Thanks for the code and great video! We just got kittens and also have an older cat. Pawp sounds like a great pet insurance for our fam.

Is it same price in the UK

I agree

I'll be thinking twice before I get another cat. The cost of food is going way up and my girl is getting old. I'll be needing insurance, but we never had any, so pre existing will be a thing considering her age. Thanks for the info.

Healthcare for people is heavily subsidized

@@juliac3933 well they sure make up for it by charging 28$ for a bandaid

Maybe once we get people insurance prices under control 😄

I agree

Might as well ask why people dental insurance is separate from medical insurance. I researched why that is, and it was a decision made many decades ago when these larger insurance plans were created. Dentists weren't used by most people and they didn't lobby much to be included and here we are today, with separate insurance which many don't have including Medicare.

Glad you found it helpful, Brandy!

What did you go with, and why?

I thought trupanion pays at the time of service not after

I had to put down my sweet cat Isis because I just didn't have money for her surgery. So I'm looking for insurance because I have 2 cats now- If all they do is reimburse me afterwards that is basically useless for major things, which is what I need it for!

Good to hear!

They were great with our rental insurance… when I had someone break into our car and steal all of my work equipment. They covered that, but wouldn’t cover the stereo system. So I’m trying to research the best one for cats

Thank you; I'm glad you think so.

Rita - Pumpkin does offer wellness package as an add-on @$11.95; and their basic plan covers dental surgeries, but not cleaning or any preventive care.

$167 & $133 per month or per year?

@@aureliahall203 That's per-month and I was with them for 11.5 years as of Sept 2nd when my last cat passed away. I used them twice in almost 12 years. I'm now with Embrace. and the cost is $77 a month for both Jasper and Zoey and it's 15K max $200 Deductible and 90% pay. No wellness coverage but it's available if interested.

That's awesome! Glad it's paying off already.

How much is it each month? I have two 5 month old kittens haven’t been to vet yet

what plan did you choose ?

​@@hammypiewhich pet insurance did you end up with?

Any time!

same! that's what is making me lean towards getting Embrace

Their wellness plans seem to be one of the worse to me price wise. You spend and extra 32.40 a month for annual $450 of wellness coverage. In other words, you're spending about $425 a year to get reimbursed up to $450. You save $25. Other plans were only charging $25 at most for similar wellness coverage.

Are you still with lemonade?

Hi, did you get reimbursed for the pre-existing condition? Would appreciate if you reply!

@@murshadasultana3844 no pre existing will never be covered by any insurance

Yes! Let the vet submit the claim

Not available in Canada I believe

I wish I paid more attention to the coverage! I have lemonade and my cat was just diagnosed with dental disease and it wasn't covered. Ahh.. sucks.

​@@stand4truth607is dental an option with lemonade or do they not cover it at all?

I have used Pets Best for my dog and they have been great and I chose them because they have unlimited coverage and honestly weren't super expensive. I don't know how much it would be for a cat but I imagine it's less. Plus they give you a 24 hour vet service which has come in super helpful. My dog had a lot of medical issues this year, that sadly he wasn't able to overcome but the insurance helped so much with all his treatments, medicines and therapies, and they have a preventative care/wellness package too.

I would be careful with Trupanion. I just canceled due to billing issues when I have autopay with my bank. It would say that I am late on payment and to update my information but everything is correct. Just something that I got annoyed with.

I had a hard time finding positive user reviews for Trupanion.

I opted for this but quickly canceled. At a cheaper price, Healthy Paws offered 80% reimbursement instead of 70%, and an unlimited maximum. I can't remember Nationwide's for sure, but think it was $15K. Hard to imagine spending more than that in a year, but Healthy Paws just seemed better.

How many percentage they reimburse for you? I have 4 kittens 3months old all brothers how much it will cost for me for those for 4

How much does it cost for 5? We have two that were feral that are 11 and two that were rescues that are almost 5 and a new kitten about 11 weeks old we found in a field when he was 5-6 weeks old alone and covered in flees. Really need a plan that helps us people out that have taken in many orphans.

@@dlane3529 - all depends on age of each pet and the level of deductibles you choose.

Hope it works out for you!

Hi Audrey- I was just on the website trying to get a quote. Which wellness add ons did you choose?

