Kimberly Alt
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March 6, 2025 at 2:50 pm in reply to: German Shepherd Owners – Which Insurance is Better for IVDD: Embrace or Fetch? #140687
Kimberly Alt
ModeratorWould $15,000 be enough coverage for potential medical needs for a GSD?
$15,000 in annual coverage is a solid amount for most medical needs, but for a German Shepherd, it really depends on your risk tolerance and financial situation.
Here’s why:
- IVDD, Hip Dysplasia, and Cruciate Ligament Surgeries can each cost $5,000-$10,000 per leg—so a single major orthopedic issue could use up a big chunk of that $15,000.
- Ongoing Conditions like arthritis or degenerative myelopathy often require lifelong medications, rehab, or alternative therapies, which add up over time.
- Emergency Surgeries (like GDV/bloat, which GSDs are prone to) can easily cost $5,000-$8,000+ in one visit.
If you’re comfortable with some financial risk, a $15,000 limit could work. But if you want complete peace of mind, an unlimited payout (like Embrace offers) might be worth considering.
IVDD coverage differences
- Both insurers cover IVDD.
- Fetch includes more built-in coverage, like exam fees and alternative therapies (e.g., hydrotherapy, acupuncture, chiropractic).
- With Embrace, exam fees require an add-on.
- Fetch covers IVDD but excludes it if a disc in the same or neighboring spinal region was previously treated or showed clinical signs before enrollment or during the waiting period.
Is a wellness plan worth adding?
A wellness plan can be worth adding, but it depends on how much you already spend on routine care and whether the plan’s reimbursement justifies the cost. Here’s how to decide:
When a wellness plan might be worth it
- You already spend on routine care – If you regularly pay for annual checkups, vaccines, flea/tick/heartworm prevention, and dental cleanings, a wellness plan can help spread out those costs and ensure you’re reimbursed for them.
- You want predictable pet care expenses – Wellness plans reimburse set amounts per service, helping with budgeting.
- Your pet needs frequent preventive care – If your dog requires extra checkups, fecal tests, or dental cleanings, a wellness plan could be beneficial.
When it might not be worth it
- You prefer to pay out of pocket – Wellness plans cap reimbursements per service, so they may not save money compared to just setting aside funds for vet visits.
- You only need accident/illness coverage – Since wellness plans don’t cover unexpected vet bills, some pet owners prefer to put their budget toward accident and illness insurance instead.
For a German Shepherd?
- If you plan to get dental cleanings (which help prevent costly extractions later), a wellness plan could be a good investment.
- If you already budget for vaccines and preventatives, check if the reimbursement amounts match what you pay, otherwise, it might not be necessary.
Waiting periods
- Fetch has a 15-day waiting period for IVDD
- Embrace requires 6 months
If you want coverage sooner, Fetch may be the better option.
Choosing the best coverage for your German Shepherd’s needs
Ultimately, the best choice comes down to what matters most for your dog’s long-term care. If IVDD coverage with minimal waiting is your priority, Fetch stands out. If you prefer more flexibility with deductibles and payout limits, Embrace is worth considering.
I’ve broken down Embrace vs. Fetch in more detail so you can compare side by side. You can also check out my guide to the Best Pet Insurance for German Shepherds to see how other top providers compare.
Let me know if you have any questions—I’m happy to help!
Kimberly Alt
ModeratorMany pet insurance plans cover alternative treatments like physical therapy, hydrotherapy, acupuncture, chiropractic care, massage therapy, laser therapy, and more. It can vary by provider, but Fetch and Healthy Paws cover all of the items I listed out in their all-in-one policies. You can learn more about Fetch and Healthy Paws in my comparison.
February 17, 2025 at 2:06 pm in reply to: Trupanion vs. Pets Best – Which One Makes More Sense? #138899Kimberly Alt
ModeratorPremium Increases Over Time: You can expect them from each company. Exact percentages vary based on underwriter requirements, your location, pet’s breed, etc.
Luxating Patella Coverage: Both companies cover it.
Per-Condition Deductible: Trupanion’s per-condition deductible means you pay it separately for each new condition. This can be beneficial for chronic conditions, as you only meet the deductible once per condition for the pet’s lifetime. However, if your dog develops multiple unrelated conditions over time, you may end up paying more in deductibles than you would with an annual deductible plan like Pets Best offers. It just depends on your dog and there’s no way knowing what accidents and illnesses he will accrue.
