Pet Insurance 👉 Is it REALLY worth it?? 🤔 Here's the sad truth...

[@RachelFusaro]

Sending a new email soon with some fun updates! Join here: www.rachelfusaro.com/contactme Also… THANK YOU FOR 200K!!! We did it. I’m truly amazed by your kindness. Thank you 🙏

[@f1_swiftie]

[@ferpz968]

hope your cat is doing fine at the moment

[@Jordan-W]

You make some very valid points, but in my opinion you really should make it clear at the beginning that this video is a paid promotion by the company your you are recommending. It is a bit deceptive starting the video saying this is your honest and truthful opinion, without also disclosing your getting paid for it.

[@Amoses3]

My thoughts exactly.

[@jaretprahl6182]

this is why i read the comments as soon as the video starts, TYSM!

[@barriuso7]

Exactly!! Pet Insurance does not make sense you get reimbursed so you still need the funds upfront. Better going with Care credit when needed. BTW how much did you get paid for your ‘honest” opinion.

[@silahcee3597]

Especially one as expensive as that one 😅

[@reighanrosette]

My heart broke when i couldnt afford a life saving surgery for my cat... it came out of nowhere and she was young.. i never would have imagined going through that.. i failed her and never forgave myself. I wont get another pet unless i get pet insurance, EVER. Please listen to her 💔

[@jdh127876]

You did not fail her.

[@MariaFernanda-zd6ex]

i’m so sorry love, it wasn’t your fault, get another one and let it help this pain heal 🤍

[@ScottB0107]

My wife and I were in the same situation. We recently had to say goodbye to our Little Girl. 8 years old, unexpected serious condition. No clue what happened. Pet insurance never crossed my mind. I wish it would have. I would of went bankrupt to see if she could of been saved. I miss my Little Girl so damn much. Our next girl, I will definitely be getting pet insurance right away!

[@viperblackjewel3915]

You still need to pay upfront and wait MONTHS for them to decide to reimburse you or not.. So sorry for your lose but you not getting insurance didn't kill your pet. Don't beat yourself up

[@marissaward2661]

I was so worried that you were gonna preach not having pet insurance lol, getting pet insurance was the best decision I ever made for my puppies! It is so nice to not have to worry about having thousands sitting around just in case of an emergency! Before I realized it was necessary my little heeler broke his leg and we paid an insane amount for them to just be like "🤷🏻‍♀️ give him meds and keep him in his kennel"!

[@dannyyoung8061]

What insurance do you have ?

[@magnumpi28]

@@dannyyoung8061 Pet insurance is a scam, Run!

[@viperblackjewel3915]

Every pet insurance available to me you have to pay up front anyways...and wait MONTHS for them to reimburse you

[@KrystalessR]

I disagree that pet insurance is useful, at least for most dogs. For one, if you get your dog on insurance at an older age (past like a year or two) those companies will dig through that dog's medical records attempting to find proof that what you are asking them to cover is pre-existing. Even if it isn't pre-existing, if they can find some way to make it seem it is they'll do it. Let's say you get your dog on insurance as a puppy so that there aren't medical records for them to dig through. Let's say you have 2 dogs and it starts out at say $20 per month, then every year it goes up $5 per pet per month (of course if you utilize the insurance, just like car insurance, your premiums will go up even higher even faster, so $5 is conservative). If your dogs live to be 10 years old that's around $13,000 you've given this insurance company. Even then, the more claims you make as your dog gets older the more the company will likely still start requesting "more medical records" even if they have all the records that exist. They want to deny your claim, insurance is rarely your friend. I think the better decision is to build your credit score, get the lowest fixed interest rate credit card you can find and save it for vet care. In the meantime, while they're younger and you're not likely needing much more than annual visits, start an emergency fund just for the pets. I would bet that would get you ahead in 99% of situations versus blinding paying for pet insurance.

[@Janna.M]

Thank you for this reassuring video! We got pet insurance for our 12 week old puppy and some people in our lives have been skeptical about it but I’m confident now we made the right decision. 💛 Small cost to pay for the peace of mind it provides.

[@RachelFusaro]

Thank YOU for going with your gut for your pup. Hopefully, you’ll never need it. That would be best case. But if you do, the last thing you’ll be worried about is the cost 🙏

[@magnumpi28]

You going to pee your britches when your rates go up drastically.

[@SaraMarotto]

My 5 year old dog suddenly became very listless and was having trouble breathing. Took her to the Emergency Vet and after testing found she had cancer that had metastasized to her lung. Rather than put her through two horrific surgeries, chemotherapy and radiation, we let her go. The cost for diagnosis, oxygen, pain meds, X-ray and ultrasound came to around $7,500. Thank goodness we had pet insurance.

[@johnwilkes8847]

My dog kept ending up in the vet so I finally decided to get him insurance 3 years ago. Since then he's only needed rountine check-ups and vaccines lol. Oh well, it's nice having the peace of mind

[@sequoiac6223]

The best thing is when you don’t actually need insurance. That means things are going well:)

[@RachelFusaro]

The peace of mind is worth every penny to me! Pet insurance paid for itself in my lab’s first few years of life bc he was sick often & injured his elbow in agility class 😔 he’s fine now, but that was when I was super sold on it (this was 11 years ago!)

[@RachelFusaro]

@@sequoiac6223 what a wonderful perspective ✨

[@richardeckard3825]

What does it cover? Ever pet visit?

[@johnwilkes8847]

@@richardeckard3825 It depends. They usually provide you with a pamphlet showing everything that they'll cover. Usually exclusions include elective surgeries or holistic treatments, or treatments for things like dog fighting, or from habitual behaviors IE your dog always breaks teeth bc they always chew on rocks. My plan does not cover normal check ups or vaccines. It does cover unexpected vet visits due to injury/illness, etc. My plan is setup so I pay the first $200 (deductible) and then they cover 90% of all expenses after that. I was able to choose what deductible and how much I wanted them to cover after the deductible. There is a wellness plan you can add on, I honestly dont remember the details too well, but IIRC if you have records of regular vaccines, checkups, etc. then they reward you by lowering your deductible or something like that.

