Most Expensive and Cheapest PET Insurance

Hi Everyone! My name is Dan, and I am a veterinarian. I talk a lot about pet insurance for your dog or cat, but today I took it a step farther. I got seven quotes for pet insurance for my make believe dog. I go over the most expensive and cheapest pet insurance options.
For my pet insurance quotes I settled on a 250 dollar deductible, 90% reimbursement, and mx 10k coverage by the pet insurance company. My goal is to figure out what the premiums looks like per per insurance company.
Trupanion was the most expensive option. Trupanion does have no maximum pay out. Trupanion also covers conditions or illness per deductible which is a little different than the other pet insurance companies.
The ASPCA was the second most expensive. The ASPCA has great coverage for pet insurance.
Embrace is the next most expensive. Embrace is rated number one pet insurance provider by Forbes.
Pumpkin is the next option on our list. United States Fire Insurance Company is the underwriter for Pumpkin pet insurance.
Figo is number three on premium pricing. Figo has paid out almost 80 million in veterinary bills. That is a lot of dogs and cats getting veterinary care.
Pets Best comes in second with regards to pricing. Pets Best is under written by American Pet Insurance Company.
The winner of the lowest premium price is Lemonade! With Lemonade you can get covered in seconds and claims approved in minutes according to the website.
Always talk with your vet about starting any new pet insurance. Always get your veterinarian recommendation. Most of these pet insurances have options to add on office visit coverage or even get preventive care covered!
Disclaimer: Always talk with your veterinarian before starting pet insurance. This video does not replaced veterinary care.
#petinsurance #lemonade

[@ZBatt1]

I need you to go into more detail explaining the options and what they mean. I hear a lot of people get screwed by pet insurance

[@nolimitdaniell]

Chewy by lemonade pet insurance seems good from all of the ones I’ve seen

[@wotan10950]

Just go online and read each company's pitch. They're very specific. Be prepared to do a lot of reading yourself.

[@Ratsamyo]

Yes and I got screwed from Pumpkin Pet Insurance. I was supposed to get back $150 back for my reimbursement but Kimberly Lohry only want to give me $8. And my cat have UTI. So if you are smart don’t even waste your time giving money to corruptive Pumpkin Pet Insurance. Unless you don’t mind given them your free money or donate your money to them for free to the SCAMMERS. Then that’s your choice and do what’s makes you happy but don’t become a victim like myself….Aloha!

[@austincaufield6425]

@@Ratsamyo same. Had a $1200.00 vet bill they paid $28.00 for two shots which we paid extra for. My deductible is $500.00 but rest was denied. I pay $130.00 a month.

[@Runitin24_7]

Have any of you found a good insurance as of right now ? I need help choosing the right one . This is my first puppy and I have no idea what insurance to go with .

[@senderoverland]

Looking into getting my first puppy soon! This helped a bunch thanks!

[@DanTheVeterinarian]

Thanks for watching! Best of luck finding a new puppy. How exciting!

[@Melanie-357]

Very helpful . Thanks so much.

[@DanTheVeterinarian]

Of course! Thanks for watching!

[@eythora_24]

So my best bet is to call my vet and communicate with them to see which insurance they can accept depending on my dog. Do I talk on the phone to the receptionist or to my vet doctor? All the plans you showed us…. Is there any catch? Any tricks I need to know Is that really what I’m basically paying for example 70 per month So $70 per month for pet insurance covers a lot of things such as vet visits, appointments and vaccines surgery etc….??

[@alexandriagriffin4448]

Thank you!

[@DanTheVeterinarian]

Yep! Thanks for watching!

[@leongsim]

Hi Dan, I know this video is 8 months old but just wondering if you've heard about ManyPets insurance, what are you thoughts, and if there's anything I should look out for (policy/coverage) when choosing a pet insurance? Many thanks!

[@DanTheVeterinarian]

Hey! I will look into it. Not familiar with it. Do you like it?

[@leongsim]

Just signed up for it but not sure if I made the right choice.

