Pet Insurance 👉 Is it REALLY worth it?? 🤔 Here's the sad truth...
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Күн бұрынIf you've ever considered pet insurance, or looking for the best one, this video is for you! Spoiler alert: we use Trupanion! LEARN MORE about them here: bit.ly/TrupanionFusaro
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@RachelFusaro 3 жыл бұрын
Sending a new email soon with some fun updates! Join here: www.rachelfusaro.com/contactme Also… THANK YOU FOR 200K!!! We did it. I’m truly amazed by your kindness. Thank you 🙏
@f1_swiftie 3 жыл бұрын
@ferpz968 3 жыл бұрын
hope your cat is doing fine at the moment
@Jordan-W 2 жыл бұрын
You make some very valid points, but in my opinion you really should make it clear at the beginning that this video is a paid promotion by the company your you are recommending. It is a bit deceptive starting the video saying this is your honest and truthful opinion, without also disclosing your getting paid for it.
@AlbertSimonMosesIII 4 ай бұрын
My thoughts exactly.
@jaretprahl6182 3 ай бұрын
this is why i read the comments as soon as the video starts, TYSM!
@reighanrosette 2 жыл бұрын
My heart broke when i couldnt afford a life saving surgery for my cat... it came out of nowhere and she was young.. i never would have imagined going through that.. i failed her and never forgave myself. I wont get another pet unless i get pet insurance, EVER. Please listen to her 💔
@jdh127876 Жыл бұрын
You did not fail her.
@MariaFernanda-zd6ex Жыл бұрын
i’m so sorry love, it wasn’t your fault, get another one and let it help this pain heal 🤍
@ScottB0107 Жыл бұрын
My wife and I were in the same situation. We recently had to say goodbye to our Little Girl. 8 years old, unexpected serious condition. No clue what happened. Pet insurance never crossed my mind. I wish it would have. I would of went bankrupt to see if she could of been saved. I miss my Little Girl so damn much. Our next girl, I will definitely be getting pet insurance right away!
@viperblackjewel3915 9 ай бұрын
You still need to pay upfront and wait MONTHS for them to decide to reimburse you or not.. So sorry for your lose but you not getting insurance didn't kill your pet. Don't beat yourself up
@Janna.M 3 жыл бұрын
Thank you for this reassuring video! We got pet insurance for our 12 week old puppy and some people in our lives have been skeptical about it but I’m confident now we made the right decision. 💛 Small cost to pay for the peace of mind it provides.
@RachelFusaro 3 жыл бұрын
Thank YOU for going with your gut for your pup. Hopefully, you’ll never need it. That would be best case. But if you do, the last thing you’ll be worried about is the cost 🙏
@magnumpi28 Жыл бұрын
You going to pee your britches when your rates go up drastically.
@denson1951 3 жыл бұрын
I just got my new puppy and your videos have helped prepare me to train her. She is my 2nd puppy. Our first dog was Molly, a Lab, and she lived to age 16.5 and she passed away in 2019. She was a lovecake♥️I knew practically nothing when I got her. I feel so much more prepared this time. Wish me luck!
@marissaward2661 3 жыл бұрын
I was so worried that you were gonna preach not having pet insurance lol, getting pet insurance was the best decision I ever made for my puppies! It is so nice to not have to worry about having thousands sitting around just in case of an emergency! Before I realized it was necessary my little heeler broke his leg and we paid an insane amount for them to just be like "🤷🏻♀️ give him meds and keep him in his kennel"!
@dannyyoung8061 2 жыл бұрын
What insurance do you have ?
@magnumpi28 Жыл бұрын
@@dannyyoung8061 Pet insurance is a scam, Run!
@viperblackjewel3915 9 ай бұрын
Every pet insurance available to me you have to pay up front anyways...and wait MONTHS for them to reimburse you
@KrystalessR 8 ай бұрын
I disagree that pet insurance is useful, at least for most dogs. For one, if you get your dog on insurance at an older age (past like a year or two) those companies will dig through that dog's medical records attempting to find proof that what you are asking them to cover is pre-existing. Even if it isn't pre-existing, if they can find some way to make it seem it is they'll do it. Let's say you get your dog on insurance as a puppy so that there aren't medical records for them to dig through. Let's say you have 2 dogs and it starts out at say $20 per month, then every year it goes up $5 per pet per month (of course if you utilize the insurance, just like car insurance, your premiums will go up even higher even faster, so $5 is conservative). If your dogs live to be 10 years old that's around $13,000 you've given this insurance company. Even then, the more claims you make as your dog gets older the more the company will likely still start requesting "more medical records" even if they have all the records that exist. They want to deny your claim, insurance is rarely your friend. I think the better decision is to build your credit score, get the lowest fixed interest rate credit card you can find and save it for vet care. In the meantime, while they're younger and you're not likely needing much more than annual visits, start an emergency fund just for the pets. I would bet that would get you ahead in 99% of situations versus blinding paying for pet insurance.
@erinsheridan4593 2 жыл бұрын
Thank you for the info, and for that towel game! I did that for feeding part of my pup's breakfast yesterday. She figured it out pretty quick, but still seemed to really enjoy it.
@joellespallasso7800 3 жыл бұрын
Rachel, you are a life saver! Thanks to you we are so ready for our puppy "Crumble" to come home to us tomorrow ❤️
@RachelFusaro 3 жыл бұрын
Cutest name!!! Crumble 🍪 how fun, and thank you. You’re gonna do awesome!
@Yarenii._ 3 жыл бұрын
ahh! I love your videos! They always teach me something new! Congrats on 200k also! Very well deserved!
