield and they have been not so great. So I just want to get advice on whether or not the wellness early care plus plan is good for the first year of my puppy’s life and ONLY for the first year. It includes: -introductory comprehensive physical exam -graduation comprehensive physical exam -routinely recommended vaccinations -ear swab to help catch signs of parasites and disease (1x a year) -screening test for heartworm and tick-borne diseases -WISDOM PANEL health DNA test to screen for genetic diseases -fecal exam (3x a year) and routine deworming (4x a year) -virtual visits (2x a year) -pet wellness 1-1 session -unlimited office visits -neuter surgery, including preanesthetic blood testing with electrolyte panel and monitoring throughout the procedure and recovery This will be $78/monthly. Coming out to $936 for the year. Of course, for additional recommended vaccines and additional charges for medication and extra procedures not covered by the plan, I’m willing to pay out of pocket. I’ll be sure to get my puppy pet insurance as well but still looking. So far I’ve seen Spot, Figo (since I have a Costco membership), and lemonade. For now I’m thinking setting the coverage plan at its lowest so I pay no more than $20 a month. I know how it sounds, but I don’t want to pay so much for pet insurance right now as he’s still small. Once I see that he’s growing and being more of a menace, then I’ll change his plan to cover more so I won’t have to worry about paying so much out of pocket. What do you guys think about this? I need all the advice I can get on the Banfield plan and my idea on the pet insurance thing. Asking for all advice. Thank you for taking the time to read and respond to me. You don’t know how much I appreciate it.

Well, I guess im late to finding out my coverage dropped from 90% to 50% i had been doing claims due to my dog having multiple TPLO surgeries and find out ny nost recent one only got covered 50%. Pretty annoyed. My dog is 8 and already is through most of the surgeries but does have a neurological issue. Im looking to get a new policy somewhere and would love recommendations.

I adopted bonded pair of kittens and got them on pet insurance with trupanion at 8 weeks. They just turned two and trupanion has increased my premiums by 70 % in those two years. I understand they don’t raise the premiums based on pets age, but at this rate I won’t be able to afford to insure them until they get old. Looking at switching to lemonade - my one kitty has two minor claims and my boy has none. I realize her two claims will be pre-existing but they aren’t chronic issues. To the cat parents with lemonade- do you like it? Are you happy? I know I risk their premiums rising as well but at least I can afford more coverage with a smaller deductible to start. Would love your thoughts I want the best for my babies!! Thank you

I had a great experience with Nationwide for my previous dog, who had epilepsy and developed a lot of complications. We hit our plan’s annual limit halfway through the year, every year — and they paid out thousands without much hassle. Genuinely smooth process. So naturally, when I got my new puppy (Alfie), I went back to get a quote. But they quoted me over $200/month. I’m guessing it’s because of my history of high claims, even though this is a totally new dog and policy. I ended up going with Lemonade (for wellness/preventative) and Trupanion (for emergencies/accidents), and I’m paying less than $100 total per month. Just wanted to share in case others are running into similar pricing surprises with Nationwide. Happy to answer questions about my setup!

Looking for updated info — my pet’s annual dental cleaning usually runs **$900–$1,200** (under anesthesia, with X-rays). **Nationwide’s wellness plan used to reimburse for it**, but I just found out that plan is **being discontinued** or no longer offers the same benefit. Most "wellness add-ons" I’ve looked at (like Figo, Spot, etc.) only reimburse **$75 or less** for dental cleanings, which barely makes a dent in the total cost. Has anyone found **a provider that actually covers full dental cleanings** under wellness or medical plans? Either as part of a **preventive package** or through **major dental** coverage?

Anyone received their renewal, I have a 45% renewal on my policy, it’s ridiculous.

I signed up for MetLife insurance and literally the next day my cat ate a rubber baby toy causing a blockage in his stomach. The policy had no waiting period for injuries but a 14 day waiting period for "illlness." An emergency surgery/hospitalization later, now Metlife is denying my claim saying that ingestion of a foreign body constitutes an illness not an injury so it was not covered. I got my vet to write a note saying it was clearly an injury not an illness, and wrote an entire appeal....only to have it denied for the exact same reason. Anyone have a similar experience? Also has anyone utilized the part of the policy where you can appeal an appeal to a third party neutral vet? It says I would have to pay for it but I am wondering if anyone has even had success doing that?