[@sapphire_pear4979]

Hi Dr.Dan thank you for awesome information. I am looking for the insurance that have unlimited payout and have options to add on wellness care, exam fee, office visits, etc. I am planning to bring my golden doodle puppy soon. Could you please help me pick the insurance for him ? I budget is about 200 to max 250 a month. Thank you .

[@griseldaalvarez7088]

Hi Dr, what do you think about Nationwide? Do you think a wellness package is worth to add?

[@bethtorres5278]

Nationwide just canceled 100k pet insurance policies out of no where, just a heads up.

[@Blanco_SubieForester]

Hey Dr. Dan I have a 3 month old Boston so im thinking of getting the (Lemonade Accident & Illness coverage) = $853 paid in full Covering 70% with a $250 deductible and a Max $10K or $73 a month or Wouldn’t it be cheaper just to pay outta pocket for all the vaccines and checkups instead on having the insurance?

[@DanTheVeterinarian]

Thanks for writing me! Accident and illness will not cover vaccines and checkups...that will be out of pocket. I feel like your premium is high, does that include preventive care?

[@Blanco_SubieForester]

@@DanTheVeterinarian yes it has preventive, he’s a puppy and i do want to get him neutered , with out preventive is $500 insurance i do have $$1000 saved just for the puppy so i figured out of pocket would be better route

[@shannonkirk9229]

I have Lemonade for my cat- I love it. It’s $100 deductible yearly.

[@britnoble8o2]

I brought my puppy to the ER the other day…. she was fine, but they did every test from parvo to X-rays & blood. it COST A THOUSAND DOLLARS! I still have to pay my dad back for it even though he’s the one who bought the dog 🙄 I brought her in because her respirations were 68 per 30 seconds 😨 I was super scared!

[@DanTheVeterinarian]

The vet ER is crazy expensive! I hope your puppy is doing better.

[@wotan10950]

Thanks for the information! I asked my vet practice who they recommend, but they were noncommittal. I eventually chose Pets Best. But I didn’t select their most comprehensive coverage for the following reasons. 1. I can afford regular veterinary visits/care. I don’t think they’re overly expensive (for me anyway; I’m sure many others aren’t in my financial position). So I’m not going to pay monthly premiums simply to cover a regular annual expense. 2. I didn’t choose unlimited coverage. I think I capped it at $5000. Why? Because anything above that is probably so catastrophic that the animal is probably suffering, and needs end of life treatment. 3. I chose 80% coverage, again because the cost analysis between the monthly premium and the reimbursement didn’t bear out the additional expense. 4. As you know, I’ve lost three dogs to hemangiosarcoma, although I don’t know why. I don’t use fertilizer or any chemicals around my house. My adult children were once toddlers, and I sure wasn’t going to expose them so I could have a perfect lawn! Anyway, the hemangio care cost several thousand each, including euthanasia, private cremation, etc. The insurance would’ve been very helpful to defray those costs, but for routine blood work or poop analysis, it isn’t necessary.

[@DanTheVeterinarian]

Thanks Dave! This is great stuff. Thank you so much for sharing.

[@erikkaelsbury8986]

So I have unlimited for my Oliver from pets best. My Ellie just died in December. She had Addisons disease. She never suffered but her treatment and her meds and labs were horribly expensive. Everyone who treated her couldn’t believe how she just trucked on and kept fighting. So you putting a monetary value on your pets life is sad. Ellie didn’t have insurance and I kept her going until she told me it was time. There is no monetary cap on my dogs’ lives

[@brazapride]

Should’ve chosen the unlimited.

[@nuggyfresh6430]

You could not be any more wrong about 5k+ being end of life LOL 5k is a relatively minor surgery and inpatient recovery afterwards. You are underestimating the cost of pet care by unbelievable amounts.

