I’m looking for pet insurance in Arkansas and saw that Lemonade, Spot, and Embrace are some top choices. I’m curious if anyone has experience with these or any of the others like Fetch or Healthy Paws? I’ve got two dogs, so I want something that offers good coverage without being too expensive. Any suggestions?
I’ve been using Embrace for my two dogs, and it’s been great. They offer a discount for multiple pets, and the coverage is really solid. The premiums are reasonable too, especially if you’re on a budget.
@Miller
I’ve heard about their discount. Do they offer wellness coverage too?
Sidney said:
@Miller
I’ve heard about their discount. Do they offer wellness coverage too?
Yeah, they do! You can add wellness coverage to help cover routine things like vaccines and checkups. It’s definitely worth looking into if you need that kind of coverage.
I’ve got Lemonade for my dog, and it’s been affordable and easy to use. They’re great if you want something simple and don’t mind adding extras for things like vet visits or alternative therapies.
Lennon said:
I’ve got Lemonade for my dog, and it’s been affordable and easy to use. They’re great if you want something simple and don’t mind adding extras for things like vet visits or alternative therapies.
That sounds like what I’m looking for. How’s their claims process?
@Giovanni
It’s super fast. They use AI for a lot of it, so I’ve had claims processed in just a few minutes. No hassles at all.
Spot has been great for me because of how customizable it is. You can adjust the annual limit, deductible, and reimbursement rate to fit your needs, which helped me find something affordable.
Darwin said:
Spot has been great for me because of how customizable it is. You can adjust the annual limit, deductible, and reimbursement rate to fit your needs, which helped me find something affordable.
Customization sounds great. Did you go with their wellness coverage, or just the basics?
@Amal
I stuck with the basics, but I’m thinking about adding the wellness plan next year. It’s good to have options depending on what you need.
I’ve got Healthy Paws for my older dog because they don’t have any annual limits. It’s nice not having to worry about maxing out coverage if something big comes up.
Dru said:
I’ve got Healthy Paws for my older dog because they don’t have any annual limits. It’s nice not having to worry about maxing out coverage if something big comes up.
How does Healthy Paws handle claims? I’m considering them, but I’ve heard mixed things.
@Micah
I’ve had no issues. They process claims quickly, and I’ve never had a problem getting reimbursed. Just be aware that they don’t offer wellness coverage.
I went with Fetch because their coverage is so comprehensive. They even cover dental issues and alternative treatments, which most other companies don’t. Plus, they’ve been pretty affordable for me.
Denny said:
I went with Fetch because their coverage is so comprehensive. They even cover dental issues and alternative treatments, which most other companies don’t. Plus, they’ve been pretty affordable for me.
That’s great to know. I’ve been looking for something that covers more than just the basics, and Fetch sounds like a good option.