[mikie1977]

Hello all. I am seriously considering getting insurance for my two yorkies. They are 4 and 5 years old respectively. No major health issues yet, but I worry as they get older. I have spent a few hours researching the many options and reading reviews. Here is what I have come up with thus far. Just wanted to run this by others, as a sanity check! I have narrowed it down to these 4, which all cover the most important stuff - chronic diseases, hereditary & congenital, cancer, and prescriptions.

Healthy Paws - I am leaning in this direction so far. No annual maximums or per incident maximums, unlimited lifetime maximum as well. The deductible is annual, which I like. Does not cover exams though. For the 2 dogs for a $250 annual deductible with 10% co-pay is $75 a month ($70 a month with 20% co-pay).

Embrace - Number 2 choice so far. Also an annual deductible. Using the silver plan (most popular) it does have a $10,000 annual max though. $200 deductible at 20% co-pay is $83 a month for the 2 dogs. Seems a bit pricey, especially considering the annual max. They offer dental and wellness / preventative too, but at additional fees. $50,000 lifetime max too.

Pet Plan - good prices. $66 a month for the 2 dogs. But no annual deductible - their deductible is per incident. Not sure I like the sound of that. This is also using a $200 deductible and 20% co-pay. Also has a $12,000 annual max, which I also don't like the sound of. It does include exams though which is nice.

Trupanion - similar to Pet plan in terms of the per incident deductible. But no annual max. $250 deductible and 10% co-pay. $70 a month for the 2 dogs. Does not include exams. Does not cover hip displasia in base policy.

Any thoughts? I am close to signing up for Healthy Paws, but want to sleep on it first! thanks!