@@sunnysom7663 when I started with lemonade there was only one preventative option, it's the middle option now, the one that doesn't include dental.

@@audreygroneck8026so you still like the insurance plan?

@@audreygroneck8026 would you say that now in 2023 it’s still a great reliable pet insurance?

@@vixiani I've kept with them and I still love it! My rate has gone up slightly over the years but not bad at all, maybe a few dollars a month with each new policy. I switched to paying annually though and it makes it a bit easier. I really enjoy the experience and the ease of everything, when I have made claims I believe it's gotten approved instantly each time. So I still recommend them absolutely.

I found that Trupanion tended to have higher rates than any of the other providers here, but you make great points. The pre-authorization and direct pay are big selling points.

@@AllAboutCatsYT True, I was surprised by how low the rates were of some of the other companies. I've worked at a specialty veterinary hospital for 14 years and have always loved the way Trupaion will commit to the estimates so the pet parents can start treatment immediately. Also, I've seen multiple clients with multiple pets make multiple claims without being cancelled, having their rates increased or having any cap on bills. And our bills are commonly over $20,000 for hospitalization for critical patients, oncology or emergency treatments. Trupanion even offers 1 month of free insurance after a vet visit. HOWEVER, I would MUCH rather see ANY insurance than just one particular one. It totally CRUSHES me every time an animal has to be euthanized just because the owners can't afford the medical treatments. We do have a foundation to help (very little but some is better than none) and that's how I've gotten all of my animals - most of which are cats because no one will spend money on cats. I can't tell you how many times I've heard people say, "Well, we can always get another free kitten..." AHHHHHH!!!!!!! I've become a HUGE cat advocate. I find people usually do not understand cat body language to even understand how affectionate and smart these animals truly are. Any way, long rant, but I was so happy to see you do this video. THANK YOU!!! I can't tell you how many people come in and don't even realize that pet insurance exists. But sadly, when they get to my hospital, it's too late to sign up for insurance because it's preexisting at that point. I wish EVERY day practice would offer pet insurance in their puppy and kitten packages.

@@aviondakoziarski495 I get you. I have two cats. My daughter has two cats. Love them. The free kitten is never free.

Have you used Trupanion as a consumer?

@@aviondakoziarski495 I was on the phone today with a Rep from Trupanion and they told me that the pets price is locked in forever. Meaning that as they get older, your monthly/yearly price will stay the same. Is it true that all the other carriers don't have this and raise your pets prices every year? I'm looking to enroll my three cats and I'm heavily leaning on Trupanion 🤔

I always had horrible experience with them

@@Kevin-Pdog really??? I honestly never ran into a problem with them but maybe I’ve just been lucky do you suggest any other company that is better for future reference?

@@perecrestok my cat is also 9 years old. I had two claims with nationwide but they asked me to ask the doctors send in the diagnosis notes. My family friends who used healthy paw and pumpkin didn’t have that issue even though we use the same vet.

@@Kevin-Pdog ohhhh good to know. So far I never had that issue and my kitty cat just had hyper active radiology procedure done. All I did is submit it invoices and within a week my check was sent back to me. And after that procedure she had two more follow-up appointments with bloodwork and I also just submitted the invoices. But it’s definitely good to know that can be an issue thank you so much for letting me know

Dogs are usually a lot more expensive to insure

@@juliac3933 true! I got a quote when I got my kitten though and it was still around $50-$60

@Whitney Blue I'm also in Canada and have Trupanion. It was expensive for my dog because he was 13 when I started insuring him but the premiums for my kittens was only about $23 each. Much less than what you were quoted. The thing I love about Trupanion is that for the entire time you have them insured, you pay the premium for the same age bracket as your pet was when you first insured them. So, when my cats are 15, I'll still be paying the kitten rate. Of course, it'll be higher than it is now but that'll be because of rising prices, not their age.

Hi, Grace! I used to have a ragdoll (long haired) and now have a Russian Blue Mix who is double coated. I've always used Iam's hairball and indoor weight management dry food for their regular kibble. That's my go-to to help with hairballs.

Salmon oil, coconut oil, olive oil all work great. Most of the remedies sold in stores are full of mineral oil. Yuck.