Claims Processing & Denials: Pets Best claims processing averages around 10 days, but some pet owners report longer wait times or denials for pre-existing conditions. If your claim is denied, it may be worth appealing the decision with additional vet records. This can happen with any insurer.
Either way you go, I’d recommend getting quotes from both companies and reading their sample policies to see which exclusions and coverage details work best for you.
For a full breakdown, check out this Trupanion vs. Pets Best comparison. Let me know if you have any other questions!
February 11, 2025 at 4:01 pm in reply to: Best Pet Insurance for Foreign Body Ingestion – Figo or Lemonade? #138422Kimberly Alt
ModeratorThis is an excellent question. Here’s what I’ve found in each companies’ sample policy but note it’s important to check your policy.
Figo’s Policy on Foreign Body Ingestion: Any Illness or Injury that arises due to repetitive activity that results in Your Pet requiring repeated medical Treatment. After three (3) separate but similar incidents of such Claims, Coverage for these Illnesses or Injuries would be considered or diagnosed preventable, such as, but not restricted, to foreign body ingestions, porcupine quills, fight/bite wounds/lacerations, motor vehicle Injuries and poison ingestions.
Lemonade’s Policy on Foreign Body Ingestion: Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date. For example, the two incidents must arise from similar behaviors, such as the ingestion of nonfood items or potentially toxic substances (food- or chemical-related), the ingestion of human food or pet food that is not intended for your pet, or Injury stemming from repeated contact with species such as porcupines, rattlesnakes, cats, and dogs.
How They Differ
- Figo allows three incidents of foreign body ingestion claims before they stop covering it, considering it a preventable condition.
- Lemonade is stricter, only allowing two incidents within an 18-month period before they exclude coverage for future occurrences.
Which Is Better for Foreign Body Ingestion? If your Dachshund is a repeat offender when it comes to eating things she shouldn’t, Figo gives you more leeway by covering three separate incidents before exclusions kick in. Lemonade, on the other hand, applies restrictions sooner—if your dog ingests something twice in 18 months, future related treatments won’t be covered.
For more details on how Figo and Lemonade compare, check out these resources:
If foreign body ingestion coverage is your main concern, Figo may be the better bet. Let me know if you need more info!
February 10, 2025 at 1:54 pm in reply to: Trupanion vs. Fetch – Which One is Better for My 7-Year-Old Pup? #138220Kimberly Alt
ModeratorHey! I’ve looked into Trupanion and Fetch, so here’s what I found:
Coverage Differences: Trupanion doesn’t cover vet exam fees at all, which can add up over time. Fetch does cover them as part of their standard plan. Fetch uses an annual deductible, while Trupanion has a per-condition deductible. Trupanion’s setup can be helpful for chronic conditions, but if your dog develops multiple issues, you could end up paying more in deductibles over time. Trupanion pays vets directly, which is a huge perk if your clinic accepts it. Fetch requires you to pay upfront and wait for reimbursement.
Claims & Processing Times: Fetch’s claim filing is pretty straightforward, with many pet owners saying it’s easy. Processing averages about 15 days. Trupanion’s claims process is generally quicker, especially with Vet Direct Pay, but some owners report claims being split into multiple conditions, leading to extra deductibles.
Dental Coverage: Fetch covers dental disease (like gum disease and extractions) as part of its base plan. Trupanion covers dental illness but only for canine and carnassial teeth. You can see my Pet Dental Insurance Comparison for more information.
Any Major Fine Print?
Trupanion doesn’t cover alternative therapies without an extra fee. Fetch has a 6-month waiting period for hip dysplasia and cruciate ligament injuries, while Trupanion’s waiting period for these is 30 days.If you want more flexibility and coverage perks, Fetch might be the better fit. If you value Vet Direct Pay and don’t mind higher costs, Trupanion could be worth it. For a full comparison, check out this breakdown: Trupanion vs. Fetch.
Hope that helps! Let me know if you have any other questions.
February 10, 2025 at 1:45 pm in reply to: Looking for the Best Pet Insurance – Fetch or Healthy Paws? #138218Kimberly Alt
ModeratorHey! I looked into Healthy Paws and Fetch pretty extensively, so hopefully, I can help.
Claims Processing: Fetch averages about 15 days for claim processing. It can take longer for more complex claims or if they need to request past health records from your vet. Healthy Paws is usually faster, with most claims processed within 2-15 days.
Premium Increases Over Time: Both insurers will raise premiums over time—this is pretty standard across the industry. Increases depend on factors like your pet’s age, breed, and the cost of vet care in your area.
