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My dog started having trouble breathing so we took her to our local pet ER. After tests, xrays, and an ultraound, they diagnosed her with pyothorax (fluid in her chest cavity). We transferred her to another vet that could do a CT scan then her surgery. After surgery, she was in the ICU for 10 days with a chest tube then another 2 days after the tube was removed, a total of 12 days. The total discharge bill was $20k plus a $5k ER bill. The plan we have has a $500 yearly deductible then 90% plan paid/10% customer paid. Our total out of pocket ended up being around $3k out of the $25k total bill. They saved her life because there was no way we would’ve been able to afford it without knowing we’d be reimbursed. And they made the reimbursement process so easy. They called the vet and got the confirmation they needed and I got a direct deposit a few days later. Thank you so much Healthy Paws!

Lemonade did amazing job handling my claim quickly. It’s very reasonable and covers a lot. I’m grateful for lemonade pet insurance!

My dog started having trouble breathing so we took her to our local pet ER. After tests, xrays, and an ultraound, they diagnosed her with pyothorax (fluid in her chest cavity). We transferred her to another vet that could do a CT scan then her surgery. After surgery, she was in the ICU for 10 days with a chest tube then another 2 days after the tube was removed, a total of 12 days. The total discharge bill was $20k plus a $5k ER bill. The plan we have has a $500 yearly deductible then 90% plan paid/10% customer paid. Our total out of pocket ended up being around $3k out of the $25k total bill. They saved her life because there was no way we would’ve been able to afford it without knowing we’d be reimbursed. And they made the reimbursement process so easy. They called the vet and got the confirmation they needed and I got a direct deposit a few days later. Thank you so much Healthy Paws!

I love Lemonade Pet Insurance! It is so easy to use and they are very caring and friendly. I take comfort in knowing I have this protection if my pet has significant pet issues. My dog Max gets into a lot of mischief, and hopefully he won't get hurt or sick, however knowing I have this insurance gives me peace of mind. Every time I have filed a claim it has been easy and paid out very quickly!

Professionally and had a quick response

I wish I could get my own health insurance through Trupanion

Please note in my experience, the type of Insurance nationwide offers through employers (employee pays everything) is different than what they offer retail market direct. I view Pet Insurance somewhat like a savings plan that helps me stay out of debt when my pet needs medical care. And I also know what kind of care I would treat my pet with and what cases I wouldn't want the animal to suffer. Also, our Vet is High quality but is at the low end of the price range - knowing this is important in selecting a plan and the benefits, deductible etc. I generally can afford about $500 a year for a single dog on pet insurance - that's just over $20 per month. Since out Vet is Very low cost I have found that insurance w/ preventative care is too expensive and adds $250 - $350 to the cost of the yearly insurance and I can manage those costs better paying out of pocket. The downside of that is while I save money, the wellness costs don't count towards my deductible. But that doesn't matter for me since I don't plan on claiming except in the event of a serious emergency, illness or unexpected expense. An example is my last Boxer developed a large small mast cell tumor below her ear that we removed through surgery. It came back positive as cancerous. While we thought we had caught it early and all of it, about a 6 months later she developed a large grapefruit size mast cell growth that was cancerous on her neck. The Dr. recommended chemotherapy and while he struggled to find a medication that was available (short supply) we began treatment that provided Bella another 5 months of quality and comfortable time. Nationwide paid ever claim above the $250 deductible at 90% very promptly by sending Citibank payments electronically deposited to our checking account. In the end our total Vet Bills for the year totaled about $2000 (max $5000 annual) and I think they paid about $1600. Now the yearly cost for that policy was about $375 and we had her insured for 6 years for a total of about $2250. Prior to that we had made a claim for about $500 over the years. So in total Nationwide paid $2100 and our payments for Insurance was about $2250. I consider that to be exactly what the insurance was meant for. I carried the cost monthly to ensure I wouldn't go into debt on a credit card if treatment was needed. And if there had been an emergency requiring Urgent Care those costs would have been 3x. Nationwide provided excellent coverage at an excellent price that met our predetermined needs. Note if I had selected options like higher coverage, lower deductible, etc the price per year would have made the numbers cost prohibitive. So to get the value you need to understand: 1. Vet cost 2. What you will treat and what you will not treat 3. Annual checkup costs 4. What's the other option, savings, stocks, credit card and your tolerance to use it.

Pets best has been a great insurance for my pet

They will do anything to rearrange invoices to their benefit so as not to pay full claim. My dog had one procedure on one day, They pulled the x-rays from the invoice that day and treated it as a separate procedure. 266.00 for the x-rays then did not reach my deductible and they paid zero. Useless and overpriced.

I understand that Trupanion doesn’t pay for regular vet care and vaccinations; however, I was surprised that you didn’t pay for treatment care/medications for hookworm.