[@savioursoul]

Emergency funds are much more cost effective than insurance. Insurance companies are set up to make a profit off of you. Emergency funds are not for profit and therefore cheaper. Insurance has deductibles, only covers a percent the costs, and does not cover many things. Emergency funds cover everything and offer peace of mind that insurance does not provide.

[@denson1951]

I just got my new puppy and your videos have helped prepare me to train her. She is my 2nd puppy. Our first dog was Molly, a Lab, and she lived to age 16.5 and she passed away in 2019. She was a lovecake♥️I knew practically nothing when I got her. I feel so much more prepared this time. Wish me luck!

[@smith5o7]

i have pet insurance but i feel like every time i submit a claim now they cover less and less really makes you consider if its even worth having

[@oBseSsIoNPC]

Well, you can put it this way as well. Even if you DON'T need the insurance money for your own pet, it will go toward another animal that does. For the peace of mind, having your animal on adventures and even just outside, $50 or even $100bucks a month seems decent. In case of that ONE bill, the ONE problem that costs you $5000 dollars. PLUS with pet insurance, vets go the full mile on tests and procedures. You don't have to think and skimp out on what to do and not to do.

[@venkatramcharan999]

Trupanion does not cover any preventative care or initial vet visits though, which are essential in the early days to months of adopting a new pup.

[@anonymouse2428]

I have two cats, both are covered by Trupanion, and are in great health. One of them hurt himself running around. He was whimpering, so I took him to the emergency animal hospital. Nothing wrong with him. Trupanion won't tell me what they are doing with my claim. It's been over a month. I've called multiple times. The claim is in review. Meanwhile, the follow up appointment turned up nothing. Absolutely fine. I mentioned Trupanion and the vet said that they're difficult to work with. The receptionist rolled her eyes. It looks like Trupanion has a negative reputation in the vet tech community. I'm tired of calling Trupanion and not getting answers. I'm going to cancel at the end of this month. Just put aside $50 each month for pet care and it'll work out cheaper and better for you and the companions. I've paid them thousands. Learn from my mistakes.

[@magnumpi28]

Trupanion BBB rateing has been taken down and now under review. That should tell you everything you need to know.

[@IreneYam1]

I’ve gotten pretty lucky with my two past dogs and thankful for your video, heartfelt, informative, rich and real-world examples and tips. My pup is biting, so will try the towel roll with minnows, but will freeze it a tad to sooth her teething!

[@veganconservative1109]

My concern is the cost not only for the care, but what if your insurance company denies your claim after you've been paying them monthly fees for years? They could have been wonderful for the first decade or more and suddenly a change in policy and 'claim denied' becomes commonplace. This is what is stopping me from getting pet insurance.

[@RYTHMICRIOT]

Not to mention, most pet insurance policies are structured as a "reimbursement" plan. Meaning you must shell out the potential thousands of dollars up front and then deal with the insurance company to get what you can back. Make no mistake, the business model of these insurance companies is to keep as much of the money you pay them as possible.

[@terriozment7018]

I have trupanion. My cat got caught in a house fire, we spent 1000 and my deductable is 500 because of the way they processed it nothing was covered. Now my cat has tooth disease and it is going to cost 1500. The thing is I have had his teeth cleaned in the past and a couple of teeth were pulled. He was not diagnosed with any dental problems at that time. However I am pretty sure that they are going to use this as a reason to deny coverage. We have been with them for years and sad to say I dont think it is worth it. I really had high hopes for this company but so far it has done nothing but cost me money.

[@whatjensupto]

Similar happened to me. They want to say "preexisting" for ANYTHING, even off of general symptoms that could have over 50 differential diagnosis and had no official diagnosis or treatment from a vet. Look at reviews from those that are NOT getting paid to advertise and you will see scam after scam on paying clients that trusted them. It is an embarrassment to the vet profession. I work with human patients and am licensed to practice medicine, ans say this with sadness but know what I am saying. Stay away from this insurance company!

[@RetrieverTrainingAlone]

For labrador retrievers pet insurance is ~$30 per month which totals to ~$3,600 over 10 years. By "self insuring" and not investing in pet insurance, I've saved over $29,000 for the 8 labs I've had over the past twenty years

[@Ohaithurr92]

It's like human health insurance, you may not need it, but if you do, it's good to have. Self insuring would be nice, but let's say you got a $12k vet bill during the 10th month, your self insuring won't work.

[@gianinaallan788]

OMG, I’m crying so hard after Closing my eyes while hearing your words about if we were ever in a situation we needed to make a choice on how much we would spend on vet bills to save our pet. I unfortunately never got a pet insurance for my dog. When he was A little over a year old he was mauled by a pitbull. Luckily the owner of the pitbull paid $1000 for his treatment. When he was 4 years old he swallowed a pair of underwear. I paid $4000 to save him. Then again right before his 8th birthday he got very sick with acute pancreatitis and diabetes. 😢 my family all helped to chip in to keep him alive. We spent at least $5000 to try to save him. After 4 days of no food I had to make the terrible decision to put him down. I could do a longer torture him anymore. That was what I feel like I did. I didn’t know how terrible feeding table scraps was. I only wish I would have been more educated and how to take care of my fur baby. The money part means nothing only to share that insurance is so worth it. The part that still kills me is that 9 months later I’m still so angry with myself because of my lack of knowledge and care of my sweet dog. II totally am responsible for the pain and suffering my dog went through. I don’t think I could ever forgive myself. I can’t even think about him without having a panic with unstoppable crying. The past nine months have been difficult to say the least. However the void in my life without a pet is lonely. I am committed to raising my next puppy with better understanding. So thank you Rachel for giving me the courage to get my dicks for a baby I am committed to raising my next puppy with better understanding. So thank you Rachel for giving me the courage to get my next fur baby.

