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The Ultimate Guide To Pet Insurance (2024 Edition)

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Half of these insurances are trash Reimbursement? If I can't come OOP without insurance what makes you think I can do it WITH insurance? I work in the insurance industry and I can tell you house, auto, animal, health, only a handful of companies are actually moral Literally a handful
Comment from : @ga6013

You look online Trupanion has a lot of bad reviews
Comment from : @rosemarythyme8595

Why Does it cost $8000 to do surgery on a small animal?
Comment from : @rosemarythyme8595

my issue is which coverage and deductible to get my cat is healthy right now, so im not too worried, but still
Comment from : @aggu5477

Trupanion is a joke They treat each unique issue as its own deductible meaning you can have 10 visits in the year let’s say for 10 different issues and each one you must pay the deductible on They end up paying almost nothing I’ve had for a year or two and finally dumping them
Comment from : @EricFDrums

Thank You for the insight on pet insurance!!!
Comment from : @davidhoward2495

Spot Pet Insurance took less than 2 weeks for reimbursement for my cat
Comment from : @CapricornDayz

We need the same argument for pre-existing conditions to be covered for humans to be used for pets Who can do that?
Comment from : @CapricornDayz

My cat has a pre existing condition so i won't be purchasing the pet insurance I take care of my cat at home with fluid treatments for kidney illness Her Vet is very reasonable with his fees
Comment from : @JayD-t1b

Not liking the trustpilot reveiws for trupanion
Comment from : @joseesparza9415

Well said
Comment from : @mjm1535

Nationwide just sent me a letter notifying that they will not be renewing my policies for both my chinchilla and my cat, even though I've been with them for over 5 years, and barely any claims made They told me I have to sign back up, and any illness/condition that occurred WHILE I was covered under the old plan, would now be considered pre-existing! This seems illegal - they are making me sign up as a brand new customer!!! 😡 Stay far away from Nationwide!
Comment from : @TheCardmaker2317

Reading the comments made it so clear to me how these companies make money - our obsession with keeping animals alive beyond what nature had in for them
Comment from : @AnotherMartinez

DO NOT get TRupanion, I’m cancelling mine because now starting September this year, have my Boston 2 years in Vancouver here They are uping my monthly payment now almost 50 dollars a month First was I think 13 dollars a month second year, now starting third year 23 dollars, just said in my area was an increase of some incidences Promised not to raise premiums IF my pet had problems My pet doesn’t have problems but other Bostons have problems in the area, it’s a scam!
Comment from : @andrejoseph5833

Has anyone dealt with embrace? How are they, if you have had them in the past, Thanks
Comment from : @ERG85

This shit gave me a monthly payment of almost $500 I can't afford that shit Maybe $500 a year I don't even have medical insurance but you expect me to shill out $500 a month for my dog Wtf! Naw! 😂
Comment from : @HighImBlazed

Would definitely not go for Trupanion I enrolled my less than month old Aussie with them for around $51 a month and just recently received a letter saying that we will now be paying $116 a month because "vet costs in your area increased" This change occured exactly 1 year after the enrollment date I contacted them about this and they could not give me 1 statistic that explained why my payment doubled and were very quick to send me the cancelation links once they noticed I was not very happy with the conversations Would not recommend them ever
Comment from : @NeonWiz

Remember veterinarians make money of insurance companies Don’t trust you at all g I remember they tried so hard to sell me pet insurance so badly They were upset when I said no Just my opinion Don’t take this comment seriously
Comment from : @captalex1

I appreciated the video and information, I wish you would have mentioned a few other companies like a runner up or something Also, you dont need to do the zoom in and out so much, a little goes a long way lol
Comment from : @Max_Maximus_69

Second favorite? lol I just wish Trupanion was cheaper
Comment from : @Properdoseofinsanity94

Great vid!
Comment from : @kaylabasquez2448

Nice add for Trupanion
Comment from : @rplieth

I've wondered if it is worth it I don't think it is with how old my pets are now, but I might consider it if I get a puppy or kitten I think the HYS is really good advice though for anyone who maybe is "too late" to get insurance I've generally been lucky with my pets and they have been healthy My Greyhound is a little accident prone but it hasn't cost too much, just laceration care and wound treatment But if he broke something I'd be in trouble It's certainly something you need to think about As much as I love my pets, I'm maxing out at 5k and beyond that I'll have to consider euthanasia It's a balance Having pets ultimately is a luxury but at the same time, they can be an essential piece to someone's mental health and well-being and being poor is a shitty excuse to say someone shouldn't have good things in their life Maybe pet insurance can change that for some people, but also feel cautious about the idea of insurance since so often it is a systemically enforced scam that can contribute to artificially raised prices
Comment from : @Hi_Im_Akward

The issue of how pets’ behavioral care is covered is important and I should have looked into it more when choosing a policy for my miniature spitz From the research I was able to do, I figured getting a “primitive” breed would reduce risks of genetic conditions during his life, but he’s coming with harder behavioral stuff 🥺
Comment from : @alexroselle

My dog is turning 5 no pre existing conditions is it worth it to get insurance I just get worried in case something happens
Comment from : @josieshepherd2483

If they get a vaccine injury do insurances cover for that situation
Comment from : @Letstalkaboutitnick

