Quote:
Originally Posted by Kadify  While a cheaper payment would be nice I understand having better coverage means having a higher payment however I still don't see how having two low level insurance policies isn't automatically cheaper than having a higher level single policy. For example, having embrace with wellness (useful for pet exams) would cost me about $60 a month. However having trupanion and healthy paws with similar deductibles and reimbursement rates would cost $58 and while neither would cover the cost of dental cleanings or neutering, they would cover everything 100% which theoretically would work out to be cheaper I'd imagine, no? |
Yes, this makes sense. I assumed (wrongly) that both policies each cost as much as one comprehensive, thus, doubling the premium.
Just make sure you are happy with no cover for the dental cleanings. I always advise clients to save money by buying insurance for those unavoidable things like disease and accident and pay for everything else when/if it comes up..
Unfortunately, you just never know what will or won't come up so it's all a bit of a gamble at the end of the day which is why insurance is referred to as 'risk management'.