How to Find the Best Pet Insurance for Cats and Dogs | The Cat Butler
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- Опубликовано: 27 май 2024
- Today I want to share the knowledge you need to properly evaluate the best pet insurance for you and your pet (Cats and Dogs)!
I will simplify pet insurance to the most important things you need to consider and help answer some common questions you may have.
○ Such as how does pet insurance work?
○ What are the key coverages you need?
○ What to expect in costs?
○ Ways to save money on pet insurance?
○ And is pet insurance worth it?
At the end of the video I will share with you guys which pet insurance I decided to go with and my own personal experience with that company. I will also share why we selected that company and recommend a few other top pet insurance companies from my research.
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► Products featured in the Video
○ Nationwide Pet Insurance - www.petinsurance.com/
○ Trupanion - trupanion.com/
○ Healthy Paws - www.healthypawspetinsurance.com/
○ Embrace Pet Insurance - www.embracepetinsurance.com/
► Ragdoll Cat Breeder
○ Teemo and Arya's Breeder - ragdollsea.com/
► The Stars
○ Teemo - Cream Bicolor Ragdoll Boy
○ Arya - Cream Bicolor Ragdoll Girl
► Hereditary and Congenital Diseases
○ cidd.discoveryspace.ca/
○ icatcare.org/advice/inherited...
► Chapters
00:00 - Intro
01:55 - What is Pet Insurance?
03:38 - How does Pet Insurance?
06:46 - Key Coverages you Need?
09:56 - How much does it Cost?
11:07 - Ways to Save Money on Pet Insurance?
11:59 - Is Pet Insurance Worth It?
14:11 - Best Pet Insurance Recommendations?
► Please Like, Comment and Subscribe!
It would really help the channel out!
DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel so I can continue to provide you with free content each week! 
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Just a tip for anybody who is getting a KITTEN, you can go to the vet for a wellness check-up after receiving the kitten and they will provide you with complimentary insurance plan after assessing that your kitten is healthy. This means that there is no waiting period for accidents and illnesses - your cat is covered immediately! Breeders also have an option to give you free trials as well but consider adopting first :)
Good tip! I didn’t know that was an option! Good to know
Shelters have all different breeds, you could (potentially) get a pedigree from a shelter. I live in the TriState Area so Everything is extremely expensive
LMAO!! That part at 2:25 you can see Teemo (I think its Teemo,) looking at you petting Arya and the gears are just a turning in his head and then BOOM, he pounces on her in the cutest way.. Even looks like it startles you for a half second lol.. So friggin hilarious and adorable!
Oh its the reverse haha, it was Teemo being petted, and Arya jumping on him haha. Arya probably jealous Teemo is having a good time!
@@TheCatButler OMG is that a ragdoll trait? Because if Skarlytt sees ANYONE in the house giving love to another cat she runs over and tries to insert herself into the mix. She gets SO jealous sometimes and it baffles me that she will even try to do this when one of the big cats are getting snuggled and they outweigh her by 10 to 15 pounds lol... Like my moms 23 pound siamese who feels like a small dog when you carry him around, she will jump right on him and scared the hiss out of him to the point we were worried he will smack her but nope. Could it be that Skarlytt knows how big she is going to get and subconsciously knows she will be able to run the show? She already sorta rules the roost around here. She steals the big cats snacks or will nudge into their food bowls even though she’s not supposed to be eating grown cat food. She has this “monkey see monkey do” trait right now where she copies everything the big cats do. Jemma, my moms black shorthair, came over one time and was a little perturbed that her old cat box had been replaced with a Liter Robot and she pooped in the corner next to it. So what does Skarlytt do right in from of us? Poops in the corner right when Jemma was done, copying her lol.. I jumped on that REAL quick and she has never done that again lol.. But its hilarious to watch her work things out and learn new stuff even if they are bad traits lol..
