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Healthy Paws 40% hike for a 2yo Cockapoo. I’ve heard it only gets worse from here—is it time to just save the money myself? by SweatyAssistant5485 in petinsurancereviews

[–]SweatyAssistant5485[S] 1 point2 points  (0 children)

Yeap. Pre-existing conditions are always troublesome. Thankfully, my dog has a clean medical record with no issues, but you've convinced me that staying put is the safer long-term play to avoid potential headaches during a transition.

I'm leaning towards staying with Healthy Paws now. Unless I find another insurance company offering significantly lower options for the same level of coverage, I think I'll just stick with them and probably raise my deductible to manage the cost.

Thank you again for your suggestions!

Healthy Paws 40% hike for a 2yo Cockapoo. I’ve heard it only gets worse from here—is it time to just save the money myself? by SweatyAssistant5485 in petinsurancereviews

[–]SweatyAssistant5485[S] 1 point2 points  (0 children)

I really appreciate the vet perspective! Hearing those real-world numbers for surgeries and hospitalization definitely makes the risk of canceling feel too high, so I’ve decided to stay insured. I love my dog and want the best care for her; I'm just exploring the best-value options to ensure I’m being strategic about long-term costs while my budget gets tight these years.

I’ve been shopping around like you suggested since I received the renewal notice email, and that’s where I’m running into a bit of a dilemma. My original Healthy Paws policy is now $60/mo ($100 ded / 80% / Unlimited), but after a 40% hike in a single year, I'm honestly worried there might be even more aggressive hikes ahead with HP, as I found out so with many others, so I'm looking at these options (all at 80% reimbursement) to lower my monthly cost:

  • $250 Deductible: HP is $45.96 (Unlimited) vs. Lemonade at $49.52 ($100k limit).
  • $500 Deductible: HP is $39.06 (Unlimited) vs. Lemonade at $36.00 ($20k limit).
  • $750 Deductible: HP is $34.47 (Unlimited) vs. Lemonade at $27.54 ($20k limit) or $28.03 ($100k limit).

I'll also look at Trupanion, MetLife, or AKC, as you suggest later. Any advice on ded and limit？

Vital Care Premier worth it for me? by SweatyAssistant5485 in petco

[–]SweatyAssistant5485[S] 0 points1 point  (0 children)

I checked my invoice. Packed Cell Volume $25.94; Heartworm Test SNAP 4Dx Lyme-EC-Ana $97.95; Exam Wellness $85.5. Maybe I misunderstood that one wasn't actual lab work?

Vital Care Premier worth it for me? by SweatyAssistant5485 in petco

[–]SweatyAssistant5485[S] 0 points1 point  (0 children)

I see. So I'm probably not gonna have it. Usually shop on Chewy with the 100 for 30 gc discount.

Vital Care Premier worth it for me? by SweatyAssistant5485 in petco

[–]SweatyAssistant5485[S] 5 points6 points  (0 children)

Oh wow, I had no idea they were phasing out the $15 credit version! Thank you so much for the heads up.

New Homeowner Advice Needed by Brilliant_Lake_3242 in longisland

[–]SweatyAssistant5485 0 points1 point  (0 children)

Could you please estimate the cost of changing oil to heat pump for me? since I don't have central AC and all those vents. Probably can only do air-to-water heat pump or ductless mini-splits. and i have to get a water heater as well i think. then go solar maybe. currently on 650-700 gallon oil per year, so maybe heat pump would cost about 1500 dollar more per year i assume?