[@Jusznani]

Aww I’m sooo soo sorry about your pup 😢 I can’t imagine.. but just know you did everything you did because you LOVED your pup ! And he knew how much you loved him I guarantee that !! Don’t be so hard on yourself 💕

[@Voltomess]

95% of pet owners cannot afford $2000-10k and more for procedures/surgeries and they have only one option to put their pet down to sleep. Vet prices are way too big and insurance is not so good either because they do everything what they can to avoid paying for your dog when it needs to be paid.

[@aprilrain2011]

Pet insurance is why the vets are charging more and more. It's like a human hospital ER bill!

[@zengrl777]

Great advice! I learned the hard way. I adopted two kittens and thought they're young I don't need insurance yet, but then they started having a chronic health issue early on and it was too late as it was now preexisting. I spent so much money over the years due to their health issue. When I adopted my rescue dog the first thing I did was sign her up for insurance. I haven't had to use it in the 5 years I've had her, but it gives me great comfort knowing we have it if something does go wrong.

[@RachelFusaro]

Thank you for adopting ❤️ and such a bummer your babies were sick, I’ve been there. It’s so tough 🙏 I’m glad your 🐶has been healthy! That peace of mind is huge

[@magnumpi28]

Run from pet insurance!

[@KatrinaDancer]

My 1st dog I didn't have insurance and I went into serious debt for him. My 2nd dog I had pet insurance and the company (the same one you have) turned down the claims... so now I go in debt again. WTF?!!!

[@jessnotliketherest85]

$203 a month plus a $700 x 2 =$1400 deductible for 2 - 1 year old dogs. Man this sucks! I live pay check to paycheck. I don’t even have health insurance myself. My dogs means so much to me but I literally can’t afford that. I will just have to walk the streets for money if my boys get sick(and I will for them) because damn I can’t afford that payment!! I feed them fully raw 80/10/5/5 & that’s up to $900 a month thanks to inflation. I’ve stressed about pet insurance so much. There is not much info on the Trupanion site. So many questions & no answers. 1) does the monthly payment go up annually? 2) does the pet insurance cover or help with regular vet visits, monthly pet meds such as flea, tick & heartworm? 3) is there a list of vets that accept this insurance? I want to see if my regular vet accepts Trupanion. 4) what else specifically if anything does the pet insurance cover besides emergencies? 5) If my pet never gets sick or has an emergency & I’m paying for years & years do I get a penny of that money back?

[@soshio_]

I think if you can't afford pet insurance, it would be a good idea to just put aside what you can each month as emergency pet fund. Premium gets adjusted every year depending on your location and your pet's age. It will go up annually, usually not by a lot if your pet is young. Pet insurance isn't like human insurance, you still pay vet bills up front, then you get reimbursed by pet insurance after you filed a claim. There's no such thing as whether a vet accept certain insurance. Insurance coverage depends on the company, you'll have to do your own research to find the one most suitable for you. I have HealthyPaws and personally went for $500 deductible to save on my premium. My coverage is only for illness, emergencies and accidents, does not cover regular vet check up or dental. And just like any other health insurances, you don't get your money back just because you haven't used it. They wouldn't be able to make money or provide coverage then if that's the case. Trupanion is on the more expensive side. Maybe check out Nationwide and ASPCA. I think they both have pretty good coverage and lower rates.

[@magnumpi28]

Run away from pet insurance

[@summerwillows4655]

Pet costs are astronomical. I think for me, when my cat was severally, it was the worst feeling of having to make a decision based on money rather than on the health of my pet. I likely would have had to make the same decision to put my cat down becuase if his suffering, but I didn't want to have to make to second guess it becuase I was afraid of the cost.

[@RachelFusaro]

Couldn’t have said it better myself. Choosing between what is best versus what is most affordable is a hard spot to be in. Thank you for sharing your insight 🙏

[@mister_mysterium_tremendum]

My beloved cat passed last week. We couldn't afford the treatments for him. More people need to ask themselves why can't we afford universal health care in our society, including for our animals and pets, when trillions are spent in military and bankers/corporations are making trillions every year in profits.

[@SimplySami13]

what insurance do you guys use? trupanion is wayyyy too expensive for me..let me know if there's any others if anyone else can comment :)

[@LinoGuzman]

Yes I would like to know to haha

[@OneHeckOfARide]

PetPlan. I doubt any plan out there beat them!

[@SimplySami13]

@@OneHeckOfARide thank you!!! :)

[@Gemigirl]

I will be getting my Great Dane puppy in a few weeks. I just signed him up for pet insurance. I am so happy that I've found your channel!

[@sarahsays194]

I got my cat when he was twelve weeks old and lost him when he was fifteen. I spent almost eight thousand dollars in the last two years of his life. Thankfully, I had the money stashed to do it, but that stash is gone. By the time I needed to have health insurance fir him, it was too late to do anything meaningful. I am getting a puppy in January and he will 100% be on pet insurance from day one.

[@mariabennett1151]

Yes they do. My daughter saved a lot of money on her doodle when Luna got sick. Trupanion was a life saver. 🐾

[@RetrieverTrainingAlone]

For labrador retrievers pet insurance is ~$30 per month which totals to ~$3,600 over 10 years. By "self insuring" and not investing in pet insurance, I've saved over $29,000 for the 8 labs I've had over the past twenty years

[@callravik]

@@RetrieverTrainingAlone what do you mean by "self insuring" ? I am a new pet owner, like to know.

[@RetrieverTrainingAlone]

@@callravik I don't purchase pet insurance thus saving over $3,600 during the life of each of my labs. I save even by paying out of pocket for any vet bills when they come up.

[@callravik]

@@RetrieverTrainingAlone how about catastrophic coverage? That would cost you several thousands of dollars, isn't it? I know several pet owners opting for euthanization for lack of money (inadequate insurance coverage or lack of insurance).

[@RetrieverTrainingAlone]

@@callravik I pay for whatever vet bills come up out of pocket. By not purchasing pet insurance, I've saved over $30,000 over the past 30+ years of working labrador retrievers.

