Trupanion or Lemonade or Figo Insurance

[Anonymous]

I am getting a goldendoodle and would like to have pet insurance. I have narrowed it down to Trupanion, lemonade or figo. Any positives or negatives with either?

[Anonymous]

Probably not helpful since it’s not on your short list, but I really have liked pets best. They’ve paid out thousands without incident for my mess of a mixed breed dog.

[Anonymous]

Trupanion has been amazing for us. We have a very old dog with all sorts of health problems, and they have paid 90% of all bills.

[Anonymous]

Anonymous wrote:Trupanion has been amazing for us. We have a very old dog with all sorts of health problems, and they have paid 90% of all bills.

Can confirm. I’ve had them for my sickly Bulldog for 9 years.

[Anonymous]

^Should add…..Just get Trupanion on—literally—day one!

[Anonymous]

Trupanion premium was over $130/month for our dog. We had nationwide for the first year and they paid thousand for a surgery, which was about 50% of the total costs. We switched to FIGO and it’s been good in the past three years. $40/month, $500 deductible, covers 90% for accidents and illnesses.

[Anonymous]

Costco members get a 10% discount with Figo, so that's what we got. I've only had my dog for a few months and have not used it yet. I'm hoping I made a good choice. I do like the options they have for customizing your coverage.

[Anonymous]

We have a goldendoodle and went with Nation Wide on the recommendation of our vet. Best. Choice. EVER!

[Anonymous]

I’ve done the math on our past dogs and found it’s about the same to just put the monthly premium in an account starting when they’re a puppy. But if they are healthy a long time or die suddenly, you might do better.

So I don’t do pet insurance, but we also have ample savings to cover an emergency if the puppy has a crisis early on. If you don’t, I can see why it’s a good idea. But if you do, it’s worth noodling with a spreadsheet.

[Anonymous]

Anonymous wrote:I’ve done the math on our past dogs and found it’s about the same to just put the monthly premium in an account starting when they’re a puppy. But if they are healthy a long time or die suddenly, you might do better.

So I don’t do pet insurance, but we also have ample savings to cover an emergency if the puppy has a crisis early on. If you don’t, I can see why it’s a good idea. But if you do, it’s worth noodling with a spreadsheet.

This is what we do.

[Anonymous]

Yes, no insurance here either.

[Anonymous]

Anonymous wrote:Trupanion has been amazing for us. We have a very old dog with all sorts of health problems, and they have paid 90% of all bills.

+1. Trupanion has been great. Note that they do not cover the exam portion of any incident, but they cover everything else. They totally came through for us for my dog's chemo, an emergency splenectomy, a dental abscess...saved me tens of thousands of dollars. They are very easy to deal with. At most area specialty/emergency vets, they will let the vet know directly during checkout what they will cover and you only pay the difference, rather than having to pay the huge bill and wait for reimbursement.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I’ve done the math on our past dogs and found it’s about the same to just put the monthly premium in an account starting when they’re a puppy. But if they are healthy a long time or die suddenly, you might do better.

So I don’t do pet insurance, but we also have ample savings to cover an emergency if the puppy has a crisis early on. If you don’t, I can see why it’s a good idea. But if you do, it’s worth noodling with a spreadsheet.

This is what we do.

Same. We self-insure. Got our dog as a puppy with a perfect genetic health workup and 5 years in have not had a single issue that would have been covered by insurance, though we would have paid in about 5-6kk at this stage. If the trend continues, we'll be down 10k+ by 10 years, probably more if it goes up monthly with age. We're accounting for expenses for emergencies or end of life but I'd rather manage that money myself than give it to an insurance company. Some win, some lose We noodled with a spreadsheet and decided it didn't make sense.

[Anonymous]

Trupanion- great.
Whatever you pick, make sure there is no yearly cap. Fetch has a yearly cap. You would be very surprised how quickly an injury or surgery can reach 15k inside of a week.