So I was wondering if you could help me.. Maybe point me in the right direction. So I’m having a little trouble coming up with a name for my new male blue bi color kitten coming in a month. His placeholder name is Dale but that doesnt’ sound cute or cool at all for a kitty lol.. I tried to get my friends and family to help but when they came up with names, and you’ll think this is funny, the only names they came up with were Bryce, which is my moms Siamese cats name, the big fat one lol and they came up with Thymo (pronounced Teemo) and I was like “Welp, we can’t use that one.” LoL. Because not only is that your cats name but its also another famous ragdoll youtube cats name, although he has passed away already. I just feel Teemo in any form has been taken already. What makes this even more frustrating is that I am am aspiring writer, I have dozens of baby books I use to name characters in my novels but they don’t seem to help for a cute kitty name. So how did you name Teemo? Is Arya named after Arya Stark in Game of Thrones? LoL. Cause that is awesome if she was. I thought of using a GOT name for my cat. I was going to name Skarlytt, Nymeria after Arya’s Direworlf but my family thought it was too many syllables LOL.. But i like Skarlytt, if you look at her she even looks like a Skarlytt with her Lynx print face lol.. So if you have any suggestions please let me know :).. Thanks!
Haha it maybe a Skarlytt thing the things you mentioned lols. Yeah names are hard. Arya is from game of thrones and Teemo is from league of legends haha. Thought the names were fitting for their personality! Definitely take your time to come up with a name :)
Trapanion - 1st recommended
Health Paws - out of state
Embrace health insurance - for health care
Nation wide - formerly epi but whole pet plan with wellness coverage
Thanks
Good summary :)
Thank you. I had the hardest time finding pet insurance and understanding of it in the past. Great video
I love your vids thank you for helping me!
Thank you for your kind words!
Thank you for the video . I love all of the research you do for these videos love it
Glad you find the videos well researched! I try to explore and learn every little bit of information that can be useful to the viewer!
I usually don’t make comments on videos but felt the need to this time to thank you for making it easy to choose a pet insurance! I have been doing so much research but your video made it so crystal clear! Thank you! Wishing you and fur babies all the best!
I am glad the video was helpful! I had trouble myself when I was looking into pet insurance, so wanted to pay it forward and make it easy for others :)
Exactly! It is the HUGEST gift to save someone time overthinking and over researching. Which tends to happen with those who prepare and think ahead (like wanting pet insurance). There are a million options in life these days. Super helpful video.
Thank you for the info! I don't have insurance for my cat and he's older now but he's very healthy. About 5 years ago I thought I was going to have to have him put down due to a severe medical problem. I couldn't afford the scan the vet wanted to do and wouldn't have been able to afford most treatment options. The vet went with the cheapest scan and treatment option available in hopes that it would cure him and thankfully it did. If I had insurance for him I'm sure it would have been much less stressful.
Hey thanks for sharing your experience! That vet who cured your cat is an angel. Do you know what the medical issue was by any chance?
And lastly thanks for all the support! Really appreciate it!
@@TheCatButler Yes! He had bladder crystals. He was unable to urinate at all and I was very sick at the time and didn't notice the problem until it got bad. She was afraid it was a more serious blockage, but it ended up being cured with antibiotics and specialty food and I had to take him in twice to get his bladder emptied. I'm really careful to make sure he gets enough water now since it was caused by him not drinking enough. All is well now though :)
I love your videos so I'm happy to comment and upvote them when I see them :D
Hey Thank you for sharing your story! I have to be extra careful then to make sure my cats drink plenty of water.
@@TheCatButler my cat loves those continual water supply fountains. I got a cheap well reviewed one on Amazon. My kitty once had a UTI when he was one. I noticed he kept trying to squat random places. Easily fixed with a urine sample and treatment.
@@jessenceq3250 That is awesome that you were able to figure out the issue! A very attentive and resourceful cat parent!
Thank you for such a well put together and comprehensive video!
Jennifer glad the video was helpful for you!
Great information! Choosing insurance can be so confusing, this helps me narrow things down.
Glad the video was helpful!