Joint & Hip Dysplasia Coverage: Healthy Paws has a strict 12-month waiting period for hip dysplasia, and if your dog is enrolled after age 6, it’s not covered at all. Fetch has a 6-month waiting period for cruciate ligament injuries and hip dysplasia, which is shorter than Healthy Paws.Which One is Better for You?
If you want unlimited payouts and faster claims processing, Healthy Paws might be the better fit.
If you want coverage for exam fees, dental illness, and alternative therapies, Fetch gives you more flexibility.
You can also check out a side-by-side breakdown of these two insurers here: Healthy Paws vs. Fetch Comparison.Hope this helps! Let me know if you have any other questions.
Kimberly Alt
ModeratorHey, I get where you’re coming from—labs and joint issues go hand in hand, and insuring an overweight one early is a smart move. I’ve looked into both Pumpkin and Trupanion, and here’s what I’ve found:
- Trupanion’s Per-Condition Deductible – This can be great for chronic conditions (like hip dysplasia or arthritis) since you only pay the deductible once per condition for life. But for something like ACL injuries, if your dog tears both knees at different times, Trupanion charges the deductible separately for each leg. This could add up fast.
- Pumpkin’s Coverage for Joint Issues – Pumpkin, like Trupanion, covers ACL tears, hip dysplasia, and other joint problems in its base plan—you don’t need an add-on. Pumpkin has a 14-day waiting period for ALL conditions, including ACL injuries (vs. Trupanion’s 30-day wait for those). If your dog has any early signs of joint issues, neither will cover it as it’ll be pre-existing.
- Premium Increases Over Time – Pumpkin’s premiums can go up each year (like most traditional pet insurers), but they do have more customization options to help control costs early on. Trupanion is already expensive upfront, but they also raise premiums based on vet costs in your area. If you’re looking for long-term affordability, Pumpkin might be easier to manage.
- Claim Processing Speed – Trupanion is faster (typically 2 days), especially if your vet accepts Vet Direct Pay (which lets them pay the clinic directly). Pumpkin takes longer to process claims (averages 5 days), so you’ll have to pay out of pocket and wait for reimbursement.
Which One is Best for Your Lab?
If you want unlimited coverage, direct payments to the vet, and don’t mind the higher price, Trupanion is solid—just be aware of how their per-condition deductible works.
If you want more plan flexibility, exam fee coverage, and wellness options, Pumpkin gives you more control over your costs.
You can check out my detailed comparison of Pumpkin vs. Trupanion here. Also, if you’re curious about other options that might be a better fit for a lab, this breakdown is helpful: Best Pet Insurance for Labrador Retrievers.
Hope this helps—let me know if you have any other questions!
February 10, 2025 at 11:12 am in reply to: Healthy Paws vs. ASPCA Pet Insurance – Which One is Better for My Pets? #138185Kimberly Alt
ModeratorHey! I’ve looked into both Healthy Paws and ASPCA, so hopefully, I can help a little.
Claims Processing: Healthy Paws is usually faster—a lot of people report getting reimbursed within a few days. ASPCA tends to take longer (sometimes a few weeks), and I’ve seen mixed reviews on their claim approvals.
Coverage & Exclusions: Healthy Paws has unlimited payouts, which is great for serious conditions (especially for a Golden, since they’re prone to joint issues and cancer). But like you said, they don’t cover exam fees. Also, if your Golden isn’t signed up before age 6, hip dysplasia isn’t covered at all. You can check out a more detailed breakdown of coverage between these two providers here: Healthy Paws vs ASPCA.
Senior Cat Coverage & Dental Care: ASPCA might be a better option for your older cats, since they cover exam fees and have a wellness add-on if you want preventive care. One thing to also consider is dental coverage—which is really important for cats, especially since 80% of cats over age 3 develop periodontal disease. Embrace and Fetch have some of the best dental coverage with the fewest exclusions, so it might be worth looking into those if you want stronger coverage for things like gum disease and tooth extractions. You can check out more details here:
Premium Increases: You should expect premium increases from any insurer at renewal. Premiums increase as the cost of vet care increases and underwriters have updated agreements.
If you’re mainly worried about big unexpected vet bills, Healthy Paws might be the better fit for your Golden, since their unlimited payouts could save you in the long run. But if exam fees, wellness care, and flexibility matter more, ASPCA might work better, especially for your senior cats.
Since Goldens are prone to a lot of hereditary conditions, it might be worth looking at other insurers too—this article has a great breakdown of the best pet insurance options for Golden Retrievers: Best Pet Insurance for Golden Retrievers.
