Adventures with Ryan: Finding Pet Insurance for Liza
Starting the Search
I started my search by putting in Liza’s details, she’s an 8-year-old German Shepard in generally good health. Rather than talking about general experiences, I thought I’d share my specific experience in March 2020 looking for insurance for her. It’s important to note that dog health insurance varies A LOT by the specifics of your dog, breed, age, location and pre-existing health conditions as well as levels of coverage and reimbursement (i.e. the ranges can be between 50%-100% although 70% and 80% are most typical). I started with the list of highly recommended plans from my team at Wild Earth and also from my friends and family. I’ve included my top 5 in no particular order. *Wild Earth does not endorse any of these options, this is just my experience*The Options
PetPlan- PetPlan came highly recommended but ended up being VERY expensive compared to the other plans. My lowest offer was $136/month-$300/month for 80% reimbursement. It seems like a good plan but I’m guessing they’re not trying to attract pet parents with senior dogs like Liza.
- I was super impressed with Figo, starting at between $60 to $70 per month (with 70% reimbursement and options for additional coverage, they felt far more flexible and cost-effective than a lot of the other plans and I also love the live vet feature 24/7, it brings a big peace of mind and feels much more suited to the smartphone era we’re all in.
- It was kind of a shocker, it came most highly recommended but at between $179 to $330/month it came out to be the most expensive insurance quote that I got during my search but it did have comprehensive options and lots of great reviews.
- I really liked their quick and easy interface and they were about the same cost for coverage (around the $90/month cost). A nice, simple plan that’s apparently also great for pet parents that have multiple pets (both dogs and cats)
- It seemed really reasonable for 80% reimbursement with a $5k limit at $85/month. A nice and really solid plan! I love the ASPCA and their mission and I think it’s a great all-rounder plan
So what did I choose?
The winner was FIGO for me and Liza, I went for 70% reimbursement with a $10k cap. I’m actually really excited to get started and to have easy access to a 24/7 vet feature. Several members of the Wild Earth team recommended it and honestly out of all the plans it felt like the most technologically advanced plan. I also really like the founder of Figo, Rusty Sproat who clearly cares a lot about pets and bringing the best technology to service all of his furry customers and their pet parents.
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