Can I have two pet insurance policies for my dog? I’m curious about Lemonade, Nationwide, Embrace, or Fetch. Which one is the best? I have an almost 6-year-old English Bulldog who’s generally healthy, but he does have some allergies. We’ve been with Fetch since he was a puppy, and the monthly premium has skyrocketed from $35 to $119, and it’s going to $154 soon.
He hasn’t had major issues aside from regular vet visits and a few extra trips for hot spots related to allergies. It feels like we’re losing money since the insurance is mostly for emergencies. Plus, the max payout is only $5,000 a year with a $250 deductible, which isn’t much when considering the cost of surgeries.
We’re looking for new insurance with a max payout over $10,000 and similar benefits, ideally around $100 a month. I’m wondering about the other three options and if anyone has experience with them. Is it hard to switch insurance?
If you change insurance companies, they might dig into your dog’s history to deny claims. For instance, if they find something like a little tartar noted in an exam, they could deny future dental claims.
Yes, your vet can provide all your dog’s records. Any previous treatments can be classified as pre-existing conditions, which might not be covered. It’s usually best to insure your dog when they’re a puppy after their first vet visit.
I’ve heard people say negative things about Nationwide, so I would avoid them. I just signed up with Healthy Paws based on a recommendation from a friend who fosters dogs. It’s $38 a month with a $250 deductible and 80% coverage, but I haven’t had to file a claim yet.
Yeah, I’ve seen similar comments. It’s really a gamble, and I hope I never need to use the insurance. I just adopted a Shar Pei x Frenchie, so I figured if I’m going to get insurance for a puppy, it’s best to do it now.
I’ve had Embrace for my rescue Doberman for about four years. She was just over a year old when I got her insured. The plan has a $15,000 max, a $500 deductible, and covers 90%. It started at $64 a month, and it’s going up to $84 soon. So far, it hasn’t been bad, but I know the rates will increase as she ages. A few months ago, she tore her CCL and needed surgery. I submitted the claim for over $5,000, and Embrace paid me within two weeks with no hassle. I also like how they calculate the 90% based on the total costs before deducting the deductible, which gives a higher payout. Hope this helps.