[@craigmcneil3987]

Most insurance companies in Canada require you to pay upfront and they give you back 80 percent of the cost.

[@RachelFusaro]

Interesting!

[@esmaebarnesblackburn7516]

love watching your videos, helping me prepare for my pup Tiggy in 2 weeks keep doing what you’re doing!!

[@RachelFusaro]

Love that you’re preparing early, you’re gonna do awesome!! And thank you so much ❤️

[@whatjensupto]

I would disagree wholeheartedly with your review given that pet insurance is not regulated well and there is little recourse for dishonest medical review process of claims, such as a lawsuit, although some do go that far. Pet insurance is known to deny anything for any symptom at any time with the "pre-exisitng" wording they have in the contracts on purpose. (READ YOUR CONTRACT before signing up) I have given it the test myself with my own dog and found those hundreds of poor reviews from clients to be valid and therefore cancelled my insurance. Look at reviews from those folks that are NOT getting paid to advertise and you will see scam after scam on paying clients that had real claims and trusted this company. The underwriting and review of claims process is a complete SHAM as it is not performed by those that have degrees to understand prescriptions, diagnosis, treatments, the practice of medicine, disease, path processes, labs, imaging or pharmacokinetics/dynamics. It is a true embarrassment to the vet profession. In many cases, an outright accident would be the more secure way to have a claim approved for the obvious reason-that the insurance company cannot claim it is pre-existing. (But it may still may be an exclusion! Such as IVDD or a cruciate ligament tear! Read the contract.) I am licensed to practice medicine and I know medicine better than any of the people answering the phone at Trupanion. Therefore I warn the public and declare the above with sadness (I love animals!)- but in my experience this insurance company has done wrong. I have turned this company into the BBB and will continue to get the word out about the dishonesty I experienced. I hope insurance companies will do the right thing eventually in order that pets can be covered properly to receive good medical care and those that are animal "parents" are not stolen from.

[@ppmustang1]

Totally agree, just had $15,000 (and counting)in vet bills for my 6 month old puppy! Thank goodness I had pet insurance.

[@RachelFusaro]

Oh no! I’m glad you had insurance but sorry to hear you’re dealing with that. My heart seriously goes out to you. 🙏❤️

[@urbanpelon]

What pet insurance did you have?

[@RetrieverTrainingAlone]

For labrador retrievers pet insurance is ~$30 per month which totals to ~$3,600 over 10 years. By "self insuring" and not investing in pet insurance, I've saved over $29,000 for the 8 labs I've had over the past twenty years

[@Yarenii._]

ahh! I love your videos! They always teach me something new! Congrats on 200k also! Very well deserved!

[@RachelFusaro]

My day = made. You’re so kind and i app this greatly. Thanks so much 🙏🙌

[@Tee1andonlee]

CONGRATS ON 200K🎉🎉🎉

[@RachelFusaro]

Couldn’t have done it with you ❤️❤️❤️❤️

[@lizzthatvegan1207]

Pet insurance has given me the opportunity to give my dogs the medical care they've needed. I had to take my last service dog to see many specialists to figure out what was causing his health issues. There's no way I could have afforded it without insurance. I have Nationwide and absolutely love them.

[@elisabethglizz9784]

We should be careful on money disposal , if you're not spending to earn or get back money, then stop spending.

[@PinñedbyMôréCryptóOñlinè-r4z]

I'm a living testimony of Mr. Andreas Antonopoulos

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The right choice of an investment has always been the problem for me cause I know picking a wrong investment will leave a big scar in the future

[@PinñedbyPuñtoCrîptô]

Trading crypto with Expert Andreas Antonopoulos has been a game changer for me

[@jasoncole7698]

Depending on one stream of income has never made any millionaire, and earning check don’t put you on Forbes

[@nelsongeary1676]

Investing in crypto in these economic crisis will be one of the best thing to do.

[@sherisedances8267]

Except that trupanion ages out. Meaning once the pet reaches a certain age, they do not provide coverage.

[@tiannadowney6843]

Oh wow, What age?

[@sherisedances8267]

@@tiannadowney6843 you would have to read the fine print in your country. They do age out though

[@Hefty13]

Damn, I wish she would have mentioned it was a sponsored video at the beginning of the video.

[@bsmba1347]

yep. it's a commercial

[@shilohmorris5527]

I wish that I got insurance for my dog when he was a puppy. Now he is 8 and has a tumor and I can't afford the surgery to remove it.

[@magnumpi28]

They raise rates every year, you wouldnt have been able to afford it anyhow by now probably

[@taylorcoy3391]

Hello my dog had worms we got that taken care of I’m trying to get the parasites off his fur he can’t lay on any of my furniture I don’t know what to do it seemed like you were having the same problem what did you use

[@WxkR]

This opiniomercial left a really bad taste in my mouth. I’ve heard multiple stories about pet insurances ending up costing 2 or 3 times more than what you’d pay upfront to,the point of many people recommending saving money monthly for vet costs. Without mention at all of the specific costs of your case, you come up as disingenuous. How much did you pay for what specific procedures? How much is the monthly insurance fee and what covers? Deductibles? Exclusions? Etc? To me, the worst thing is that you became coopted by the campaigns of terror that insurance companies promote to seek clients. The sole thing that stops me for unsubscribing right now is the towel game. Simple and helpful.

[@RachelFusaro]

The towel game for the win!!! I have a few more like those in my upcoming videos 😉

[@brookelee12]

Could not be happier I got pet insurance! My doodle is only 1 year old and now having health issues, needing biopsy after many failed medications. I got it for peace of mind the week after I picked him up from the breeder...and now I am using it and it has already saved me so much money. Say prayers for my Chasey boy please, he gets his biopsy the 25th!