@RachelFusaro 3 жыл бұрын
My day = made. You’re so kind and i app this greatly. Thanks so much 🙏🙌
@sandyland7474 2 жыл бұрын
Thank you so much for treat n towel idea. Due to my chronic illness, Jax(snorkie) limited to his walks. We now do this everyday or more sometimes. He luvs it! Thank you❤
@IreneYam1 Жыл бұрын
I’ve gotten pretty lucky with my two past dogs and thankful for your video, heartfelt, informative, rich and real-world examples and tips. My pup is biting, so will try the towel roll with minnows, but will freeze it a tad to sooth her teething!
@zengrl777 3 жыл бұрын
Great advice! I learned the hard way. I adopted two kittens and thought they're young I don't need insurance yet, but then they started having a chronic health issue early on and it was too late as it was now preexisting. I spent so much money over the years due to their health issue. When I adopted my rescue dog the first thing I did was sign her up for insurance. I haven't had to use it in the 5 years I've had her, but it gives me great comfort knowing we have it if something does go wrong.
@RachelFusaro 3 жыл бұрын
Thank you for adopting ❤️ and such a bummer your babies were sick, I’ve been there. It’s so tough 🙏 I’m glad your 🐶has been healthy! That peace of mind is huge
@magnumpi28 Жыл бұрын
Run from pet insurance!
@sirat4840 3 жыл бұрын
I love your videos so much they are so fun and helpful also congrats on 200,000 subscribers!!
@RachelFusaro 3 жыл бұрын
Thank you for this comment, it brings me great joy. I appreciate you
@okktinaaa 3 жыл бұрын
hello! is it normal for your goldendoodle to be a grey-ish color at 2 weeks?
@smith5o7 Жыл бұрын
i have pet insurance but i feel like every time i submit a claim now they cover less and less really makes you consider if its even worth having
@johnwilkes8847 3 жыл бұрын
My dog kept ending up in the vet so I finally decided to get him insurance 3 years ago. Since then he's only needed rountine check-ups and vaccines lol. Oh well, it's nice having the peace of mind
@sequoiac6223 3 жыл бұрын
The best thing is when you don’t actually need insurance. That means things are going well:)
@RachelFusaro 3 жыл бұрын
The peace of mind is worth every penny to me! Pet insurance paid for itself in my lab’s first few years of life bc he was sick often & injured his elbow in agility class 😔 he’s fine now, but that was when I was super sold on it (this was 11 years ago!)
@RachelFusaro 3 жыл бұрын
@@sequoiac6223 what a wonderful perspective ✨
@richardeckard3825 2 жыл бұрын
What does it cover? Ever pet visit?
@johnwilkes8847 2 жыл бұрын
@@richardeckard3825 It depends. They usually provide you with a pamphlet showing everything that they'll cover. Usually exclusions include elective surgeries or holistic treatments, or treatments for things like dog fighting, or from habitual behaviors IE your dog always breaks teeth bc they always chew on rocks. My plan does not cover normal check ups or vaccines. It does cover unexpected vet visits due to injury/illness, etc. My plan is setup so I pay the first $200 (deductible) and then they cover 90% of all expenses after that. I was able to choose what deductible and how much I wanted them to cover after the deductible. There is a wellness plan you can add on, I honestly dont remember the details too well, but IIRC if you have records of regular vaccines, checkups, etc. then they reward you by lowering your deductible or something like that.
@ariannanipin 3 жыл бұрын
congrats on 200k! you deserve it
@RachelFusaro 3 жыл бұрын
We did it!!! Can you believe it?! ❤️😍
@esmaebarnesblackburn7516 3 жыл бұрын
love watching your videos, helping me prepare for my pup Tiggy in 2 weeks keep doing what you’re doing!!
@RachelFusaro 3 жыл бұрын
Love that you’re preparing early, you’re gonna do awesome!! And thank you so much ❤️
@deeferan7467 3 жыл бұрын
I’m applied trupanion before we pickup our puppy, than the deal off because she tried to sell LA brand dog food and vitamins shampoo, while we were otw to pickup the dog in Florence OR. Now we are waiting probably next June 4 pickup date my mini Aussie locally. Idk I should get it or not again with trupanion?
@OneHeckOfARide 3 жыл бұрын
It is too expensive. Check out PetPlan.
@Gemigirl 10 ай бұрын
I will be getting my Great Dane puppy in a few weeks. I just signed him up for pet insurance. I am so happy that I've found your channel!
@madeleine363 2 жыл бұрын
Do you think the “premium” coverages are worth it more than a “basic” coverage plan?
@f1_swiftie 3 жыл бұрын
Oh no, I missed the premiere! Regardless, I love this vid! It was so helpful. Thank you so much for all your help, Rachel!
@RachelFusaro 3 жыл бұрын
We missed you at the premiere but so happy to see you here. You’re so dang kind it just fills my heart ❤️❤️❤️ tysm
@f1_swiftie 3 жыл бұрын
@@RachelFusaro Missed you all too! That means so much to me, you and your vids fill my heart!!!
@maxm1584 2 жыл бұрын
What's the oldest age that the insurance is willing to insure? I know if they are too old, they won't insure it
@trailmix_grapedog1913 3 жыл бұрын
CONGRATULATIONS ON HITTING 200K YOU’RE AMAZINGGG 🥳❤️
@RachelFusaro 3 жыл бұрын
Couldn’t have done it without you my friend ❤️
@SaraMarotto Ай бұрын
My 5 year old dog suddenly became very listless and was having trouble breathing. Took her to the Emergency Vet and after testing found she had cancer that had metastasized to her lung. Rather than put her through two horrific surgeries, chemotherapy and radiation, we let her go. The cost for diagnosis, oxygen, pain meds, X-ray and ultrasound came to around $7,500. Thank goodness we had pet insurance.