You are always so articulate and helpful !!! Thank you so much for uploading videos
Glad you found the video! yes its for pet insurance in the US
Hello, I'm a fairly new subscriber and have been enjoying your videos a lot! Teemo and Arya are such beautiful furballs! Looking at them makes me always think of my cat Yuki, who's a white female domestic long hair that I adopted from a local shelter. Your videos are so informative and captivating. Thanks so much for sharing your knowledge here! I currently have Healthy Paws insurance, so I'm glad it's on one of your top 5 recommendations.
I am glad you enjoy the videos! Thank you for the kind words and support! Yuki is a beautiful name and I am glad you got her pet insurance :)
@@TheCatButler thanks, it was my wife who came up with the name (it's Japanese) as it aptly identifies her whiteness appearance haha. I have 2 other cats as well, a Scottish fold male and another female ginger cat that I adopted from the same shelter as Yuki
I wish I sti had pet insurance for my older cat. It would probably saved us a lot of money.
The next cat or dog I'm planning on getting insurance.
Do you know any insurance that covers pre existing conditions?
@@chichirinuriko20 only if its curable for embrace pet insurance, but otherwise almost every pet insurance does not cover pre existing conditions unfortunately :(
@@TheCatButler imagine if they did that for humans. I know they make a lot of money for all the premiums that hardly get used. Smh
@@jessenceq3250 yeah I agree!
Thank You! I'm going to watch important points again to help me. So nice of you to make this video. This decision is overwhelming for me 🤓haha
Yeah pet insurance is indeed difficult! It’s all in the details. Make sure you read everything before you get it. Good luck!
Very informative video! I did a lot of research before going with Embrace for my two kitties, but I still wish I watched this first.
Glad it was helpful!
Your cats are so cute I have a long haired Scottish fold!
Scottish folds are so cute!
I just got embrace right now, I gotta take my two babies in so I thank you for imputing the preexisting conditions as I’m a single cat dad and work retail.
I am glad the video was helpful! your two babies have an awesome dad!
Thanks man, much appreciated 🤜🏼
I’m getting two Siberian Kittens and been looking extensively through pet insurance. I wanted to ask is Spot pet insurance not worth being an honorable mention? I know with Spot they cover everything like nationwide and embrace but Spot has it included. Any response helps
How about if you work for the state
Thank you so much! I have Lemonade for renters insurance. I know they do not cover dental for pets. What is your opinion on Lemonade?
Update: After more reviews have come out Lemonade does honor legitimate claims. Its for people that are looking for a more affordable option and are okay with not having to call customer support, you can still email them.
good question! When I was researching lemonade I think the one thing I didn't like was the lack of interacting with a human for your claims. The pet insurance is also relatively new without a proven track record.
Sadly the thing with pet insurance is once you pick one you would have to stick with them for the rest of your pet's life, so you have to choose wisely. I hope that helps! Do what works for you.
@@TheCatButler might you expound on what you mean by a rate being too late & Lemonade possibly skimping somewhere?
@Jessence Q Hey so when I wrote this comment the product was still relatively new and more reviews have come out since then.
Lemonade Pet Insurance seems to be on the more affordable side compared to competitors (Mine is almost double), but to give you that low rate they don't have like someone you can call on the phone etc. They do honor legitimate claims.
You do have to read the rules carefully, like having the proper documents when submitting your claim etc. Some of the denied claims were pre existing which every insurance company denies and not having all the documentation. Its harder when you can't just call customer service easily to understand or resolve your issue and have to go through email. But if you understand the rules I have seen reviews that lemonade does honor the claims.
In short Lemonade pet insurance caters to people that are okay not having on demand customer support via the phone, but are okay with the affordable rates. Do read everything carefully and do the necessary research.
Hope that helps!
What if you adopt a senior cat that you don't know the medical history of? I'm assuming they won't cover pre-existing conditions even though you didn't know them.
Yeah they may be more picky. Or have your premiums be much higher. I say explore the option and see what the pricing will be. And be upfront with what you know health condition wise. That way you don’t get screwed if they decide not to cover. Hope that helps!
I went with Lemonade :D
Oh that is awesome!
Does Nationwide cover checkups, like blood tests, which you do on your own decision, before the cat has any symptoms? (For example, if I want to check creatinine level, but at the moment my cat is OK).
