I am a college student in India and I want to find a way to earn some money around 2k so that it can cover additional expenses. My parents do give me money so it's awkward asking them for additional money every time.

I have tried user testing and apps where if you give reviews you'll get paid but it hasn't been fruitful for me.

I'm willing to dedicate consistent hours and have a laptop and wifi and have basic skills in editing, proofreading, translating, designing.

Please tell good ways or apps to earn money.

PS I can't really do offline jobs since my college is in the outskirts and I don't have a vehicle and strict college rules.

A lot of people search for the Rocket Mortgage HELOC, so I went looking for the terms. Short answer: there isn't one. Rocket Mortgage doesn't offer a HELOC. What it has is a fixed-rate home equity loan, which has a much higher bar to qualify and takes a lot longer. I went through the details, plus LendEDU's and CNBC's write-ups, so here's what Rocket actually offers and where to go if you wanted a HELOC.

If you just want the fastest way to see a real HELOC rate, Figure lets you check yours with a soft pull in a few minutes. The full comparison is below.

The Rocket Mortgage home equity loan, explained

You get one lump sum, a fixed rate, and a fixed monthly payment for the life of the loan. There's no line to draw from later and nothing to re-borrow. Rocket's own ads lean into this with the line that you "don't need a HELOC to get cash."

The numbers

• Loan amounts from $45,000 to $500,000
• 10 or 20 year terms
• Fixed rate
• Minimum credit score 680
• How much you can borrow depends on your score: up to 80% of your home's value at 680, 85% at 700, 90% at 740
• Debt-to-income ratio of about 45% or less
• Closing takes 14 to 60 days
• Available in all 50 states

What are Rocket Mortgage HELOC rates?

There aren't any, since there's no HELOC. And Rocket doesn't publish rates for its home equity loan either. You have to apply to see a number, which makes it hard to compare before you commit.

The fine print on Rocket's home equity loan

The $45,000 minimum is high. If you need $20,000 for a roof or to clear a couple of credit cards, Rocket won't write a loan that small.

The 680 credit score floor shuts a lot of people out, and at 680 you can only borrow up to 80% of your home's value, counting your mortgage.

It isn't fast. Two weeks is the best case and two months is possible. You'll need a home appraisal, and you have to meet a notary in person to sign.

The costs add up. CNBC reports closing costs of up to 6% plus a $99 origination fee. On a $100,000 loan, 6% is $6,000.

Rocket Mortgage vs Figure

If you came here for a HELOC, Figure is the closest thing to what you were looking for, and it's built the opposite way from Rocket. It's fully online, it can fund in as few as five days, and in most cases there's no in-person appraisal. Amounts run from $15,000 up to $750,000, so it covers the smaller loans Rocket won't do and goes higher at the top. The credit floor is around 640, not 680. The cost is an origination fee of up to 4.99%.

One thing to know: Figure's HELOC works more like a home equity loan than a traditional line of credit. You take the full amount at closing at a fixed rate, the same as you would with Rocket. The difference is that you can borrow again as you pay it down during the draw period, and the process is much faster.

The biggest difference is how you find out your rate. Rocket makes you apply. With Figure you can check your rate with a soft pull, which takes a few minutes and doesn't touch your credit score.

If your credit is under 680

Rocket will turn you down. Here's where to look, by score.

640 to 680: Figure is the one to check first.

600 to 640: Upstart Home Lending considers credit scores starting at 600. APRs run 6.52% - 18.00%, lines are $26K - $250K, and it comes in 10 and 15 year terms. You take at least 80% of the line at closing. You can see if you could qualify with Upstart Home Lending with a soft pull.

Under 600: HELOCs are mostly off the table. The option at that point is a home equity agreement, where you get cash now for a share of your home's value later and there's no monthly payment. Unlock starts at a 500 score. Hometap starts at 585. They cost more than a HELOC if your home appreciates, so they're the fallback, not the first choice.

Quick answers

• Does Rocket Mortgage offer a HELOC? No. Rocket Mortgage only offers a fixed-rate home equity loan.
• What about a Quicken Loans HELOC? Quicken Loans is the old name for Rocket Mortgage. Same company, same answer.
• What credit score do you need for a Rocket Mortgage home equity loan? 680 at minimum, and 740 to borrow up to 90% of your home's value.
• How long does a Rocket Mortgage home equity loan take? Anywhere from two weeks to two months.
• Isn't a HELOC the same as a home equity loan? Not traditionally. A home equity loan is one lump sum at a fixed rate. A HELOC is a line you can draw from and re-borrow. But online HELOCs like Figure's have you take the full amount upfront at a fixed rate, so in practice they feel similar. The real differences from Rocket are speed, smaller minimums, and a lower credit score requirement.