Hope that helps! Let me know if you have any other questions or want to explore different insurers.
February 6, 2025 at 4:21 pm in reply to: Figo or Pets Best? More Coverage, Lower Price – Need Opinions #137996Kimberly Alt
ModeratorHey! I was in the same boat a while back. I had Figo for about a year and really liked how easy the claims process was. Their app is super user-friendly, and I never had issues getting reimbursed. The only downside? My premium jumped a lot at renewal, which made me start looking around.
I got a quote from Pets Best, and like you, I realized I could get more coverage for less money. I was nervous about switching since I had no complaints about Figo’s service, but I ended up going with Pets Best, and here’s what I’ve learned in my research:
- Claims Processing – Definitely slower than Figo. Claim reimbursement is currently averaging 10 days, whereas Figo usually paid me within 3 days. Not a dealbreaker for me, but something to consider.
- Coverage & Cost – I was able to increase my reimbursement percentage, annual payout limit, and lower my deductible for a lower monthly premium, so financially, it made sense. Figo includes complementary care in its base policy, but it’s an add-on for Pets Best. Otherwise, coverage is fairly comparable. Figo also has a diminishing deductible (it decreases by $50 each year you go claim-free until it hits $0), which could save you money if your pet stays healthy.
- Customer Service – I haven’t had any major issues, but I’ve seen complaints about long phone wait times with Pets Best. I’ve mostly used email and their online portal/app.
Overall, I’m happy I switched, but if super-fast reimbursements are important to you, Figo might be the better option. If you don’t mind waiting a little longer but want more coverage for less money, then Pets Best is solid.
If you want a detailed breakdown, you can read my full comparison here—it includes everything I’ve learned from using both providers.
Hope that helps! Let me know if you have any other questions.
February 6, 2025 at 4:16 pm in reply to: Considering Lemonade for my pug after being put off by Trupanion’s costs #137994Kimberly Alt
ModeratorHey! I totally get where you’re coming from—Trupanion has great coverage, but the premiums can be really high, especially for breeds like pugs that are prone to certain conditions. Lemonade is definitely a more affordable option, but there are some key differences to consider.
- Coverage Differences – Trupanion offers unlimited lifetime payouts with a per-condition deductible, meaning once you meet the deductible for a specific condition, you won’t have to pay it again for that issue. Lemonade has annual payout limits (ranging from $5,000 to $100,000) and an annual deductible, meaning you pay it once per year, regardless of the condition.
- Dental Illness Coverage – Lemonade requires an add-on for dental illnesses like gum disease and stomatitis, while Trupanion covers endodontic disease and gum disease for canines and carnassials at no extra cost.
- Behavioral Therapy – Trupanion automatically includes behavioral therapy, while Lemonade requires an add-on for this type of coverage.
- Holistic & Alternative Therapies – Trupanion covers Herbal Therapy in its base policy, while Homeopathy and Naturopathy are available through the Recovery & Complementary Care add-on. Lemonade does not offer any coverage for holistic treatments.
- Vet Exam Fees – You can add coverage for vet exam fees with Lemonade, while Trupanion does not offer any coverage for these fees.
- Preventive Care – Lemonade has a wellness add-on that covers things like vaccines, spay/neuter, dental cleanings, and parasite prevention—Trupanion doesn’t offer any wellness coverage.
You can check out a detailed breakdown of how these two providers compare here: Trupanion vs Lemonade.
- Claim Process & AI – Yes, Lemonade uses AI to process claims, and it can be really fast—some people get reimbursed within minutes. But for more complex claims, a human adjuster steps in, and that’s where things can slow down. I’ve seen reports of some initial denials, but those usually happen when medical records aren’t provided upfront or if the claim needs manual review.
- Exclusions & Hidden Fees – One thing to note about Lemonade is that customers say they are very strict about pre-existing conditions. I’ve read customer reviews where even minor past health issues were categorized as pre-existing, sometimes even when there was no vet record indicating a problem. If your pug has had any past medical issues, I’d recommend double-checking how Lemonade might classify them before enrolling.
- Trupanion Deductibles & Claim Splitting – One thing I’ve seen mentioned in customer reviews is that Trupanion will sometimes split claims into multiple conditions, which means you could end up paying multiple per-condition deductibles for the same vet visit. This can be frustrating if your dog is being treated for multiple issues at once, as you’d have to meet separate deductibles for each condition before Trupanion reimburses you.