[@RachelFusaro]

Prayers have been sent, my heart goes out to you and I couldn’t agree more with your sentiments. I will always be an advocate of being prepared whenever possible! Please keep me posted 🙏

[@brookelee12]

@@RachelFusaro Will do, thank you so much! 💛

[@Buttabrown]

Do you pay the vet up front?

[@eva8440]

200K ALREADY WOAHH🤩🥳

[@RachelFusaro]

WE DID IT!! Thank you so much

[@ariannanipin]

congrats on 200k! you deserve it

[@RachelFusaro]

We did it!!! Can you believe it?! ❤️😍

[@sirat4840]

I love your videos so much they are so fun and helpful also congrats on 200,000 subscribers!!

[@RachelFusaro]

Thank you for this comment, it brings me great joy. I appreciate you

[@maxm1584]

What's the oldest age that the insurance is willing to insure? I know if they are too old, they won't insure it

[@digitaleara5520]

Is there such insurance as death insurance? Thanks!

[@ela100297]

My cat died from a gallbladder stone that got stuck in the duct he was 11 and I miss him everyday, the surgery to save him was 12k. Iv bin thinking about getting another cat recently but am definitely considering pet insurance.

[@Joespa7800]

Rachel, you are a life saver! Thanks to you we are so ready for our puppy "Crumble" to come home to us tomorrow ❤️

[@RachelFusaro]

Cutest name!!! Crumble 🍪 how fun, and thank you. You’re gonna do awesome!

[@viralvideos-bf7is]

Whats the best pet insurance for yorkie , i need my pet insurance for my pup

[@AB-fv4tr]

I didn’t look into it and it was too late… I wished I would’ve looked into what pet insurance was. We thought everything was fine and our dog was fine for 12 yrs until that moment and it broke our hearts.

[@shupuppy12]

I had trupanion but after age 5 the rates skyrocketed. I don't know why she said it didn't go up unless they changed this. My dog was on trupanion from a pup in 2000 thru 2014. I'd really study these insurances and find one you can live with and has good benefits.

[@ericramirez5692]

How do you feel about Banfield clinics and their wellness programs?

[@ciaraspb]

Good for a puppy first and second year after that a waste of money.

[@giovannisynthesis]

Sad that doctor and vets charge so much here in America. Greed>passion

[@erinsheridan4593]

Thank you for the info, and for that towel game! I did that for feeding part of my pup's breakfast yesterday. She figured it out pretty quick, but still seemed to really enjoy it.

[@deeferan7467]

I’m applied trupanion before we pickup our puppy, than the deal off because she tried to sell LA brand dog food and vitamins shampoo, while we were otw to pickup the dog in Florence OR. Now we are waiting probably next June 4 pickup date my mini Aussie locally. Idk I should get it or not again with trupanion?

[@OneHeckOfARide]

It is too expensive. Check out PetPlan.

[@johncastles3724]

My Bullterrier has a skin condition and she tends to have breakouts. When she does have a breakout we don't visit a regular veterinarian we have to see a dermatologist and that is expensive! Getting pet insurance was the best thing I ever did. Pet insurance has really saved me money!! I really recommend whoever doesn't have pet insurance to get insurance asap, you won't regret it!

[@magnumpi28]

Pet insurance is general a scam. You just need to find a vet that knows what they are doing so you dont keep going back.

[@johncastles3724]

@magnumpi28 they haven't scammed me. They've actually helped me out a lot, specially with the big vet bills. And for $25 a month shiiii it's a deal. 🤷‍♂️

[@magnumpi28]

@@johncastles3724 The price will go way up and you will poo your britches soon. Just wait. Several years ago people would say what a great invester bernie maddoff was and you couldnt convince them no different no matter what you said. If you want me to break down the scam, i will, if you want to keep a open mind but if your mind is closed i would be wasting my time. I want to help you John.

[@johncastles3724]

@magnumpi28 go on break that shit down boa!

[@michellewei9139]

What really sucks is i dropped my pet insurance when my dog was 7...because I was paying over $100 / month plus a $250 deductible per incident. I submitted a super bill of $1200... remember... $100/month so thats $400 plus the $250 plus the $1200 equalling $1850 out 9f my pocket. The check i got from insurance? Under $400. Worth it? Bad allergies? Raw feed and eliminate! Cancer? Keto raw feed. Get it done without medication!

[@kathy0698]

We, unfortunately recently had to euthanize one of our babies. The ER Vet was very costly. We have insurance, so we were reimbursed. Our bill was close to $1500, $300 of it was for cremation, we have $250 deductible, so our check was for $1100 .

[@Mom-rt5db]

Hi Rachel new pet owner with kids looking for affordable insurance for my dog any suggestions please 🙏

[@fisharepeopletoo9653]

I didn't even know pet insurance was a thing, I'm disabled and on a fixed income, so a vet bill could be devastating for me, doubly so if I couldn't pay it and it cost me my dog. Thank you for this wonderful advice, I'll be investing asap. I do have a question, though, if you're willing to take a bit of time. As I said I am disabled, and I have a nearly 10 week old rottweiler mastiff mix. I've been doing a lot with her, and she is incredibly smart and so much fun. My question, though, is actually about the future. My disability gives me poor balance and a permanently injured left arm that can't be pulled on. I want to take my little Sasha on walks (even though leash training has been hell, she really doesn't like the leash,) but I'm afraid that as she gets bigger and stronger she'll quite likely be able to pull me right over. Obviously I don't want that to happen, but it seems that in training you really need the thing to happen first in order to teach the dog not to do it. Is there a way around this? Obviously I don't want to have to eat concrete in order to teach her not to make me eat concrete lol, and would love any advice that helps with this problem.

[@PinkBlue_Spood]

I’ve been disabled since 13 from a severe progressive brain deformity. It’s my goal to eventually train a service dog prospect for myself, which I’ve been preparing for for about 3 years now. None of the service dog programs in my state have been helpful for me, as none of them have been familiar with my condition and its effects. When I am approved for SSI, I plan on saving for a long time, getting everything I need, getting a prospect when ready, and then using a portion of my check for pet insurance fees. It can be so helpful, especially for us who are disabled!