@anyakunder 3 жыл бұрын
Hey @Rachel Fusaro any tips on resource guarding? My dog doesn’t allow me to open her mouth when she has something in her mouth to take it out.
@RachelFusaro 3 жыл бұрын
Yes! First always practice caution and work with an in person trainer with any concerns bc it can be dangerous. For me, when I had resource guarding fosters (which was often), we worked first on boundaries which means structure and routine in the day. Hand feeding meals if possible and working on cues and commands several times a day - this set the expectations and built that mutual respect ❤️
@loreshavalherio6558 2 жыл бұрын
Oh my. I'm still debating my future pet. I had 1 cat in my entire life. When I was a kid. Then I grew up having dogs. My last 2 dogs I had to put down. 14 yrs old a pom/poo and 10 yrs old cocker spaniel. It's hard when you loose a pet. Pros and cons what pet is best dog or cat?
@ibckibibiconner3768 3 жыл бұрын
So does this cover regular visits ie shots etc
@venkatramcharan999 Жыл бұрын
Trupanion does not cover any preventative care or initial vet visits though, which are essential in the early days to months of adopting a new pup.
@Tee1andonlee 3 жыл бұрын
CONGRATS ON 200K🎉🎉🎉
@RachelFusaro 3 жыл бұрын
Couldn’t have done it with you ❤️❤️❤️❤️
@taylorcoy3391 3 ай бұрын
Hello my dog had worms we got that taken care of I’m trying to get the parasites off his fur he can’t lay on any of my furniture I don’t know what to do it seemed like you were having the same problem what did you use
@franciscodelatorre7434 3 жыл бұрын
Hey I love your videos soo soo much and can’t wait to get my puppy and use lots of your tips so, I can give it an amazing life. Would really love to see a treat video from you.
@RachelFusaro 3 жыл бұрын
OHHHHH ok I’m so down for this. Yessss ❤️❤️❤️
@mariabennett1151 3 жыл бұрын
Yes they do. My daughter saved a lot of money on her doodle when Luna got sick. Trupanion was a life saver. 🐾
@RetrieverTrainingAlone 2 жыл бұрын
For labrador retrievers pet insurance is ~$30 per month which totals to ~$3,600 over 10 years. By "self insuring" and not investing in pet insurance, I've saved over $29,000 for the 8 labs I've had over the past twenty years
@callravik Жыл бұрын
@@RetrieverTrainingAlone what do you mean by "self insuring" ? I am a new pet owner, like to know.
@RetrieverTrainingAlone Жыл бұрын
@@callravik I don't purchase pet insurance thus saving over $3,600 during the life of each of my labs. I save even by paying out of pocket for any vet bills when they come up.
@callravik Жыл бұрын
@@RetrieverTrainingAlone how about catastrophic coverage? That would cost you several thousands of dollars, isn't it? I know several pet owners opting for euthanization for lack of money (inadequate insurance coverage or lack of insurance).
@RetrieverTrainingAlone Жыл бұрын
@@callravik I pay for whatever vet bills come up out of pocket. By not purchasing pet insurance, I've saved over $30,000 over the past 30+ years of working labrador retrievers.
@sandracornejo3138 2 жыл бұрын
What if my holistic vet doesn’t get insurance?? Will it make sense for me to have insurance? Why?
@asht9066 3 жыл бұрын
What if your pet has unfortunately been diagnosed with a certain disease and you’ve just found out about it? I had no idea pet insurance was a thing but my exotic pet is young and was recently diagnosed with a disease. After paying the full cost of his emergency visit, I found out about pet insurance but I’m thinking that it’s too late to have it. Would you still recommend getting pet insurance if your pet had already been diagnosed but is still young? Or is it not worth it anymore?
@Jusznani 2 жыл бұрын
Pet insurance doesn’t cover Pre-existing conditions but I know the insurance called ( ManyPets )will cover a pre-existing condition if your pup has been symptom free for 18 months I believe but I think it’s worth getting the insurance just in case something else pops up
@ppmustang1 3 жыл бұрын
Totally agree, just had $15,000 (and counting)in vet bills for my 6 month old puppy! Thank goodness I had pet insurance.
@RachelFusaro 3 жыл бұрын
Oh no! I’m glad you had insurance but sorry to hear you’re dealing with that. My heart seriously goes out to you. 🙏❤️
@urbanpelon 2 жыл бұрын
What pet insurance did you have?
@RetrieverTrainingAlone 2 жыл бұрын
For labrador retrievers pet insurance is ~$30 per month which totals to ~$3,600 over 10 years. By "self insuring" and not investing in pet insurance, I've saved over $29,000 for the 8 labs I've had over the past twenty years
@AB-fv4tr 3 жыл бұрын
I didn’t look into it and it was too late… I wished I would’ve looked into what pet insurance was. We thought everything was fine and our dog was fine for 12 yrs until that moment and it broke our hearts.