Hi! Just spotted this question-so sorry I didn't reply earlier. That's a great request, and for now, you might appreciate our article on the best hairball remedies for cats: allaboutcats.com/best-hairball-remedy-for-cats

@@LuckyFerals Canned pumpkin is also great.

@@shannon2748 - I just started giving my rag doll, long hair, a tea spoon of canned pumpkin (no added sugar) mixed in his canned food once a day to prevent constipation. He has no problem with it at all.

Years ago, we bought a Blueair classic 605 series air purifier. It is relatively large so consider how much space you have to devote to an air purifier. The company Blueair makes various models that are of different sizes. The filters are costly but work well. The manufacturer recommends changing the filters every six months. Our house is a large open floorplan with a kitchen-great room area where we spend a lot of time, and so do the cats. Off of this part of the house is a half bath where the litter pan is located. Rarely would a visitor notice any litter pan odors. We had two Tonkinese that did not shed a lot, and they did not seem to have much dander. When you change the filters, it is surprising to see how much was trapped in the filters. This unit has run basically nonstop twenty-four hours a day, mostly in the middle setting for almost twenty years. We raised the cats from the age of four weeks. One lived to be sixteen, and the other passed just shy of nineteen years old. The air purifier still runs like new. The air purifier we have does accumulate cat hair, and the fan is enclosed for safety, so it can be a challenge to vacuum out all the cat hair at the time you are cleaning it when you change the filters. I figured out if I take the unit out on the driveway to clean it and use high-pressure air from a shop vac, a blower for drying off a car, or even a powerful leaf blower is often adequate to dislodge the cat hair you can't reach with a vacuum nozzle. Over the years, we have raised many litters of kittens in the great room area for a local rescue. Even with multiple litter pans and a house full of little poop machines, the purifier adequately seems to deal with it. My advice is to read the online reviews; there are many, decide how much you are willing to spend, the capacity/size of the unit that makes sense for your home, and your needs. Figure the cost of changing the filters at least every six months. Sometimes you can get them to go longer, but calculate that in your decision-making and evaluate how easy it is to clean and change the filters. Generally, the manufacturers have specifications of how much air their units filter, how large a space each model is designed for, and the size particles the unit is designed to filter out of the air. Another important thing to consider is how loud the unit will be if it is in a room that you spend a lot of time in or in a bedroom where some white noise might be okay for sleeping, but loud noise would be disruptive. Read reviews from people who have purchased units you are considering and see what, if any, negative experiences people have had. Better air purifiers are costly. You want to make sure you are confident that you are buying the best suits your needs.

I believe they just posted a video on this

@@basga63 Yew they did, there is a great deal of information on a variety of websites online, including consumer reports and other groups that test and rate consumer goods.

That's always a concern, isn't it? I'll keep this idea in mind. Thanks!

It might be because most insurances are sneaky and don’t cover for “pre-existing-conditions”

@@Luna-sf7rn covering for pre-existing conditions would raise the price of the insurance to a point where the person with the condition would pay more than their out-of-pocket expenses anyway. Or if that's banned, all the other people who want to be insured will have to partially foot the bill with higher insurance for everyone. But I doubt insurance companies can quantify the risk of subsequent insurance claims for people with one pre-existing disease or another. Predicting normal people and offering a competitive rate is hard already. It would be like shopping for low quality parts for a car without really knowing the odds of it breaking or not. The price is a wild guess

@@tuckercarlsonrules4972 Yeah, the system is just fucked. And they just said "fuck people who actually need the insurance". It's a scam.

@@tuckercarlsonrules4972 And the difference is, any remotely close to an emergency that has happened before to your pet will be considered a pre-existing condition, even diarrhea. It's ridiculous.

@@Luna-sf7rn Everything costs money. Insurance is to hedge future risk. Not to fix a broken car for cheap or at someone else's expense. It may sound harsh but that is simply how it is.

Hi Lisa, I have not done much research on ASPCA insurance, so I can't comment on it. www.thetop10sites.com/pet-insurance/aspca-vs-lemonade

Looks like lemonade slightly beats out ASPCA. But who did you end up going with?

Your expereince is not what not what most good vets would be like. I personally would never use Banfield for many of the reasons you mentioned.