Or it covers only the blood tests which are prescribed by the vet?
I have their top plan they offer and they cover all that when you add the wellness plan. I get annual blood work for both Teemo and Arya. Just had one done today. I asked the vet to do it. Hope that helps!
i have a couple months old female himalayan kitten. I have an option between embrace and Healthy paws based on all my research. What do you think is better for overall coverage? Or do you think I should use nationwide? Thank you!
Hmm good question! are you planning to get the top all inclusive plan from each insurance provider? Because I found the premium plans for each provider you don’t have to worry as much of something missing they don’t cover.
@@TheCatButler Thank you for your quick reply! Well i’m planning to pick only one good provider. Im just having trouble picking the best one. I spend countless hours, and whenever I decide to choose one I read something else and doubt my choice. What do you think would be the best option for me? Thank you!
@@TheCatButler so what do you think?
@@user-mn8yt4bc5n hey sorry it seems somehow youtube put your comment in the spam section. I would suggest Nationwide. They are the leader in the pet insurance space. I myself use them and they have never let me down, no matter the size of the bill.
@@TheCatButler thank you so much!
Wow... those costs are crazy
Yeah healthcare is expensive :(
I have a 16yo (almost 17) cat who is overweight. This makes me worry that if we were to get pet insurance for him, the insurance company could tie almost any illness back to the preexisting condition of him being overweight. It's looking like there might not be any good pet insurance options for my boy :(
Whats your opinion on pets best? I bought one for my 8 yo dog with unlimited coverage for illness, accidents, rehab, i will pay a deductible of $500 and 80% reimbursement. It comes out to 57 or 59/month.. it says it has dental coverage, pays Dr visit fees and px meds.
Ive tried nationwide, trupanion and they quote me super high with same coverage im getting from pets best. I havent tried the 2nd suggestion though.
Unfortunately I don't have much experience with Pet's Best. I recommend you search reviews on reddit and other sources to see what the common down sides are. And make sure to ask for a detailed document on the insurance plan and if there are any gotchas. And call customer service if they have one to see how responsive and willing to help you are. This will gauge whether they are easy to work with. Hope that helps!
I dont understand pet insurance you have to pay vet before you get paid...im putting money away every month (and whenever i have extra) so in case anything happens i will have it.
Did the immunization price will be covered by the insurance. This is 1st time I am having pet (kitten )at my home I and she is part of our life now, so we took her to veteran but the cost was around 350 riyals and and its huge amount for me. 😭then I stop her immunization 😪
So immunization is usually covered by insurance, but your insurance may have a deductible that you need to meet first!
Who is the breeder of your beautiful ragdolls? I recently lost my beautiful boy who was always by my side and his sister is missing him.
Hey Paula sorry for your loss! I got my cats from this breeder: ragdollsea.com/
Hope that helps!
I am trying to find out what people are paying monthly for senior cats in their teens.
hmm like the monthly cost? it depends on where you live and the breed. like where I live, my cost of living is really high so my monthly would be a lot more expensive than someone in a low cost of living area
@@TheCatButler I have Embrace and pay $35.72 month with $1000 deductible, 90%coverage, $15,000 maximum. He just turned 11 and is due renewal soon. I'm on a fixed income and am afraid of that I've heard people have to drop coverage because the rates go too high when the pet is old. The most important thing to me is to know he will have insurance as he becomes old. With past cats I used my savings to help them in old age. Not knowing which company will be affordable in old age is causing me a lot of stress. I saw the rate go up 26% with the first renewal which shocked me. I was told to expect it to go up 25-35% each year, but on the third year it lowered to about the price of his first year $35.72. The companies will not give me an idea of what it could cost and I asked for a quesstimate. I asked a supervisor at Embrace if she has seen under $100 and under $150 and she said yes to both. Two other companies think under$100, but they are trying to sell to me. Pets Best does have the old age on line illness and accident coverage quotes which for me was $45.90 for age 14 through 20+. I wonder if they would increase the rates anyway. - Reviews say they stall on payments, one person said most claims were paid but she had to deal with the stall tactics. I read a review saying a company doubled rates, one person said in a short time frame it was 4 times higher. I like Embrace but I might have a better chance at affordable life long coverage with Pets Best. However, they both are offering about the same rate for his current age. You said senior cats rates are about $100- is that for any age up to 20 years old? How did you find it is about $100? Thank you.