@katthekat21 2 жыл бұрын
hi! I am thinking about getting my two mini dachshunds, ages 5 and 2, trupanion. I trust your videos and I'm glad I came across this! I was wondering if you could speak to your experience with how often they deny claims. I am definitely drawn to the fact that they pay the vet directly if the vet has their software. I just dont want to be surprised with a huge bill suddenly because they denied it at checkout
@Jusznani 2 жыл бұрын
I’m currently shopping for insurance for my pups trupanion is on my list but I never thought about them denying a claim 🫣 I’d like to see a video of this as well
@peep3616 Жыл бұрын
I know this is old, but for anyone else watching, I have Trupanion for a cat with chronic issues (URI, pneumonia twice, skin allergies / EGC, emergency foreign object scare that turned out to be nothing - all in a 1 year old cat!) and have never had a claim denied. However, their billing isn’t the best. When my cat was in the process of getting diagnosed with EGC, they billed the various symptoms (ulcer, infection of said ulcer, medication for general allergies) all under separate things - meaning I had to pay separate deductibles for each symptom instead of the illness as a whole.
@virig2309 3 жыл бұрын
Can you please explain grain free vs dog food with grains? So confused. I have a 9 week old goldendoodle and we’ve been feeding him Stella and chewys dehydrated raw but it’s “grain free” does our puppy need grains?
@RachelFusaro 3 жыл бұрын
LOVE that you asked this. I am going to do a video on this, but net, I am a STRONG believer that dogs do not need grains - ever. They’re carnivores! Ideally dogs eat a biologically appropriate diet which is raw, fresh food. Here’s more on that! m.kzfaq.info/get/bejne/ft59qZmFls_RYZ8.html
@virig2309 3 жыл бұрын
@@RachelFusaro thank you for replying! We recently bought him oc raw cause of your videos! Everything you post is so helpful ☺️💖
@krehbein 2 жыл бұрын
My vet told me there’s a link between grain free food and heart failure.
@RetrieverTrainingAlone 2 жыл бұрын
For labrador retrievers pet insurance is ~$30 per month which totals to ~$3,600 over 10 years. By "self insuring" and not investing in pet insurance, I've saved over $29,000 for the 8 labs I've had over the past twenty years
@Ohaithurr92 2 жыл бұрын
It's like human health insurance, you may not need it, but if you do, it's good to have. Self insuring would be nice, but let's say you got a $12k vet bill during the 10th month, your self insuring won't work.
@errrika90 2 жыл бұрын
What % coverage and deductible do you recommend? I have Trupanion 90% coverage with 200 deductible and am wanting to bring the price down
@karencornejo5369 Жыл бұрын
Is trupanion worth it? Does it it covers emergencies? Such as foxtails or the dog swallowing something etc?
@orianasalas8195 3 жыл бұрын
Thank you for this video! We have a 1 year old border collie/corgi and this is his second time getting pneumonia since getting him. Unfortunately our vet suggested if he gets it again, to start testing for an auto immune disease. My boyfriend and I are heavily considering getting pet insurance for both of our dogs and after watching this video, I feel reassured they will be taken care of.
@krehbein 2 жыл бұрын
Insurance won’t cover preexisting issues.
@Jusznani 2 жыл бұрын
Try a holistic veterinarian for your pup that keeps getting pneumonia, they are wonderful !
@Gotthisone 3 жыл бұрын
I've been looking forward to this video. 🐶🐶
@RachelFusaro 3 жыл бұрын
Hope you enjoyed it ❤️
@briannaperea70 3 жыл бұрын
Thank you sooo much for making this video!!
@RachelFusaro 3 жыл бұрын
I’m just glad to help those that may really need this. It’s saved me several times! Thank you for being here ✨
@KatrinaDancer Жыл бұрын
My 1st dog I didn't have insurance and I went into serious debt for him. My 2nd dog I had pet insurance and the company (the same one you have) turned down the claims... so now I go in debt again. WTF?!!!
@summerwillows4655 3 жыл бұрын
Pet costs are astronomical. I think for me, when my cat was severally, it was the worst feeling of having to make a decision based on money rather than on the health of my pet. I likely would have had to make the same decision to put my cat down becuase if his suffering, but I didn't want to have to make to second guess it becuase I was afraid of the cost.
@RachelFusaro 3 жыл бұрын
Couldn’t have said it better myself. Choosing between what is best versus what is most affordable is a hard spot to be in. Thank you for sharing your insight 🙏
@bm3410 3 жыл бұрын
My beloved cat passed last week. We couldn't afford the treatments for him. More people need to ask themselves why can't we afford universal health care in our society, including for our animals and pets, when trillions are spent in military and bankers/corporations are making trillions every year in profits.
@swathijohn5427 3 жыл бұрын
Congrats on 200k!!💕
@RachelFusaro 3 жыл бұрын
We did it!!! Can you believe it?! 🙏🙏 thanks for all the support buddy, means a lot
@swathijohn5427 3 жыл бұрын
@@RachelFusaro ❤💕
@viralvideos-bf7is Жыл бұрын
Whats the best pet insurance for yorkie , i need my pet insurance for my pup
@Lance_Thorpe_Esq. Жыл бұрын
Your passion/emotion aside I already wanted to get pet insurance but thank you for sharing.
@eva8440 3 жыл бұрын
200K ALREADY WOAHH🤩🥳
@RachelFusaro 3 жыл бұрын
WE DID IT!! Thank you so much
@craigmcneil3987 3 жыл бұрын
Most insurance companies in Canada require you to pay upfront and they give you back 80 percent of the cost.
@RachelFusaro 3 жыл бұрын
Interesting!
@semyhuang3336 3 жыл бұрын
congrats on 200k!💕
@RachelFusaro 3 жыл бұрын
This means the 🌎 THANK YOU
@semyhuang3336 3 жыл бұрын
@@RachelFusaro 💕💕
@cennemidiaz6846 Жыл бұрын
My little kitty had to get surgery in his tummy and I had to put up $8000 .... worth every penny for my boy but i got him insurance from now on I tell everyone looking to get a pet to make sure they get it. You never know and it’s important to keep our furry buddies healthy ❤
@magnumpi28 Жыл бұрын
They probably wouldnt have paid if you had insurance, Run away from pet insurance!