Pretty much all pet insurance will not cover pre existing conditions. If you are in the USA though look up the Care Credit card, it can be used at any health care for yourself and and most vets. Most vets do 6 months interest free above $200, some offer longer, but there are also low interest plans as well.

🙏🏼🙏🏼🙏🏼

I was thinking the same thing that perhaps stacking with Pawp would be a great alternative.

Yes, generally. Insurance premiums go up as your cost of living increases, as your cat ages, and due to a number of other factors determined by the underwriter.

What is your experience with healthy paws?

xD

Who is zaphod in Reference to?

What did you end up with? I'm considering Embrace or Pumpkin because it seems like they have the best dental option coverage because they cover gingivitis.

I went with Embrace, they have a USAA discount :)

@@MichelleW - Good to know, but what is USAA discount?

@@theresa94010 it's a discount that applies to military families

How much are you paying for pets best and how many pets do you have?

Yeah, I got Trupanion because some vets have the program on their system so they cover the bill right then and there instead of doing reimbursement.

I got HealthyPaws.

You can learn about it in our article on the best pet insurance for cats: allaboutcats.com/best-pet-insurance-for-cats

I also want to know which ones cover dental! Been wanting to take my ten cats for dental cleanings, considering paying $90 for a spay & neuter clinic to do it.. but since a few of them are getting "older" (around 9 years old) I'm really debating insurance for them...

Hi Tashanna, dental care is covered in virtually any preventative care package, but no one includes it as a regular part of an accident + illness policy.

Hmm, I'm not sure-you may need to contact Lemonade. They don't cover exotic pets, but I'm not 100% sure about their policy on "exotic" cat breeds.

I think she is sponsored. She has a disclosure for affiliate links in the video description (likely why she selected these insurance plans and is not responding to these comments about healthy paws; I've seen several people ask)

Hi Diana, thanks for the comment. While I'm aware that it's a popular insurance company and have recommended it in the past, I didn't find that Healthy Paws offered a strong array of benefits over the other providers on this list in 2021. It's still a decent choice, but I couldn't find its edge over the others recommended here. This decision was not based on affiliate partnerships, though. @Nexium I'm sorry for not responding to every comment-I used to be proud to reply to every comment on the channel, but it's become more difficult as we've grown. :/

It took 9 months, but we did it! kzfaq.info/get/bejne/rbuFhtZ4sL7UlXk.html&

Hi Tech Man, that's a good question. Yes, some remote vets can write prescriptions if needed, but it depends on the condition. Some require in-person examination. I also appreciate the feedback on the video and will keep that in mind if this video is ever updated.

I didn't care for Trupanion's per-condition deductible, and I couldn't find any case in which it might end up being a better deal than the competition.

The good thing about the per condition deductible with Trupanion, though, is that it isn't a yearly deductible. Once you pay the deductible limit for that condition, you never have to pay it again. At least, that's the case in Canada. It works well if you have a cat with an ongoing medical condition but not so much if your cat suffers from a bunch of different things. My elderly cat is on PetPlan and the $1000 deductible is reset every year. This is the first year that I've ever gotten reimbursed from them. I only keep the insurance because I don't want to be forced into euthanizing her when expensive medical treatment could keep her healthy and happy for longer.

Hi there! I don't know much about the European pet insurance market, so you might want to get information from someone who knows more. I'd recommend looking for reviews of pet insurance providers in your country. Sorry I couldn't give a better reply.

And I’m really nervous I’ve been overthinking this sadly I have no one to look after him..

Please I need a reply by tomorrow it’s gonna be later

No. Get a cat sitter. Geez.

@@NationStyle he made it out alive 😂

@@NationStyle he is healthy nothing is wrong with him thank god

But thank you for vid!!

Oh no! Hope he's feeling more relaxed after that.

Rates tend to increase, and companies disqualify senior or geriatric cats from getting new plans.

I just purchased Lemonade for my cat and he is 9! It is 45/month which is certainly more than for a kitten but less than what other providers offered. Some other plans were in the 70’s. But they all did offer coverage.

​@@ashleyledbetter704do you still like lemonade?

I hate to ask, but what did you end up doing?

