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I have four cats, and for me, getting separate policies for each didn’t seem financially sensible. Even though I might face a large vet bill someday, the cumulative cost of multiple insurance premiums each month would add up significantly, especially since most of my cats are currently young and healthy. I’m opting to put that premium money into a dedicated savings account instead.
I’ve had a pretty good experience with Lemonade. When my rescue puppy broke her leg less than two weeks after I got the insurance, they covered 80% of the over $5,000 in vet bills. I’ve only paid $32 a month so far and the claim process through their app was super easy.
My experience with Embrace has been positive. My almost 14-year-old Sheltie has had nearly 80 medical claims for frequent pneumonia and other issues, and they’ve always covered what we expected. While the premiums have increased as she’s aged, the fact that they’ve consistently paid out on significant bills makes it worth the cost for me.
I tried Embrace for my pets, and it was cumbersome. I had to submit the same information multiple times, and claims seemed to get lost, leading to long reimbursement times. I’d rather have the money in a savings account that I can access directly without the hassle of paperwork and potential delays.
With Healthy Paws, my dog was attacked by another dog and needed surgery on his mouth and leg. They sent us a check within three days and even covered the dental cleaning related to the injuries. While the cost of Healthy Paws has gone up over time, their prompt payment in a major emergency made it worthwhile for me.
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