@anonymouse2428 Жыл бұрын
I have two cats, both are covered by Trupanion, and are in great health. One of them hurt himself running around. He was whimpering, so I took him to the emergency animal hospital. Nothing wrong with him. Trupanion won't tell me what they are doing with my claim. It's been over a month. I've called multiple times. The claim is in review. Meanwhile, the follow up appointment turned up nothing. Absolutely fine. I mentioned Trupanion and the vet said that they're difficult to work with. The receptionist rolled her eyes. It looks like Trupanion has a negative reputation in the vet tech community. I'm tired of calling Trupanion and not getting answers. I'm going to cancel at the end of this month. Just put aside $50 each month for pet care and it'll work out cheaper and better for you and the companions. I've paid them thousands. Learn from my mistakes.
@magnumpi28 Жыл бұрын
Trupanion BBB rateing has been taken down and now under review. That should tell you everything you need to know.
@terriozment7018 3 жыл бұрын
I have trupanion. My cat got caught in a house fire, we spent 1000 and my deductable is 500 because of the way they processed it nothing was covered. Now my cat has tooth disease and it is going to cost 1500. The thing is I have had his teeth cleaned in the past and a couple of teeth were pulled. He was not diagnosed with any dental problems at that time. However I am pretty sure that they are going to use this as a reason to deny coverage. We have been with them for years and sad to say I dont think it is worth it. I really had high hopes for this company but so far it has done nothing but cost me money.
@jenniferrader7768 2 жыл бұрын
Similar happened to me. They want to say "preexisting" for ANYTHING, even off of general symptoms that could have over 50 differential diagnosis and had no official diagnosis or treatment from a vet. Look at reviews from those that are NOT getting paid to advertise and you will see scam after scam on paying clients that trusted them. It is an embarrassment to the vet profession. I work with human patients and am licensed to practice medicine, ans say this with sadness but know what I am saying. Stay away from this insurance company!
@matthew-tf3rj 3 жыл бұрын
Congrats! You made it to 200k👍😁
@RachelFusaro 3 жыл бұрын
We sure did, I’m SO flippin happy!! Thank you so much for making it possible ❤️
@jabbaquest117 2 жыл бұрын
Love your videos Rachel!!! 😁 Could you tell me if trupanion raises your payments when they get older? Please let me know. Thanks! 😊
@brianwicker2038 2 жыл бұрын
Trupanion does not raise rates based on age.
@oBseSsIoNPC 3 жыл бұрын
Well, you can put it this way as well. Even if you DON'T need the insurance money for your own pet, it will go toward another animal that does. For the peace of mind, having your animal on adventures and even just outside, $50 or even $100bucks a month seems decent. In case of that ONE bill, the ONE problem that costs you $5000 dollars. PLUS with pet insurance, vets go the full mile on tests and procedures. You don't have to think and skimp out on what to do and not to do.
@shupuppy12 Жыл бұрын
I had trupanion but after age 5 the rates skyrocketed. I don't know why she said it didn't go up unless they changed this. My dog was on trupanion from a pup in 2000 thru 2014. I'd really study these insurances and find one you can live with and has good benefits.
@veganconservative1109 Жыл бұрын
My concern is the cost not only for the care, but what if your insurance company denies your claim after you've been paying them monthly fees for years? They could have been wonderful for the first decade or more and suddenly a change in policy and 'claim denied' becomes commonplace. This is what is stopping me from getting pet insurance.
@RYTHMICRIOT Жыл бұрын
Not to mention, most pet insurance policies are structured as a "reimbursement" plan. Meaning you must shell out the potential thousands of dollars up front and then deal with the insurance company to get what you can back. Make no mistake, the business model of these insurance companies is to keep as much of the money you pay them as possible.
@digitaleara5520 5 ай бұрын
Is there such insurance as death insurance? Thanks!
@kalaukia434 2 жыл бұрын
Thank you for all you do❤️
@VictorLopez-fd8ze 3 ай бұрын
If I do get a dog dog insurance what one should I get should I get the $10,000 one or should I get a hundred thousand dollars or should I get one it will pay everything and how much would I should do for the copay should I do a hundred or should I do what price they have 100 .200 .300 .400. 500 600. 700 .800. 900 .and.. 1,000 + and keep..
@moonobject 3 жыл бұрын
Thanks so much for this video! Can you do a video on whether to give your furchild a Lyme's disease vaccine or Lyme's disease pills? My furchild will be in a Lyme-infested region and we don't know what to do to prevent her from getting Lyme's.
@abbywolf17 3 жыл бұрын
I am getting a puppy but don’t have a ton of money. Do you think pet insurance for the year is still cheaper then out of pocket?
@RachelFusaro 3 жыл бұрын
There’s a lot of factors so I’m not too sure what it would cost for you, but to me, if it’s in the budget it’s worth it!
@abbywolf17 3 жыл бұрын
@@RachelFusaro thank you!!!
@thatonesammkid6974 2 жыл бұрын
Thank you for this video! I just adopted my first cat yesterday and was debating Lemonade Pet Insurance, but I definitely will now❤️
@magnumpi28 Жыл бұрын
Run!
@karencornejo5369 Жыл бұрын
@@magnumpi28 whyyy run? Explain your point
@magnumpi28 Жыл бұрын
@@karencornejo5369 Karen, Pet insurance is a scam. Do yo really need me to go through it and show you?
@karencornejo5369 Жыл бұрын
@@magnumpi28 of course if you are saying that is a scam then better talk with facts.