@@kurtreber9813 I found a vet way out in a country town who, after giving her an exam and looking at the previous testing, gave my cat a super shot of antibiotics. Total bill was $85. In a day she was noticeably better and after a week back to normal. She is still doing great! It was a real spot to be in and I was advised by many to let her go. Vets are way too expensive in the city, and I'll never go that route again. Vets have turned into a money-making scam here and they only care about money, not your pet.

So you're saying you like Trusted Pals even though their wellness plan is a scam? I'm confused

@@kurtreber9813 Hi. Shopping around I realized all the wellness plans were broken down into different categories and the amount they would pay. And their plans were about an additional amount of $12.00-$15.00/monthly...about. So unless you use every one or almost every one of those categories for your pet, you'll be losing money or just breaking even. I explained this above. Trusted Pals Wellness Plan is not broken down into separate categories. Maybe I shouldn't have used the word scam against other pet insurance, in that sense. I just got lazy that time with my thinking. It's out in the open to see so it's not a scam in that sense. BTW TP is taking no new policies. They'll be closing down soon or already did. One thing really important. Most pet Insurance (and insurance generally I think) first subtract the deductible from the bill and take the percentage (80%, 90% or whatever) of that to yield the payout to the policy holder. There's one pet insurance that does it the opposite, multiplying the percentage times the bill and then subtracting the deductible. Doing it this way, the payout is significantly less. This pet insurance company advertises all the additional perks they offer. But their calculation method is actually offsetting the additional costs of their "additional perks". I guess a lot of people don't know any better and are not informed in this area of insurance. I called up some pet insurance actuaries and they said there's no legal requirements for these computations. Take care...

I wasn't really impressed by Nationwide-you can learn more about it in our review here: allaboutcats.com/best-pet-insurance-for-cats

It’s a toss up. If you have issues while young then you will have coverage. Once they get to certain age, they become uninsurable I believe. Lemonade rejected my 16 yo cat

@@markkimmerling4251 wow…

just so you know the older the cat the more you will pay. mine went up to 74 dollars for 2 cats 7 years old its was below 50 last year

It is definitely necessary to get insurance no matter how young and healthy they are. It’s really better to pay just few hundred dollars for a whole year than thousands or even more in a few years. I use petsbest insurance for only 28 dollars a month. It covers accidents and illnesses 100 bucks deductible 90% reimbursement. You can always get cheaper insurance with more deductible and less reimbursement. It’s just always better to have insurance.

To be honest, pet insurance is really cheap when they are young. I don’t understand why people are struggling to pay a few bucks in a month while they spend more on takeout food for once or twice.

Interestingly, Costco offers a pet insurance plan in Canada but not here in the states.

PetCare which is actually PETWATCH in the U.S. but DONT get this under Any circumstances,,I was with them here in Canada for 16!!! Years and boy did their service,,especially customer appreciation service go down the tubes,,,was paying 204.00 plus with a 150.00$ Canadian deductible,,,in order to get the price of my dogs steroids at ( the time anyway) ..48$,,UP to that 150.00 deductible,,I figured I should add it up slowly each time I bought his meds,,but no,,,you are supposed to send in the claim for the medication Each and every time you purchase or go to the vet,,,anyway,,I sent in 11 claim forms my poor vet had to fill them all out,,I figured if I sent in Over the deductible amount it would be smarter idea,,, so after 48.00 times 11 PETWATCH so kindly sent me a cheque of 7.04$ Canadian. I was so shocked and livid ,,I immediately called them up,,,I said I felt like no longer using them and they answered back. OK and hung up...I was left holding my phone calling out Hello.Hello?? You all tell me what’s wrong with this story and picture...

Up to this deductible amount I submitted 11 claim firms,,my poor vet having to fill them all out,,,because I thought it better to submit over that 150.00 deductible,,,my dogs meds were 48$ each time ( a few years ago)

So 48.00 times that many claim firms and yes I neglected to mail/fax in each claim every time I went to the vet,,,regardless I received the incredible amount of 7.04$ Canadian back,,I was livid,,called them right away

And told them,,I don’t even feel like being wuth you as an insurance company anymore,,,they said OK and hung up,,,16 years and I was truly,honestly treated like that,,left holding a beeping phone. Don’t USE them

How is this helpful? Why not explain why you made this comment so that you can be a help to the cat community rather than just throwing out vague negativity?

Can you elaborate on why?

Did you get insurance?