- Breed-Specific Conditions – Since pugs are prone to breathing issues (BOAS), skin conditions, and joint problems, this is important to check. Lemonade and Trupanion cover hereditary and congenital conditions (as long as they aren’t pre-existing), so things like BOAS surgery could be covered if symptoms develop after enrollment. If you’re looking for the best pet insurance options specifically for pugs, this article has a great breakdown: Best Pet Insurance for Pugs.
- Premium Increases Over Time – Like most insurers, Lemonade raises premiums as pets age, and the increases can be significant. Trupanion also increases rates, but their adjustments are based on state-approved rates and veterinary costs rather than individual claims. Some Lemonade customers have reported big jumps in premiums at renewal, so that’s something to keep in mind for the long term.
If you want unlimited coverage and the ability to pay the vet directly at checkout, Trupanion is worth considering—though it’s pricey. If budget is a bigger factor and you’re okay with annual limits, Lemonade could be a solid choice.
Hope that helps! Let me know if you have any other questions.
Kimberly Alt
ModeratorIt’s great that you’re considering pet insurance now while your dogs are healthy! Both Trupanion and Embrace are reputable companies, but they have some key differences that might explain the price gap and help you decide which is better for you. My Embrace vs Trupanion comparison goes into more details.
Why is Trupanion More Expensive?
- Lifetime Per-Condition Deductible: Trupanion’s deductible is per condition, not annual. This can save money long-term if your dog develops a chronic condition (e.g., allergies, arthritis) because you only pay that deductible once per condition.
- Direct Vet Payments: If your vet accepts Trupanion’s direct payment system, you wouldn’t have to pay out-of-pocket and wait for reimbursement. This convenience can be a huge plus.
- No Payout Limits: Trupanion doesn’t have annual or lifetime caps, while some Embrace plans do (though they offer high limits).
- Stock Market: They are the only pet insurance company that is traded on the stock market, so they have investors who expect quarterly growth on their investments. This investor focus makes it hard for them not to raise prices regularly.
What About Embrace?
- Lower Cost: Embrace tends to have more affordable premiums, and you can customize annual limits, deductibles, and reimbursement percentages to fit your budget.
- Covers Exam Fees & Wellness (Optional): Trupanion doesn’t cover vet exam fees for illnesses or have a wellness plan option, while Embrace offers both as an option.
- Annual Deductible: Instead of per-condition deductibles, Embrace has a standard annual deductible, which resets every year regardless of conditions. This could be better if your dogs have multiple different health issues rather than one major ongoing problem.
- Orthopedic Issues: Embrace has 6 month waiting periods for hip dysplasia, IVDD, CCL injuries, and patellar luxation.
- No Maximum Enrollment Age: Embrace allows all ages for enrollment beyond 6 weeks old. Trupanion limits enrollment at 14 years.
- Teeth: Embrace covers all teeth for dental illness, not just canines and carnassials like Trupanion.
Which One is Better for You?
If you want long-term savings on chronic conditions and like the idea of direct vet payments, Trupanion might be worth the extra cost.
If you want a lower premium, coverage for vet exam fees, and more flexibility, Embrace could be the better value.
Since your Lab is currently overweight, keep in mind that some insurers may exclude weight-related conditions if noted in medical records before enrollment. Either way, insuring them now while they’re otherwise healthy is a smart move! You may find my specific articles about pet insurance for Labs and Corgis helpful.
Let me know if you need help comparing specific plan options. ????
Kimberly Alt
ModeratorIt’s great that you’re thinking ahead for your German Shepherd puppy! Since you’ve had experience with your senior dog’s arthritis, being proactive now can definitely make a difference in the long run. My Healthy Paws vs Pets Best article goes more in-depth. But, here’s a breakdown of how Healthy Paws and Pets Best compare based on your questions:
Coverage for German Shepherds
Both companies offer comprehensive coverage, but breed-specific risks can affect policy terms:
- Healthy Paws: Covers hereditary and congenital conditions, including common German Shepherd issues like hip dysplasia as long as your puppy is enrolled before showing symptoms. However, they have a 12-month waiting period for hip dysplasia coverage.
- Pets Best: Also covers hereditary conditions but with more customizable plans. You can opt for Wellness add-ons that cover routine care, which Healthy Paws doesn’t offer.
Handling Genetic Conditions
- Both cover hereditary and genetic conditions if diagnosed after enrollment.