@shaymanay4207 3 жыл бұрын
CONGRATS ON 200k!!!!!!! ❤️❤️❤️❤️
@RachelFusaro 3 жыл бұрын
We did it. Truly I’m so thankful ❤️❤️❤️
@nigel3270 Жыл бұрын
Great video. Thank you!
@TheGermanEngineer Жыл бұрын
Good video. Wake up call for everyone without pet insurance. There is one thing i stumbled upon also. Most insurances exclude breed specific diseases. So i would recommend to watch out for this in the terms of the insurance. Otherwise there could be bad surprises coming up despite paying high premium every month. Just some food for thought. 🙂
@kisses157 3 жыл бұрын
It is worth it to get pet insurance just what happened to my original cockapoo she passed away on feb.18/2021 after my bday.she has insurance since she was 2 mos. Old.but she cannot save and on my bday at 6pm she become paralyzed in her back legs and she won't be able to walk and on the next day she have internal bleeding and I have no choice to put her down.its really hurt and I love kisses so much.
@jrc202 3 жыл бұрын
Does this this pet insurance work every where?
@SimplySami13 3 жыл бұрын
what insurance do you guys use? trupanion is wayyyy too expensive for me..let me know if there's any others if anyone else can comment :)
@LinoGuzman 3 жыл бұрын
Yes I would like to know to haha
@OneHeckOfARide 3 жыл бұрын
PetPlan. I doubt any plan out there beat them!
@SimplySami13 3 жыл бұрын
@@OneHeckOfARide thank you!!! :)
@lizzthatvegan1207 Жыл бұрын
Pet insurance has given me the opportunity to give my dogs the medical care they've needed. I had to take my last service dog to see many specialists to figure out what was causing his health issues. There's no way I could have afforded it without insurance. I have Nationwide and absolutely love them.
@Mom-rt5db Ай бұрын
Hi Rachel new pet owner with kids looking for affordable insurance for my dog any suggestions please 🙏
@gianinaallan788 2 жыл бұрын
OMG, I’m crying so hard after Closing my eyes while hearing your words about if we were ever in a situation we needed to make a choice on how much we would spend on vet bills to save our pet. I unfortunately never got a pet insurance for my dog. When he was A little over a year old he was mauled by a pitbull. Luckily the owner of the pitbull paid $1000 for his treatment. When he was 4 years old he swallowed a pair of underwear. I paid $4000 to save him. Then again right before his 8th birthday he got very sick with acute pancreatitis and diabetes. 😢 my family all helped to chip in to keep him alive. We spent at least $5000 to try to save him. After 4 days of no food I had to make the terrible decision to put him down. I could do a longer torture him anymore. That was what I feel like I did. I didn’t know how terrible feeding table scraps was. I only wish I would have been more educated and how to take care of my fur baby. The money part means nothing only to share that insurance is so worth it. The part that still kills me is that 9 months later I’m still so angry with myself because of my lack of knowledge and care of my sweet dog. II totally am responsible for the pain and suffering my dog went through. I don’t think I could ever forgive myself. I can’t even think about him without having a panic with unstoppable crying. The past nine months have been difficult to say the least. However the void in my life without a pet is lonely. I am committed to raising my next puppy with better understanding. So thank you Rachel for giving me the courage to get my dicks for a baby I am committed to raising my next puppy with better understanding. So thank you Rachel for giving me the courage to get my next fur baby.
@Jusznani 2 жыл бұрын
Aww I’m sooo soo sorry about your pup 😢 I can’t imagine.. but just know you did everything you did because you LOVED your pup ! And he knew how much you loved him I guarantee that !! Don’t be so hard on yourself 💕
@Voltomess Жыл бұрын
95% of pet owners cannot afford $2000-10k and more for procedures/surgeries and they have only one option to put their pet down to sleep. Vet prices are way too big and insurance is not so good either because they do everything what they can to avoid paying for your dog when it needs to be paid.
@love21baby62 3 жыл бұрын
My puppy comes Saturday and you helped me a lot
@RachelFusaro 3 жыл бұрын
You’re gonna do amazing ✨
@UltimoDogLover 3 жыл бұрын
Agree. We use Trupanion for our dogs too. Can you make a brand recommendation for a raw (fresh/frozen) food that has a thicker consistency for use in training? I saw you using one that looked good in a video with Wally. We primarily feed Answers, which I think is top notch in all respects, but the consistency can be a little liquidy for training. So we mostly just use Stella & Chewy single ingredient raw treats and sometimes pieces of the freeze dried paddies. But I'd like to use more fresh even in training.
@RachelFusaro 3 жыл бұрын
Ok yes, have you heard of K9 Natural? They make a freeze dried green lamb tripe - its dry and easy to work with for training as a treat and dogs looove it My boys eat Bones & Co raw right now (I do their social media now) ❤️❤️❤️
@UltimoDogLover 3 жыл бұрын
@@RachelFusaro Thank you! The timing is fortuitous otherwise. There is apparently some big problem with Answers that is emerging. A family blowup that is causing supply problems with their excellent suppliers. A great local store near me DOES carry Bones & Co. raw, so that is good news. I'll look into the tripe treats as well.
@karencornejo5369 Жыл бұрын
Is trupanion worth it? Does it it covers emergencies? Such as foxtails or the dog swallowing something etc?
@loretta_3843 2 жыл бұрын
I can totally agree, but my family has had awful experiences with insurance companies. You may believe you're covered but some reason is found for why they're not liable and you're pretty much screwed. Insurance PTSD!
@bobbieminami4484 3 жыл бұрын
What is your opinion about giving puppies supplements such as Nuvet?
