We Want It Wednesday: Pet Health Insurance

ImageI spent this morning sitting in front of my computer listening to one of the most relaxing sounds in the world. Whenever the erratic clicking of the keyboard stopped, I got to hear Miss Lana’s soft, steady breathing. Not an ugly, loud snore. Just a sweet little feminine cadence of breaths.

And boy was I grateful for that calming white noise, because I was in the middle of shopping for pet insurance. I’ve never bought insurance in my life! How fun it is to be an adult.

My insurance wants and needs were as follows:
-A reputable company
-A low monthly cost, with the option to increase coverage once I get some sort of paying job
-Coverage for the things that seem more likely to affect Lana (like accidents)

What did I find? High monthly payments or absolutely terrifying Yep reviews.

ImageMy lovely mother helped me locate a company recommended to my father (sort of) by his employer. Pets Best Insurance. Their website looked great, their policies wonderful, and their rate just peachy. I Googled them, just to make sure. One star reviews ran rampant on Yelp. Not to mention, far from helpful company responses. It was enough to scare the heck out of me. So I kept searching the internet, hoping for a second source. Their Facebook seemed to elicit pretty positive reviews from customers. I’d hardly trust their social media, but come to think of it, the Yelp reviews (most of them, at least) were pretty old. Maybe a new company had taken over and fixed things? I knew that Pets Best is offered through Progressive, but I didn’t know how long it had been that way.

Never one to like ill informed decisions, I browsed http://www.petinsurancereview.com/ – a third party website where pet owners can leave reviews of their insurance company. The reviews of Pets Best on that site were largely positive, and far more recent than the majority of the Yelp reviews.

ImageHonestly, I was a bit overwhelmed with this experience. Not because there were no options or opinions, but because there were so many. Which is a great problem to have! While I did actually research many companies, I ended up going with the super cheap Pets Best for Lana. I’m positive one day I’ll switch her policy, if not the company, but for now I think the accident only coverage fits my needs best. (Knock on wood!!!)

Unless they change the rates on me, it looks like I’ll be paying just under nine dollars a month for her insurance. (Hello, same price as Netflix.) It’ll cover things like animal/snake/insect bites, getting hit by a car, foreign body ingestion, poisoning, etc. I considered adding the routine care coverage because it helped pay for heartworm prevention, but for me the benefits weren’t worth the added premium. There is a two dollar transaction fee, which of course bothers me, but at least you get the option to pay quarterly, yearly, etc. to limit the number of times you pay that fee.

ImageNow to get back to important things – like napping

I will certainly keep everyone up to date on my honest experiences with Pets Best. Hopefully any of you considering pet health insurance will find the right company for you.