[@PinkBlue_Spood]

I don’t know if I can be of help for your question, but, I can share what I’ll be doing for my situation (as I will be adopting a prospect of a large size, one that likely will be close to my weight, being that I’m 96-99lbs). Obedience is very important with how dogs behave on the leash, and you want to teach the dog structure. When the dog is pulling, not at your side when supposed to be heeling, correct the dog with a leash-pop/leash-pulse (you don’t want to pull the leash). Reward the dog when it is walking on the leash well. Try and start this in a distraction-free environment, and slowly branch out to areas with distractions once they know what they’re supposed to be doing. Lower the criteria and give the dog breaks when doing this, and slowly build up your distance and duration from there, when the dog is successful. For myself, I’ll be utilizing added tools, such as a slip-leash, or maybe a prong collar, along with an E-collar to help me, as I am very petite and very weak. A prong collar, if you use it correctly, can be great, especially with Rotties, as their necks are very muscular and thick, which will help you maintain control and supply better corrections without causing the dog to choke out.

[@fisharepeopletoo9653]

@@PinkBlue_Spood That is all excellent advice! This comment was fairly old though, and my puppy is now over a year old! But she is a wonderful dog and I have managed to train her well. I wish you the best of luck in your endeavors!

[@PinkBlue_Spood]

@@fisharepeopletoo9653 Ah, I misread the date and thought it said 1 month, not 11 months, lol! Thank you! I appreciate it! I’m glad to here that all is going well with your dog! :)

[@errrika90]

What % coverage and deductible do you recommend? I have Trupanion 90% coverage with 200 deductible and am wanting to bring the price down

[@karencornejo5369]

Is trupanion worth it? Does it it covers emergencies? Such as foxtails or the dog swallowing something etc?

[@41walmart]

the deductibleis too espensive

[@trailmix_grapedog1913]

CONGRATULATIONS ON HITTING 200K YOU’RE AMAZINGGG 🥳❤️

[@RachelFusaro]

Couldn’t have done it without you my friend ❤️

[@JHofer1416]

I adopted a puppy and right out the gate she was sick. With all of the vet visits, vaccines, and testing we had to do, I was So grateful to have insurance. It would have cost me thousands. Within the first three months the money I saved with insurance covered her insurance for the rest of the year, and so much more.

[@RachelFusaro]

Thank you for sharing but so sorry you had to go through that. So sad 😞 I had a similar experience with my lab 10 years ago and having insurance saved me BIG time. I’ve advocated for it ever since

[@JHofer1416]

@@RachelFusaro She is doing so much better, and that is the important thing! I’m glad your lab is doing better. Because of this experience I am going to be a lifelong advocate though. Emergency visits add up so quick, it was a pretty big shock the first time and I was glad to have the assistance.

[@shaymanay4207]

CONGRATS ON 200k!!!!!!! ❤️❤️❤️❤️

[@RachelFusaro]

We did it. Truly I’m so thankful ❤️❤️❤️

[@astromaxx7771]

You keep going on and on, but you don't actually say if pet insurance actually COVERS anything!!! Have you actually made a claim that was accepted? I hear horrible reports about the pet insurance companies incldg your beloved Trupanion. So, not sold yet!

[@250hincks7]

My dog was 13 yeas old before I saw any major health issue, it came suddenly tumor on her spine and to save her I had to operate and the bill was $10,000. I had no insurance 6 months after surgery she passed away. If I had insurance this would have been covered so get insurance!!

[@tangotea7192]

So sorry.

[@sandracornejo3138]

What if my holistic vet doesn’t get insurance?? Will it make sense for me to have insurance? Why?

[@saundradriscoll282]

Last week my yorky terrier started having pain. I had no insurance. I took my Maggie McGee in & they had taken a lot of tests. The Vet said he didn’t know what the problem is. He suggested more testing and an operation. Even though they had no clue to the problem. The bill was $1,700.00. They put her down. I’ve been devastated. I will have pet insurance on my next dog.

[@Jusznani]

They put her down and didn’t even know what was wrong ? My goodness ! I’m so sorry 😢

[@selflessman]

The rip off is, they go up in premiums as your dog ages. Then at the same time, they confuse you on what they cover, very unlike they did when my dog was a puppy. Because of this, my dog died a slow miserable death, because when I would call the pet insurance company ahead of time, they would confuse me on how they would label the illness, leaving me confused and afraid to spend 1,000 - 3,000 dollars on vet bills, without knowing if I would be reimbursed. After my dog died, I called to cancel, then they started talking like he would have been covered. He died of heart failure, which came on sorta suddenly after risky medications. Sometimes I think he was misdiagnosed. This part was the veterinarians fault. But I had pet insurance for when he got old and sick, but this still happened to him. The vet hospital, and my pet insurance company left me in the cold. You have to actually know somebody who works in a pet insurance office, to get the wording right. Otherwise, you're better off just putting away a certain amount per month, although this may not have helped too much in your case, since your pet was still young, which is rare. In your case, pet insurance was the right choice. For you're next pet, my advice is to have at least a couple 1,000 dollars saved up for his emergencies. And make sure you can afford about 50 to 100 dollars a month to add to that account. Take it from someone who watched his premiums go up for almost 14 years, just to watch his red-pin die in front of him, or like a dog in the street, after making mistakes trying to save him.

[@leroytrinidad6388]

Lost my 11 month old puppy from Aspiration Pneumonia a few days ago. I did not have insurance and payed 5k on vet bills in a single night. I recommend getting pet insurance. Learn from my mistake.

[@madeleine363]

Do you think the “premium” coverages are worth it more than a “basic” coverage plan?

[@virig2309]

Can you please explain grain free vs dog food with grains? So confused. I have a 9 week old goldendoodle and we’ve been feeding him Stella and chewys dehydrated raw but it’s “grain free” does our puppy need grains?

