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Because my new Giant Schnauzer puppy is predisposed to certain health conditions, a Reddit user recommended getting quotes from Pets Best, Embrace, Figo, Lemonade, and Trupanion. They suggested comparing prices and then narrowing down based on coverage, especially considering breed-specific issues.
I chose MetLife Pet for my Great Dane and added their wellness plan with 80% coverage and a $250 deductible, and I pay $84/month. I’ve used it for regular wellness and a biopsy, and the claims process has been simple. This shows how a wellness plan can be added for routine care, although pet insurance itself doesn’t typically cover routine vet bills like vaccines.
When I was looking for pet insurance, Embrace, Lemonade, Odie, and Wagmo were the cheapest for my dog and cat. However, pricing really varies based on breed, location, and age, so getting quotes from multiple providers is the best way to compare. For example, I’ve seen quotes for a 2.5-month-old puppy from Trupanion for $150 per month, while someone else pays only $50 for a 10-year-old dog.
I originally went with Embrace but I consider them a “total scam” because they refused to pay out on claims. After the third claim, I cancelled all my plans for my four pets. I then switched to Trupanion through Chewy and have been much more satisfied with their quick claim responses. This highlights the importance of researching claims experiences.
Instead of getting pet insurance, I recommend just getting a savings account and putting money into it monthly, like $75. Statistically, your dog’s major health issues will likely occur later in life. For example, my 8-year-old lab had a burst spleen requiring a $4,000 emergency surgery, followed by another $4,000 for cancer treatment. I was able to cover this by cashing in bonds, suggesting that saving can be a viable alternative for some.
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