@RachelFusaro 3 жыл бұрын
I’m not as familiar with NuVet but for me, I prefer giving puppies whole Foods so they get their nutrients from real ingredients. That said, I love raw goat milk and no salt bone broth for added probiotics and immune system boosters for puppies! Here’s more on that: m.kzfaq.info/get/bejne/f613aNBltK6dfo0.html
@bobbieminami4484 3 жыл бұрын
I appreciate the information on your video. My girlfriend’s senior cat was starving demanding food every couple of hour and kept losing weight. I told her about your recommendations about raw food and raw goat’s milk. The raw food is sustaining her where she is now gaining weight and less demanding for food and the raw goat’s milk..Molly is not vomiting daily and loves it. Thank you so much. I want your opinion about giving puppies supplements such as NuVet. I am preparing to get a puppy and will transition to frozen raw dog food and freeze dry. I love your videos, I crack up watching the dogs heads nodding and following your hand with food while you are talking.
@savioursoul 2 жыл бұрын
Emergency funds are much more cost effective than insurance. Insurance companies are set up to make a profit off of you. Emergency funds are not for profit and therefore cheaper. Insurance has deductibles, only covers a percent the costs, and does not cover many things. Emergency funds cover everything and offer peace of mind that insurance does not provide.
@majaambroziak5156 3 жыл бұрын
Well I have insurance for Benji just incase if soemthing happens and it costs a lot of money. I can't wait to watch it. Can you make a video please on travelling with dog abroad like the essentials it needs etc. Thank you
@RachelFusaro 3 жыл бұрын
I appreciate you and I think I can do this!! Here’s one: m.kzfaq.info/get/bejne/kMuceLWZyJicfYE.html
@majaambroziak5156 3 жыл бұрын
@@RachelFusaro thank you so much I'm just asking because we might be going to Poland this July so I just wanted to be prepared as much as I can thank you once again Rachel
@Persassyproduction_fanpage 3 жыл бұрын
@@majaambroziak5156 omg I can’t believe this my dogs name is benji and we also are going to go to Poland
@majaambroziak5156 3 жыл бұрын
@@Persassyproduction_fanpage well what a perfect coincidence. Are you thinking of going to Poland this year because we are thinking of this year but we are not sure due to covid
@Persassyproduction_fanpage 3 жыл бұрын
@@majaambroziak5156 yep same situation not sure yet
@aprilrain2011 Жыл бұрын
Pet insurance is why the vets are charging more and more. It's like a human hospital ER bill!
@Persassyproduction_fanpage 3 жыл бұрын
I think I can resubscribe this is the videos I wanted thanks for taking out advance
@RachelFusaro 3 жыл бұрын
We’re in this together ✨❤️
@250hincks7 3 жыл бұрын
My dog was 13 yeas old before I saw any major health issue, it came suddenly tumor on her spine and to save her I had to operate and the bill was $10,000. I had no insurance 6 months after surgery she passed away. If I had insurance this would have been covered so get insurance!!
@tangotea7192 2 жыл бұрын
So sorry.
@jessnotliketherest85 Жыл бұрын
$203 a month plus a $700 x 2 =$1400 deductible for 2 - 1 year old dogs. Man this sucks! I live pay check to paycheck. I don’t even have health insurance myself. My dogs means so much to me but I literally can’t afford that. I will just have to walk the streets for money if my boys get sick(and I will for them) because damn I can’t afford that payment!! I feed them fully raw 80/10/5/5 & that’s up to $900 a month thanks to inflation. I’ve stressed about pet insurance so much. There is not much info on the Trupanion site. So many questions & no answers. 1) does the monthly payment go up annually? 2) does the pet insurance cover or help with regular vet visits, monthly pet meds such as flea, tick & heartworm? 3) is there a list of vets that accept this insurance? I want to see if my regular vet accepts Trupanion. 4) what else specifically if anything does the pet insurance cover besides emergencies? 5) If my pet never gets sick or has an emergency & I’m paying for years & years do I get a penny of that money back?
@soshio_ Жыл бұрын
I think if you can't afford pet insurance, it would be a good idea to just put aside what you can each month as emergency pet fund. Premium gets adjusted every year depending on your location and your pet's age. It will go up annually, usually not by a lot if your pet is young. Pet insurance isn't like human insurance, you still pay vet bills up front, then you get reimbursed by pet insurance after you filed a claim. There's no such thing as whether a vet accept certain insurance. Insurance coverage depends on the company, you'll have to do your own research to find the one most suitable for you. I have HealthyPaws and personally went for $500 deductible to save on my premium. My coverage is only for illness, emergencies and accidents, does not cover regular vet check up or dental. And just like any other health insurances, you don't get your money back just because you haven't used it. They wouldn't be able to make money or provide coverage then if that's the case. Trupanion is on the more expensive side. Maybe check out Nationwide and ASPCA. I think they both have pretty good coverage and lower rates.
@magnumpi28 Жыл бұрын
Run away from pet insurance
@brianahagen6351 Жыл бұрын
Thank u for making this
@Hefty13 2 жыл бұрын
Damn, I wish she would have mentioned it was a sponsored video at the beginning of the video.
@sydnimorton2435 3 жыл бұрын
What if a vet doesn’t accept the insurance? Would you still get it covered?
@papi-sauce 2 жыл бұрын
U go to a different one.
@Ava-Lavigne 3 жыл бұрын
LOVE THIS CHANNEL TO THE END OF THE UNIVERSE AND BACK!