[@RachelFusaro]

LOVE that you asked this. I am going to do a video on this, but net, I am a STRONG believer that dogs do not need grains - ever. They’re carnivores! Ideally dogs eat a biologically appropriate diet which is raw, fresh food. Here’s more on that! m.kzbin.info/www/bejne/fqmwp2mKZs6gZ80

[@virig2309]

@@RachelFusaro thank you for replying! We recently bought him oc raw cause of your videos! Everything you post is so helpful ☺️💖

[@krehbein]

My vet told me there’s a link between grain free food and heart failure.

[@AmazeFaves]

Ugh my dog got into ivermectin and had a seizure. He is at the vet hospital and all I can think are dollar signs. I'm going to try and get him discharged today, and praying I pay no more than $1500 if I'm lucky.

[@swathijohn5427]

Congrats on 200k!!💕

[@RachelFusaro]

We did it!!! Can you believe it?! 🙏🙏 thanks for all the support buddy, means a lot

[@swathijohn5427]

@@RachelFusaro ❤💕

[@onlybanger739sk]

Bought a dog with my fiancé. I had dogs my whole life growing up, a bit small but I guess it’s fine. But I love big dogs, but a dog will always have my heart. We are looking for pet insurance. Every insurance is different but put it this way. Our dog life expectancy is 14-15 years. Monthly charge is $90 a month. They cover up to $15,000 a year and exams. Which is good because they always run exams first. So basically, I’ll get my moneys worth. If something happens, and the bill is $10,000 I won’t be guessing. Because I know it will be covered. 15 years for 15,000 annually and reset. Worth every penny. Be smart, get it. Get a good one though and if you have questions, call and ask or email them. Don’t second guess and then find out they don’t.

[@kisses157]

It is worth it to get pet insurance just what happened to my original cockapoo she passed away on feb.18/2021 after my bday.she has insurance since she was 2 mos. Old.but she cannot save and on my bday at 6pm she become paralyzed in her back legs and she won't be able to walk and on the next day she have internal bleeding and I have no choice to put her down.its really hurt and I love kisses so much.

[@anyakunder]

Hey @Rachel Fusaro any tips on resource guarding? My dog doesn’t allow me to open her mouth when she has something in her mouth to take it out.

[@RachelFusaro]

Yes! First always practice caution and work with an in person trainer with any concerns bc it can be dangerous. For me, when I had resource guarding fosters (which was often), we worked first on boundaries which means structure and routine in the day. Hand feeding meals if possible and working on cues and commands several times a day - this set the expectations and built that mutual respect ❤️

[@advancedrescue4083]

I have my cat on Trupanion but unfortunately they are prejudice against pitbull‘s. I got my first quote from them when I first rescued my pitbull and she was three months old. I called a month later and my quote went from $42 a month to $167 a month and nothing had changed from the information on my dog. She was still only a puppy so she was put on the age scale of under one year old both times I called for a quote. The only thing that changed was the fact that they now charge extra for any bully breed! This is racism and BSL in my opinion!! Now she’s with ASPCA insurance for $57 a month with a $250 deductible and $10,000 a year coverage. What is your opinion of ASPCA insurance? I would have gone with Trupanion for her if it had not been for the BSL (breed-specific legislation). I wish I would have gotten my senior pit insurance years ago, but because of her age they quoted me over $500 a month. I would have saved a ton because she now has Cushing’s disease. I am just like you, one of those crazy pet parents that will do anything for their animals. I’ve spent over $5000 on my senior pitbull just this year, for all the testing just to get her diagnosed! I am not financially well off, but they are my babies.

[@Xtramedium415]

Thank you for this info, I too have a dog under the same “pitbull” umbrella, this explains why my quote was 124.00 w/ 700 deductible with Trupanion.

[@okktinaaa]

hello! is it normal for your goldendoodle to be a grey-ish color at 2 weeks?

[@loreshavalherio6558]

Oh my. I'm still debating my future pet. I had 1 cat in my entire life. When I was a kid. Then I grew up having dogs. My last 2 dogs I had to put down. 14 yrs old a pom/poo and 10 yrs old cocker spaniel. It's hard when you loose a pet. Pros and cons what pet is best dog or cat?

[@abbywolf17]

I am getting a puppy but don’t have a ton of money. Do you think pet insurance for the year is still cheaper then out of pocket?

[@RachelFusaro]

There’s a lot of factors so I’m not too sure what it would cost for you, but to me, if it’s in the budget it’s worth it!

[@abbywolf17]

@@RachelFusaro thank you!!!

[@majaambroziak5156]

Well I have insurance for Benji just incase if soemthing happens and it costs a lot of money. I can't wait to watch it. Can you make a video please on travelling with dog abroad like the essentials it needs etc. Thank you

[@RachelFusaro]

I appreciate you and I think I can do this!! Here’s one: m.kzbin.info/www/bejne/kJbPdoWemJdrg68

[@majaambroziak5156]

@@RachelFusaro thank you so much I'm just asking because we might be going to Poland this July so I just wanted to be prepared as much as I can thank you once again Rachel

[@Persassyproduction_fanpage]

@@majaambroziak5156 omg I can’t believe this my dogs name is benji and we also are going to go to Poland

[@majaambroziak5156]

@@Persassyproduction_fanpage well what a perfect coincidence. Are you thinking of going to Poland this year because we are thinking of this year but we are not sure due to covid

[@Persassyproduction_fanpage]

@@majaambroziak5156 yep same situation not sure yet

[@bobbieminami4484]

What is your opinion about giving puppies supplements such as Nuvet?