- Key difference: Healthy Paws excludes hip dysplasia if your puppy is enrolled after 6 years of age, while Pets Best does not have that restriction. If hip dysplasia is a concern, enrolling early is the best move.
Behavioral Issues & Training
- Healthy Paws does not cover behavioral issues or training.
- Pets Best offers coverage for behavioral therapies.
Other Considerations
- Pets Best has a shorter waiting period for hip dysplasia (14 days).
- Pets Best has an add on for exam fee coverage, Healthy Paws doesn’t cover this.
- Pets Best covers dental illnesses like gum disease and endodontic disease, Healthy Paws doesn’t.
- Pets Best has more plan customizations to adjust your plan to fit into your budget more easily.
- Healthy Paws has a solid reputation with high remarks.
- Healthy Paws processes half of its claims within 2 days.
Which One is Best for You?
- If you want lifetime genetic condition coverage and don’t need wellness or behavioral coverage, Healthy Paws could be a solid choice.
- If you want flexibility, wellness coverage, and behavioral support, Pets Best might be better for your pup’s evolving needs.
Since German Shepherds can be prone to hip issues, I’d suggest enrolling early no matter which company you choose. You may also find my article about the best pet insurance for German Shepherds helpful. Let me know if you need help deciding between specific plan options! ????
January 29, 2025 at 4:36 pm in reply to: Is Trupanion worth it? Healthy Paws is cheaper for unlimited payouts. #137217Kimberly Alt
ModeratorBoth Trupanion and Healthy Paws are solid choices, but there are some key differences that could make one a better fit for you and Bear. You can also read my Trupanion vs Healthy Paws comparison for more details. Here’s a breakdown of the major factors you’re weighing:
Cost vs. Convenience
- Healthy Paws tends to be cheaper, but you have to pay upfront and wait for reimbursement. If that’s not a financial burden, it might not be a big deal. This isn’t a huge hassle for most policyholders as it’s the norm in the industry.
- Trupanion pays vets directly only if your vet is set up to accept it. You’d need to check with your clinic to see if they participate—otherwise, you’d still have to pay upfront and wait for reimbursement like with Healthy Paws.
Deductibles: Per-Condition vs. Annual
- Trupanion’s per-condition deductible means you only pay once per condition for your pet’s lifetime. If Bear develops a chronic illness (e.g., allergies, arthritis, diabetes), you’ll pay the deductible once and never again for that issue. But if he gets sick with multiple unrelated conditions, you could end up paying several deductibles.
- Healthy Paws’ annual deductible resets every year, regardless of what conditions Bear has. If he has multiple different issues in one year, you only meet one deductible before coverage kicks in. However, if he has a lifelong condition, you’ll need to meet that deductible every year.
When One Might Cost More Than the Other
- If Bear is generally healthy but might have one major issue (e.g., hip dysplasia, cancer, etc.), Trupanion’s per-condition deductible could save you money long-term.
- If Bear tends to have various minor issues (ear infections, stomach problems, injuries, etc.), Healthy Paws might be better since you’d only meet one deductible each year instead of multiple per-condition deductibles.
Other Considerations
- Trupanion covers behavioral therapies, holistic treatment, supplements, dental illness, and some curable pre-existing conditions that Healthy Paws does not.
- Healthy Paws has a 12-month waiting period for hip dysplasia (if Bear is under 6 years old), which might be a dealbreaker for certain breeds prone to hip issues.
- Healthy Paws has lower premiums than Trupanion typically.
Bottom Line
If you want a lower premium and don’t mind upfront payments, Healthy Paws could be the way to go. If you prefer direct vet payments (if available) and long-term savings for chronic conditions, Trupanion might be worth the extra cost.
Let me know what matters most to you, and I can help you narrow it down even more! ????
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This reply was modified 3 months ago by
Kimberly Alt.
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This reply was modified 3 months ago by
Kimberly Alt.
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This reply was modified 3 months ago by
Jeff Butler.
Kimberly Alt
ModeratorWe’ve tested a bunch of vacuums to see which one handles pet hair the best. Although I don’t have a Husky, my dog has her fair share of shedding. I have the Shark Robot Vac in that article that I run three times per week. Then I also have a cordless Dyson to use as needed. I’m pretty obsessive with having clean floors and can’t stand it when they’re dirty. Those two vacuums work great for my household.
Kimberly Alt
ModeratorHow sweet of you to think of this. Coincidentally, our co-founder, Michelle Schenker, is an artist and she loves doing pet portraits. You can learn more about her here, including where you can find access to her business.
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