@RachelFusaro 3 жыл бұрын
Please keep being a positive light in this 🌎 !! You’re the best 😍
@pediapets198 2 жыл бұрын
Awesome Video ! Like the Content !
@fisharepeopletoo9653 3 жыл бұрын
I didn't even know pet insurance was a thing, I'm disabled and on a fixed income, so a vet bill could be devastating for me, doubly so if I couldn't pay it and it cost me my dog. Thank you for this wonderful advice, I'll be investing asap. I do have a question, though, if you're willing to take a bit of time. As I said I am disabled, and I have a nearly 10 week old rottweiler mastiff mix. I've been doing a lot with her, and she is incredibly smart and so much fun. My question, though, is actually about the future. My disability gives me poor balance and a permanently injured left arm that can't be pulled on. I want to take my little Sasha on walks (even though leash training has been hell, she really doesn't like the leash,) but I'm afraid that as she gets bigger and stronger she'll quite likely be able to pull me right over. Obviously I don't want that to happen, but it seems that in training you really need the thing to happen first in order to teach the dog not to do it. Is there a way around this? Obviously I don't want to have to eat concrete in order to teach her not to make me eat concrete lol, and would love any advice that helps with this problem.
@PinkBlue_Spood 2 жыл бұрын
I’ve been disabled since 13 from a severe progressive brain deformity. It’s my goal to eventually train a service dog prospect for myself, which I’ve been preparing for for about 3 years now. None of the service dog programs in my state have been helpful for me, as none of them have been familiar with my condition and its effects. When I am approved for SSI, I plan on saving for a long time, getting everything I need, getting a prospect when ready, and then using a portion of my check for pet insurance fees. It can be so helpful, especially for us who are disabled!
@PinkBlue_Spood 2 жыл бұрын
I don’t know if I can be of help for your question, but, I can share what I’ll be doing for my situation (as I will be adopting a prospect of a large size, one that likely will be close to my weight, being that I’m 96-99lbs). Obedience is very important with how dogs behave on the leash, and you want to teach the dog structure. When the dog is pulling, not at your side when supposed to be heeling, correct the dog with a leash-pop/leash-pulse (you don’t want to pull the leash). Reward the dog when it is walking on the leash well. Try and start this in a distraction-free environment, and slowly branch out to areas with distractions once they know what they’re supposed to be doing. Lower the criteria and give the dog breaks when doing this, and slowly build up your distance and duration from there, when the dog is successful. For myself, I’ll be utilizing added tools, such as a slip-leash, or maybe a prong collar, along with an E-collar to help me, as I am very petite and very weak. A prong collar, if you use it correctly, can be great, especially with Rotties, as their necks are very muscular and thick, which will help you maintain control and supply better corrections without causing the dog to choke out.
@fisharepeopletoo9653 2 жыл бұрын
@@PinkBlue_Spood That is all excellent advice! This comment was fairly old though, and my puppy is now over a year old! But she is a wonderful dog and I have managed to train her well. I wish you the best of luck in your endeavors!
@PinkBlue_Spood 2 жыл бұрын
@@fisharepeopletoo9653 Ah, I misread the date and thought it said 1 month, not 11 months, lol! Thank you! I appreciate it! I’m glad to here that all is going well with your dog! :)
@craigpina 2 жыл бұрын
Hartville has saved me, and my dog. When you have to make a trip to an emergency vet it's very expensive. Without Hartville, I wouldn't have been able to afford the emergency surgery she needed.
@Rosenberg95 Жыл бұрын
I think you are right. I think that it’s worth the peace of mind alone, not to mention everything else
@ela100297 Жыл бұрын
My cat died from a gallbladder stone that got stuck in the duct he was 11 and I miss him everyday, the surgery to save him was 12k. Iv bin thinking about getting another cat recently but am definitely considering pet insurance.
@liscox4281 3 жыл бұрын
Have had my puppy for 5 days. She’s had an ileus within 5 days of getting her ($1600 vet bills). Got her home. Within 16 hours of discharging she jumped off my lap and broke her wrist.. $1000.. literally $2600 in the first week of having her! Illness wasn’t covered but thankfully the accident on her foot was covered in the insurance policy I’d taken out
@TC-lo3uc 2 жыл бұрын
Hi what type of insurance did you go with?
@ericramirez5692 6 ай бұрын
How do you feel about Banfield clinics and their wellness programs?
@ciaraspb Ай бұрын
Good for a puppy first and second year after that a waste of money.
@BatJordo 3 жыл бұрын
Your channel and videos are amazing and make me want to become a dog trainer.
@RachelFusaro 3 жыл бұрын
Your comments are amazing and make ME so dang happy ❤️
@sherisedances8267 3 жыл бұрын
Except that trupanion ages out. Meaning once the pet reaches a certain age, they do not provide coverage.
@tiannadowney6843 3 жыл бұрын
Oh wow, What age?
@sherisedances8267 3 жыл бұрын
@@tiannadowney6843 you would have to read the fine print in your country. They do age out though
@shilohmorris5527 Жыл бұрын
I wish that I got insurance for my dog when he was a puppy. Now he is 8 and has a tumor and I can't afford the surgery to remove it.
@magnumpi28 Жыл бұрын
They raise rates every year, you wouldnt have been able to afford it anyhow by now probably
@frankw9836 2 жыл бұрын
I adopted a 6 year old dog in September 2021 and took out Pet insurance in October with every paw UK i pay £18.00 per month. I December 2021 my dog got very bad ear infection the treatment started incl CT Scan anestasia for far her bill is over £2000 so far my excess is £110 per condition . The insurance paid out the 1st claim no problem and i am sure they pay the rest as well ! PET INSURANCE , YES!
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