[@RachelFusaro]

I’m not as familiar with NuVet but for me, I prefer giving puppies whole Foods so they get their nutrients from real ingredients. That said, I love raw goat milk and no salt bone broth for added probiotics and immune system boosters for puppies! Here’s more on that: m.kzbin.info/www/bejne/f3iqZqBqhK1shLs

[@bobbieminami4484]

I appreciate the information on your video. My girlfriend’s senior cat was starving demanding food every couple of hour and kept losing weight. I told her about your recommendations about raw food and raw goat’s milk. The raw food is sustaining her where she is now gaining weight and less demanding for food and the raw goat’s milk..Molly is not vomiting daily and loves it. Thank you so much. I want your opinion about giving puppies supplements such as NuVet. I am preparing to get a puppy and will transition to frozen raw dog food and freeze dry. I love your videos, I crack up watching the dogs heads nodding and following your hand with food while you are talking.

[@8sun52]

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.

[@orianasalas8195]

Thank you for this video! We have a 1 year old border collie/corgi and this is his second time getting pneumonia since getting him. Unfortunately our vet suggested if he gets it again, to start testing for an auto immune disease. My boyfriend and I are heavily considering getting pet insurance for both of our dogs and after watching this video, I feel reassured they will be taken care of.

[@krehbein]

Insurance won’t cover preexisting issues.

[@Jusznani]

Try a holistic veterinarian for your pup that keeps getting pneumonia, they are wonderful !

[@frankw9836]

I adopted a 6 year old dog in September 2021 and took out Pet insurance in October with every paw UK i pay £18.00 per month. I December 2021 my dog got very bad ear infection the treatment started incl CT Scan anestasia for far her bill is over £2000 so far my excess is £110 per condition . The insurance paid out the 1st claim no problem and i am sure they pay the rest as well ! PET INSURANCE , YES!

[@VictorLopez-fd8ze]

If I do get a dog dog insurance what one should I get should I get the $10,000 one or should I get a hundred thousand dollars or should I get one it will pay everything and how much would I should do for the copay should I do a hundred or should I do what price they have 100 .200 .300 .400. 500 600. 700 .800. 900 .and.. 1,000 + and keep..

[@karenc1209]

I completely agree with this video we just dropped 7000 dollars to save our adopted cat 😢she still has more medical treatments, and we're already stressed 😮

[@liscox4281]

Have had my puppy for 5 days. She’s had an ileus within 5 days of getting her ($1600 vet bills). Got her home. Within 16 hours of discharging she jumped off my lap and broke her wrist.. $1000.. literally $2600 in the first week of having her! Illness wasn’t covered but thankfully the accident on her foot was covered in the insurance policy I’d taken out

[@TC-lo3uc]

Hi what type of insurance did you go with?

[@tinawaser8977]

What's the Trupanion discount code?

[@magnumpi28]

Trupanion BBB rateing has been taken down and now under review. That should tell you everything you need to know.

[@THE-RED-LETTER-PROJECT]

Well, I'm sold. My neighbors Great Dane/ Pitbull mix attacked my beagle. I live on an acre I always have him on a leash. Leash on a walk, always. The lake I live behind was very low and the Great Dane went around the fence into my yard. Puncturing Charlie's throat. He's in an oxygen tank at the pet hospital. It's going to be thousands and thousands and thousands of dollars. My neighbor hasn't mentioned ANY compensation. Wish I saw this video of last week.

[@craigpina]

Hartville has saved me, and my dog. When you have to make a trip to an emergency vet it's very expensive. Without Hartville, I wouldn't have been able to afford the emergency surgery she needed.

[@jackbrax7808]

For the majority of people, I agree. Pet insurance is a good idea assuming you can do the math and the cost works out overall. The cost of insurance might be too high over the course of your pets life within reason unless your pet is hit with an EXTREME illness. I’m also in a fortunate position to be able to pay out of pocket compared to most. The one thing I will argue as you brought up your cat is that yes, insurance would have saved you in this situation. However, I might make the argument that 14 years is a pretty good life for a cat and putting them through surgeries and other meds and procedures might not be worth it. Obviously that’s a VERY personalized decision and your choice to continue treatment of your cat is by no means a wrong one. But I simply want to point out that a wide variety of factors exist that can change things.

[@Gotthisone]

I've been looking forward to this video. 🐶🐶

[@RachelFusaro]

Hope you enjoyed it ❤️

[@ibckibibiconner3768]

So does this cover regular visits ie shots etc

[@sandyland7474]

Thank you so much for treat n towel idea. Due to my chronic illness, Jax(snorkie) limited to his walks. We now do this everyday or more sometimes. He luvs it! Thank you❤

[@chilogutierrez8760]

Just bought my pet insurance. They cover annually 550 bucks in routine care plus the accidents and illness.... And my yearly premium is only 575.... So considering I used that routine care money to cover the spade and vaccines I literally saved about 100 bucks in total for the first year. And after 1 year I can drop the routine care if I want and my premium will go down in half. Basically I got 1 year of pet insurance for free because it paid to get my puppy spade and all the routine care done.

[@Malshiartie]

What is the name of the insurance? Thx

[@UnitedDestinyEntertainment]

I paid out of pocket for the vet to in their words try and they still killed my dog with surgery. Insurance or not, it’s irrelevant when the vet you’re dealing with sucks and just looking for money

[@asht9066]

What if your pet has unfortunately been diagnosed with a certain disease and you’ve just found out about it? I had no idea pet insurance was a thing but my exotic pet is young and was recently diagnosed with a disease. After paying the full cost of his emergency visit, I found out about pet insurance but I’m thinking that it’s too late to have it. Would you still recommend getting pet insurance if your pet had already been diagnosed but is still young? Or is it not worth it anymore?

[@Jusznani]

Pet insurance doesn’t cover Pre-existing conditions but I know the insurance called ( ManyPets )will cover a pre-existing condition if your pup has been symptom free for 18 months I believe but I think it’s worth getting the insurance just in case something else pops up

[@motherofthreeb6337]

After looking into this insurance, not sure how good it is. While they have a A+ with the BBB, seems they have a lot of complaints surrounding their policies, timing of policies, what's actually covered and not covered, and seems like their customer service is not good. Charging accounts when policies were canceled and taking too long to refund. Even what they think is pre-existing when a veterinarian said it wasn't. No thanks. People, do your own research before handing your money over.