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I used to have Trupanion, and while their coverage seemed comprehensive, my monthly premiums for my two dogs and a cat increased by 50% in one year. I was paying a significant amount each month, and thankfully hadn’t had any major claims, so I decided to switch to a high-deductible plan with another company to lower my ongoing costs.
I’ve had Healthy Paws for my dog, and when he was attacked by another dog, they sent us a check in three days. His mouth and leg surgery cost a significant amount, and they covered it well, including a dental cleaning for tooth extraction. Even though my premiums have gone up over time, their quick and comprehensive coverage in an emergency made it worthwhile for me.
I tried Embrace for my Sheltie for almost 14 years. While the premiums got pricey as she aged, they covered almost 80 medical claims over that time, including many ER visits for pneumonia. We only had one minor dental cleaning item not covered to our satisfaction. Over the long term, the amount they paid out far exceeded what I paid in premiums.
I’m someone who believes insurance is for things you can’t afford not to pay for if something goes wrong. For me, a sudden vet bill of $5,000 or $10,000 would be difficult to handle. So, I pay a monthly premium for pet insurance for the peace of mind that I wouldn’t have to make a devastating decision based solely on finances.
I’ve heard that Trupanion is often amongst the highest in terms of price when getting quotes from multiple providers. However, they have a good reputation for comprehensive coverage and their Trupanion Express for direct vet pay is something many people appreciate. For me, it’s about balancing the potential cost with the level of coverage and convenience.
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