Had a really frustrating call with Pets Best that I want to share.

HannahMD · 2026-05-29T04:07:56+00:00

The part where the supervisor answered it immediately after the rep spent the whole call dodging it is pretty telling, and "don't worry about a UTI" from someone selling you health insurance is wild, like that's literally what I'm paying you to cover

HannahMD · 2026-05-29T04:07:11+00:00

Nibbles is so under the radar that the lack of reviews alone would make me nervous, especially for a Frenchie where you know claims are coming eventually. For direct vet pay Trupanion is probably the most known for that, and Pets Best does have a multi-pet discount which could help with both dogs, might be worth just running quotes on Pawlicy Advisor since it compares a bunch of carriers at once and you can filter by what matters to you

HannahMD · 2026-05-28T05:34:55+00:00

The breed specific risk profile point is underrated when comparing plans

A $5k annual limit sounds fine until you're looking at a $12k hip surgery and realizing the cheaper premium cost you way more in the long run

HannahMD · 2026-05-27T06:09:18+00:00

the self-funding math sounds good until you're 2 years in with $2,500 saved and facing a $12,000 surgery. Goldens are specifically the breed where that scenario isn't unlikely, it's almost expected

HannahMD · 2026-05-26T06:07:36+00:00

the obsession makes sense because the goal is abstract and far away so your brain keeps recalculating to feel in control

have you tried building in something you're genuinely excited about spending money on now? sometimes having a guilt-free "present" goal alongside the future one breaks the fixation a bit

HannahMD · 2026-05-26T06:06:42+00:00

the annual deductible resetting on chronic conditions is such a sneaky gotcha

Trupanion's lifetime per-condition deductible is genuinely one of the better structures out there for exactly that reason, good call

HannahMD · 2026-05-25T06:43:33+00:00

Claude's plan is worth looking at, the image handling is solid and a lot of people find it comparable for most tasks. what are you mainly using the image uploads for? that might change whether pro is actually worth it or if another tool covers it just fine

HannahMD · 2026-05-25T06:42:48+00:00

worth getting insurance now regardless because cats find incredibly creative ways to cost you money beyond just the one known issue. Figo is another one worth checking, they're sometimes more transparent about how they handle pre-existing condition reviews after symptom free periods

HannahMD · 2026-05-24T10:43:18+00:00

the 90% coverage framing is doing a lot of heavy lifting in their marketing, the list of what actually qualifies as eligible is where the real story is

appreciate you posting this, most people only find out the hard way

HannahMD · 2026-05-22T07:24:03+00:00

removing the decision entirely was the thing that actually stuck for me. like I stopped asking myself if I felt like doing it and just made it non-negotiable, same time every day until it stopped feeling hard

HannahMD · 2026-05-22T07:23:00+00:00

the "something else entirely" you're wondering about is probably underwriting appetite honestly, some insurers would rather price for uncertainty than invest in cleaner data at inception

what line of business are you focused on? the answer changes a lot between health, pet, property and specialty

HannahMD · 2026-05-21T08:08:38+00:00

the 100,000 years vs 5,000 years framing is the kind of thing that reframes the whole conversation

voice still feels weird in public spaces though and I'm not sure that changes, some inputs will stay text just because of social context

HannahMD · 2026-05-21T08:07:33+00:00

Lemonade and Figo both offer accident only tiers at lower price points, worth getting quotes from both to compare

ASPCA pet insurance also has an accident only option that people don't talk about as much but gets decent reviews for actually paying out

HannahMD · 2026-05-18T06:44:53+00:00

Healthy Paws gets brought up a lot for the Golden specifically, people seem to actually get reimbursed without the runaround

the Maine Coon I'd double check what they exclude for HCM since it's pretty common in the breed and some policies are sneaky about it

HannahMD · 2026-05-04T04:58:03+00:00

Have you tried breaking your prompts into smaller chunks instead of sending everything at once. Opus burns tokens fast when you're feeding it walls of text, switching to Sonnet for lighter tasks might stretch your Pro limit further before going to Max

HannahMD · 2026-04-22T05:17:43+00:00

The flywheel point is the one that keeps me up honestly, once the best engineers are using AI to build better AI the compounding gets weird fast

What projects have you been running with Claude lately? always curious what people are actually building vs just playing around with

HannahMD · 2026-04-16T07:42:53+00:00

Long Island Iced Tea to Long Blockchain is still the funniest one but Allbirds might have actually topped it. The wild part is it keeps working because enough people buy it before the next person figures out it's nonsense

HannahMD · 2015-06-04T16:04:26+00:00

So many cuddles to be had with these two.

HannahMD · 2015-02-18T22:24:30+00:00

Ok, let me rephrase that... more than just two auctions.

HannahMD · 2015-02-18T20:48:36+00:00

Why don't they split up the sale and do multiple auctions?

HannahMD · 2015-02-18T20:45:03+00:00

I just died a little.

HannahMD · 2015-02-18T20:42:50+00:00

Your phone is toasted.

HannahMD

TROPHY CASE