[@wotan10950]

That's ok. I don't like when people put words in my mouth -- I'm just as devoted to my dogs as anyone. If the bill is higher than $5K, and there's a good chance that they will have perhaps a year of quality life, I'll pay out of pocket. I have a lot money, peons! I don't like the idea of selfishly paying thousands to prolong an animal's suffering. So do whatever you want: DILLIGAS (hint: Do I Look Like I Give..........)

[@iward940]

Great video. Avoid Fetch like foxtails.

[@DanTheVeterinarian]

Thanks! I like the foxtail humor.

[@Reanmii_the_great]

Thank you! I just got a 3 month old toy poodle and I want insurance but didn’t know what to choose.

[@DanTheVeterinarian]

Congrats on the new puppy!!

[@erikkaelsbury8986]

I have had no issue with pets best. They are a very reasonably priced pet insurance.

[@inchick3]

Which pet insurance did you select? I have a 3month old toy poodle too. Vet offers wellness care plan for a year it cost $525. I just paid for this today but I dont know much about pet insurance. If I sign up for pet insurance, will I get reimbursed for what I paid at the vet?

[@kidnappinghoward3853]

​@@inchick3essentially, yeah I believe.

[@jjmendez7373]

@@inchick3no that I know, they’ll pay if you are signed up already. But you can try good luck!

[@shannonkirk9229]

Lemonade is the best! They cover 80% of my cat’s claims.

[@DanTheVeterinarian]

That’s Amazing!!!! Thanks for sharing!

[@bangbangninergang5133]

Do u mind sharing ur policy

[@daydreamer1952ful]

Do they cover office visits ?

[@annacarolinaizidoro3122]

What about health paw?

[@DanTheVeterinarian]

I dont see them too often in the pet hospital; however, I will make a video. Thanks for sharing!

[@MK-jn9uu]

I could’ve done that without a vet license

[@DanTheVeterinarian]

Yep! You can do this too.

[@frosty9139]

I'm looking at AKC and it's pricey

[@DanTheVeterinarian]

Did you find an insurance you like?

[@zhongbot]

How many timeth can I expect to visit the offith for my peths?

[@bradenm3]

Thith ith a very interething quethstion

[@mostnvdyme]

I’ve never seen someone comment with a lisp

[@veganconservative1109]

Wow. 😳 Cost is what I pay with employer for myself. Afraid these abandoned cats are on their own, medically speaking. I'll feed them (includes sales tax unlike human food), give them comfy beds and grooming, but that insurance is beyond me. Can't even claim them as a tax deductible. 😥 Thanks for the head's up.

[@DanTheVeterinarian]

You are welcome. Thanks for taking care of the kitties. 🙂

[@WannaKnowDetails]

Fairly useless information. The devil is in the details, and you go into none.

[@bethtorres5278]

Only pricing, nothing on what each one covers or what the deductibles are or how they pay out.

[@magnumpi28]

Pet insurance tries to wiggle out of any claims. Run!

[@DanTheVeterinarian]

Sorry you had a bad experience.

[@magnumpi28]

@@DanTheVeterinarian Its more than that almost down right deception.Let me give you some examples. Let say you take your two year old dog to the vet and you say your dog doesnt run quite as fast as when he was one year old and teh vet says could just be a little arthritis. Then 10 years later when he is 12 years old he gets arthritis and needs treatment. The insurance will see a statement by your vet 10 years ago and say its a pre-exsisting condition. Then the ones that say we will cover pre-exsisting condtions if its been more than 6 months has a clause taht says that doesnt apply to incurable diseases so they still would deny your claim. Same way if your dog sneezes in teh vet office and it develops allergies later in life they would probably say the sneeze was allergey and deny cliam. Second, the appeals process with insurers like Spot.ASPCA and Pumpkin and others has an appeal process but guess who decided the appeal? The insurance company! They do not have a independent review! So lets say you was convicted of a crime of speeding by a cop, you went to court to fight it and instead of a judge another cop said they would rule who was right or wrong!...lol Ps, They also have a LONG cliams time so if your dog needed a lot of treatent in a short of amount of Time you are in big trouble if you dont have a pile of cash or credit