Hi Lisa all very good questions! Embrace Pet Insurance is very good pet insurance. Since you have so much history with them I recommend you stay with them. A lot of coverage will be grandfathered in. Unfortunately with pet insurance its hard to switch midway. For example I just tried to get a quote from Embrace Pet Insurance with a pretend 20 year old cat and they offered me a bare bones plan and said I was not eligible for a lot of benefits. It was an accidental plan with a cap pay out at $5,000. The price was $10 per month and max $65 with a wellness add on. I used the bay area as reference as the rates here are super high. For example I have the premium nationwide plan and the customer rep said the max they saw for the bay at the time was $200 per month for a very old cat. This was 2 years ago. I think maybe use $200 as a worse case scenario, luckily we have cats and they are not as expensive as dogs.
Yeah the representative you spoke to may not know too much since she isn't the one figuring out how much to raise. But the two reasons why they raise rates is cost of living in your area + age. I use to work in insurance and its hard for a company to make money when they charge low premiums. What usually happens is the company finds out they undercharged and either raises rates by a lot or makes it difficult to get you to redeem your benefits. I say definitely stay away from insurance that is too cheap. I have a friend whose mom has embrace pet insurance in Hawaii and I believe her cats are at least 15 and Embrace has been good to her. I can ask them how much they are paying.
@@TheCatButler Thanks! I was hoping to find another person who had a senior pet with Embrace to see their rate. If she has time, could you ask her to type in a male cat 11 years old history paw cyst, so I can see the rate she gets compared to my area rate. When you asked the max were you talking to the claims department or supervisor, the regular customer service may be less likely to know. Maybe asking the max was a better approach, I would be told by every company there were to many factors that could effect rate so they were very reluctant to give a guesstimate. I can not afford $200. I need it to be $100 or less. I ran some Bay Area zip codes for my 11 year old cat and the rates were close to my rate.
Please also ask her deductible, % covered, and annual limit. Thank you.
Why do people feel the need to have background music that takes away from talking.
i wish more was covered on this topic. I didn't know about this and didn't even know about the cheaper monthly cost to get this. I am now stuck in a wellness plan at my stupid vet. USELESS VIDEO if no one is able to reach this to HELP people who first adopt kittens and don't know a f'kin thing about pet insurance needing to care for their pets. I need to know the COST per month and waht is covered and whether it is cancelable ANYTIME. also there should be emphasis on joining pet insurance if you have a pet. I HAVE SPENT OVER 2K ON MY 2 KITTENS DUE TO IGNORANCE OF THIS IMPORTANT SERVICE BUT NO ONE TALKS ABOUT THIS.
That’s why I made the video. Wish people would look more into this. Most people don’t get pet insurance and then it’s too late :( when their pet has a costly procedure. I had recent subscriber have to spend 5 k on their kitten due to a rare disease. Luckily they had pet insurance and paid not as much. Help spread the word! Pet insurance is an investments. Lastly pet insurance is cancelable anytime. Cost per month is all over the place as detailed in the video on all the factors
How much pets does he have ?
I have two cats with pet insurance
@@TheCatButler i thought i saw dogs too
@@linzixuan29 oh those dogs aren't mine
Nationwide is the worse lol
Hmm in what ways? I have had them for over 2.5 years and haven’t had an issue yet.
My pet insurance on my last dog was GREAT from the beginning! A few years later.. they changed underwriters.. it was $250 deductible PER INCIDENT and next to NOTHING was ever covered again! Pets Best or something. Now I Have MetLife. Best rate! $350, 90%, $10,000. About $43/months for my now three year old tan mix breed!
Thank you. I had the hardest time finding pet insurance and understanding of it in the past. Great video
Glad the video was helpful!