Pet Insurance

: I tried Healthy Paws and the experience was terrible. Canceled it right away. 买过Healthy Paws体验极差 果断退

: PetBest—bought the dog policy when the dog was just over 2, now over 4, $40.88 a month. Bought the cat policy when the cat was a few months old, now over 1, $39.67 a month. $250 deductible, no cap… pets best 狗2岁多买的现在4岁多，$40.88每个月，猫几个月买的，现在1岁多，每个月$39.67 自负额$250，无上限…

: This year I just got insurance for my 10.6-year-old cat at home. The deductible is 750, with 90% reimbursement, and a maximum payout of 10,000. I added an extra plan that covers one teeth cleaning, registration, etc. per year, and it's $133 a month, with ASPCA. But seeing this, I'm wondering if I should upgrade to unlimited coverage instead, even though the bloodwork is all green for now. I hope we never have to use the insurance and that it stays healthy and well all the time 今年剛幫家裡10.6歲貓貓買保險，自付750, 90%理賠,最高理賠10000, 加了一個額外洗牙掛號等等一年有一次補助的plan, 一個月$133，ASPCA的。 不過看這樣在想是不是要提到無限上限比較好，雖然目前血檢都是綠字 希望不要用到保險牠一直健健康康

: Warning: avoid Pets Best — their premiums go up by over 30% every year. 避雷pets best 每年涨价30％以上

: Insurance isn't a scam! You're buying it for the "just in case." My dog was perfectly healthy before age 12 and had never been sick. At age 8, because we got a second puppy who was often sick, we got insurance for both of them together. We didn't use the insurance for 4 years, but this month my dog suddenly had trouble walking and was diagnosed with cancer... Several ER visits plus surgery have already cost $20,000, and there's still chemotherapy to come. Insurance saved my dog's life — at least it means I won't have to give up on treatment because of the high medical costs when making important decisions. 保险不是骗人的！买的就是万一！我家小狗12岁前非常健康 从来没生过病。8岁因为又养了第二只小狗经常生病，于是一起给两只上了保险。4年保险都没用到，但是这个月突然走路出现问题 查出来癌症.. 几次ER+手术已经花了2万美金了，后续还要化疗。保险救我狗命，至少在做重要决定前不hui因为高昂医疗费而放弃治疗。

: They're all just money traps. I canceled the insurance when my kid was just over a year old I'll wait until I'm older to see if there's anything that doesn't rip you off 🐱 都是骗钱的，1岁多就退保险了等老了再看看有没有不坑🐱的

: Used it for a few years, then stopped. Feels like a scam. Once you get older and they realize you might cost them more, they jack up your premium for the next year. 用过几年 停了 感觉就是scam 一旦年纪大一些 发现可能会多花费 就大幅提高下一年保额

: We've always compared prices with Pets Best and found that for our dog, their monthly premium is the most budget-friendly. We've also been reimbursed by them—their claim submission is simple and the money comes through quickly. 我们一直用pests best对比价格之后发现对于我家的狗来说这个每个月的premium最友好。我们也reimburse过他家的claim submission也简单钱打的也快

: Pet insurance absolutely has to be Unlimited. At the end of last year, my kitten was diagnosed with large cell lymphoma — hospitalization plus chemotherapy cost almost as much as a Model 3. Thank goodness I got HealthyPaws when she was little. Even though the 90% reimbursement rate was lowered to 70% at last year's renewal, it still helped a lot. 宠物保险一定要选Unlimited了。去年底猫崽子查出大细胞淋巴瘤，住院+化疗差不多小一辆麻豆3了。还好从小买了HealthyPaws，虽然去年 renewal 90%报销比例被降低到了70%，真帮助不少。

: Most insurance is a scam 大多数保险都是scam

: I used to use Pets Best. Started using it when my cat was two, and the premium went up 50% every year, so I eventually canceled it. 之前一直用pets best 从咪子两岁开始用每年涨50%，后来停掉了

: Mine is PetBest with a $2,000 deductible, and it was about $45 every few months. This year it went up by over $75. Having $2,000 set aside in your pocket is better. My dog is 15 this year and very healthy. Paying for expensive coverage isn't as good as feeding fresh/raw food — my family is the best example, she's never been sick. Buying insurance is purely for peace of mind. I started buying it when she was about 11. 我的是pet best $2000deductible 好像每幾個月$45 今年漲$75多 只要兜裡備用$2000好過 狗狗15歲今年 非常健康 買的貴保額 不如來個健康鮮食/生食 我家就是最好例子 沒病過 買保險純屬心裡安撫 從大概11歲開始買的

: Are there any recommended ways to buy a dog? 请问有推荐买狗的途径吗

: Bookmarked for now, I'll take a closer look when I have a furry friend. Thanks ☺️ 先收藏，等有毛孩子了再仔细看看。谢谢☺️

: Costco members can also purchase Figo pet insurance directly and enjoy a 15% discount. Costco 会员也可以直接购买Figo 宠物保险，享受15%的折扣优惠

: Does anyone have recommendations for senior cat insurance? The one I'm using now, Fetch, said during renewal that they can only cover up to 70%, and the deductible is a whopping $500. 老年猫咪大家有推荐的吗 现在用的fetch的 renew的时候说最多只能cover 70% 而且deductible居然要500

: 我自己用lemonade的保險 8/6剛提交第一次claim 大概2小時有個真人review 然後就通過了，然後在第二次提交claim 就馬上通過了，還不錯，但是沒有unlimited選項，我是$100 deductible 然後賠付90% 我自己用lemonade的保險 8/6剛提交第一次claim 大概2小時有個真人review 然後就通過了，然後在第二次提交claim 就馬上通過了，還不錯，但是沒有unlimited選項，我是$100 deductible 然後賠付90%

: Which one is better? 哪个好呢

: Save this for later. 收藏起来