Unlimited coverages are important for special dogs like Champion breeds or show dogs Young dogs require 5k coverages, rarely humans have medical bills over 5k, do not over insure This is a sales gimmick
Comment from : @pcrealty

trupanion cost over $17500 dollars a month ! with the way the economy is that is STEEP ! i am retired i cant afford to ditch out all that
Comment from : @pascalsavin8605

You sound like a insurance agent What percentage do you get for each insurance? I know human doctors are expected to sell insurance to get a certain percentage
Comment from : @DodgerBlue909

Thanks for the good advice
Comment from : @jacquelynwelch6582

Trupanion Thank you so much for this information Great video
Comment from : @jillyoung1282

The CEO of Trupanion earned one billion dollars in profits - outrageous
Comment from : @pcrealty

Trupanion pet insurance is very expensive
Comment from : @pcrealty

Nothing bout cats or fish or birds
Comment from : @cloboe0w0

Got my corgi inscured at 3 months when we bought her Her name is Sushi!
Comment from : @tiochile9257

Good job thanks
Comment from : @Watchingyou7296

My dog has a pre existing condition with her teeth Based on the video the pet insurance wouldn’t cover it Even if by some miracle it did cover it, I do not have the cash to pay out of pocket and file a claim I feel like I’m out of options and my dog is showing signs of pain What do I do???
Comment from : @CapitolPilot

I just got my golden retriever 35yrs insurance, she’s a home, office and hunting dog We’ve had at least 2k in accidents that just come with an active dog, I’ll check back in a couple years and let y’all know if it’s worth it, but for $40/month, and knowing without insurance I’d pay whatever it took till bad days outweigh the good, I think it’s a good prepayment plan I’d spend $40 on worse things each month anyways lol
Comment from : @hbbremton870

I doubt you'll see this before I make a decision I have a 12 week old Yorkie I am on a fixed income I was thinking insurance would be a great idea If she shallows somethingI could never pay thousands in an emergency Given that I am on a fixed income, what do you think about wellness care?
Comment from : @tomboard1

Glad to see you posting again I put pet insurance on my dog when he was a puppy until he passed at 12 He developed IVDD and because of the insurance he was able to have several years with good treatment and rehab
Comment from : @pandachance1

I didn't want to pay your copay so I hit the "like" button 🤣 Another great video! 👍
Comment from : @anpanmomdesu

I wish I’d seen this a few years ago, but it probably would not have changed my situation Considered getting it the year my dog got “sick” Was not even doing wellness plans at the time because the cost was less than what I was spending Her case is very unique and I’m guessing they would have likely considered everything pre-existing I’m still not convinced it would have covered enough to make it worth it, but yes, thousands of dollars but she’s here 4 years later MRI, cardiac workups, kidney issues, sooo many labs… has quarterly checkup with Ohio State Neuro this coming week brI had heard that pet insurance had annual contracts and that what wasn’t pre-existing became pre-existing the following year The comments here seem to contradict that so I will look into it more closely if I ever get another dog!brLove your channel as Vet Neuro is near and dear to my heart! ❤️❤️❤️❤️
Comment from : @amykarnehm3602

for the spine issue i would use a chiropractor before i let a vetbrever do surgery no recovery time and safe
Comment from : @barbsbichons

I have one of your favorite breeds, ol' smush face, but I have insurance on her and the GSD Got Wellness too simply for budgeting ease Pets Best and FurSure Will be switching to FurSure when available in Florida as they have a plan like Trupanion PS always love the brother jabs😂
Comment from : @crystalkarlson5491

My dog has had over $60k paid out by Trupanion in 9 years, all for chronic conditions Thanks to pet insurance he has a neurologist (idiopathic epilepsy), dermatologist (atopy, food allergies, and erythema multiforme), and a cardiologist (eccentric cardiomegaly and MMVD) Add in bicipital tenosynovitis and his physiotherapist and he’s the only dog I know with 4 specialists None of his care would be possible without insurance
Comment from : @Carol-qe2su

The other thing insurance doesn't cover is dental care I've looked into insurance for my indoor-only cats and I just can't make it make sense Dogs or any animals that go outside, it makes a lot more sense I agree with self-insuring if you can put away the "premium" into a high yield savings account every month (auto-withdrawal from your paycheck if you can) I'm not ever going to spend $10000 on my cat though She's going to kitty heaven if her one-time treatment would cost that much I'm sure I've spent $5k on her teeth, but that's over 11 years
Comment from : @emilythechef

Any word on Embrace or Pets Best?
Comment from : @blissfuljoy6049

I don't know if you edit your own videos but the graphics and editing on this were great! I caught how you called out your brother like that lol great info!
Comment from : @AlienKissy

I got Trupanion the same day I adopted a 4 year old chihuahua mix I also got the behavioral rider She developed IBD and severe anxiety within months She had to have an EGD with biopsies She has a heart murmur too I pay more for her insurance than I do my own but it has been a real life saver Be aware, Trupanion doesn’t pay for exams or routine care like dentals If someone is considering Trupanion, be aware that there is no yearly deductible to meet So I would recommend a higher deductible because after that initial cost it pays 90 forever
Comment from : @zanniesmom

I got it right away with my dog My dad thought I was a fool and that it is a scam, that I should just save money instead After my dog developed epilepsy in a year after I got her with her meds, the initial emergency visit, blood tests, etc? SO WORTH IT My dad even admitted it was a good idea
Comment from : @KayLoo202