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Message: [QUOTE="UConn Esq, post: 3807376, member: 273"] So I have 3 dogs. Two are insured and one isn't. My Husky has HealthyPaws and I have had nothing but good experiences with them except that the rate does go up. This may seem obvious but its not always fair. I started at $30 7 years ago and am at about $55 now. I will just randomly get an email saying my rate is going up whenever they want regardless of the last time I filed a claim even (sometimes multiple times a year). Also every time I moved the rate changed and not for the better. Once I moved from Manhattan to the suburbs and my rate somehow went up like $8 a month. Like, what, how? But otherwise they are very easy at submitting claims and I usually am reimbursed within a week of the claim. My Black Lab has Lemonade. They seem more organized and have a great app. They are a newer company and very good overall. Lemonade is really competitively priced and so far have never changed their rate on me. I pay about $35 for him with the same policy limits and structure as HealthyPaws. I recommend both but give Lemonade the edge. My third dog is really my wife's dog that she had before we met and she never insured him so we never signed him up thereafter. His vet bills are obnoxious and I wish she insured him. Pet insurance is definitely not a scam and I have been reimbursed for vet bills that have paid for my entire year sometimes. The bottom line is this, if anything really bad happens to your pet you will be reimbursed for the emergency care and treatment. You will pay for the every day stuff, the vaccines, the yearly checkups. But if something major happens and your dog needs x-rays, stitches, surgery aka "The Big Ticket Items" you will be reimbursed. There is something nice about knowing that if anything truly bad happens I can get that money back or don't have to be influenced by the cost of treatment. There could be a year or years where I never submit a claim but then there have been times I have been reimbursed thousands. If you are going to get insurance (which you should) make sure you have a yearly deductible (not per visit). I recommend $100 or $250 yearly deductible with 90% reimbursement and make sure the cap is at least $15,000 (if at all). [/QUOTE]

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