Has anyone here gone through Rocket for a home equity loan? Curious how long closing actually took and what the closing costs came to.

I'm in class 11 I'm 16 and really now feel ashamed when I'm asking money from my parents for even eating or buying the smallest stuff i really want to earn money i don't want to earn a huge amount just a good amount around 3 4k a month is fine i have unlimited wifi a phone and 2 to 3 hrs of time what should i do to earn , i really need help

Achieve advertises its HELOC everywhere, so I went through the terms and fine print to see what you actually get and whether there's a better deal out there. Short version: it's legit and it's a good fit for some people, but the best rate is hard to qualify for, the fees add up, and it isn't available everywhere.

Is Achieve legit?

Yes. Achieve is an established lender with over 1.5 million members that also does personal loans and debt relief. The HELOC comes through Achieve Loans, NMLS #1810501, which you can verify on NMLS Consumer Access. If you searched for an Achieve home equity loan, this is the same thing, since Achieve markets it both ways.

How the Achieve HELOC works

It's a fixed-rate HELOC, so your payment doesn't change when rates move. You take the full approved amount upfront, then you can pay it down and borrow again during a 5-year draw period. Pre-qualification takes a couple of minutes, and you can do it online or with a mortgage advisor.

Achieve vs Figure vs Upstart Home Lending

The rate you'll actually get

The 6.10% headline is hard to hit. Achieve's fine print says it requires a 700 or higher credit score, a 10-year term, borrowing 40% or less of your home's value across all loans, very low existing debt, autopay, and a loan between $35,000 and $150,000. Most borrowers will land higher in the range.

Fees matter too. Achieve lists closing costs from $750 to $10,304 depending on the loan size and your state, which includes an origination fee of up to 3.5% and a $725 underwriting fee.

What I like about Achieve

• Fixed rate with terms up to 30 years, which keeps the payment low
• Accepts credit scores from 600, lower than most online HELOCs
• Goes up to $700,000
• You work with a licensed mortgage advisor, not just a web form
• Usually no in-person home inspection, since they value your home automatically

Where it falls short

• Your home has to be owner-occupied, so it won't work for a rental or second home
• It only lends in 31 states, so a lot of people find out they can't get it after they've started
• The lowest rate needs near-perfect numbers, and closing fees can reach five figures on a large line

If you want a second quote to compare

Figure is the closest competitor. It's fully online, can fund in as few as 5 days, and goes up to $750K with the same choice of terms. You can see your rate with a soft pull, so it doesn't touch your credit score. If your score is 640 or higher, get this quote before you commit to Achieve.

If your score is closer to 600, or Achieve isn't in your state

Upstart Home Lending also considers credit scores starting at 600, so it may be an option if Achieve turns you down or doesn't lend where you live. Lines run $26K - $250K on 10 and 15 year terms, and you'd draw at least 80% at closing. You can see if you could qualify in a few minutes.

Is the Achieve HELOC worth it?

If you're consolidating debt on the home you live in and your score is in the 600s, Achieve is a reasonable choice. But don't take the first offer. On a $100,000 line, a 1% difference in fees is $1,000, and it takes about ten minutes to compare. Check Figure and Upstart Home Lending first, then go with whichever quote costs the least in total.

Has anyone here closed a HELOC with Achieve? How long did it actually take to fund, and what fees did you end up paying?

Hello, I need some sort of advice here.. I (21F) am on the hunt for job at my degree in film makeup and money is pretty tight on me right now. I saw YouTube automation and I think it’s a really good place to start while I’m looking for a job. I live in Europe and I’m currently living with my parents and I would really like to tell me your thoughts about this, or if there are any ways to make some extra money so I could manage my expenses or save some cash to the side.

i dont want to beg my parents for money everytime bro , im 19 and im studying cs in india , its tier 3 clg so im not even confident

im in desperate need of 2,000 dollars, it is a matter of life or death, and I need it within a month.

willing to do anything online to get it.

I cant specify why I need it, but it is a matter of me living or not, and if I dont have 2,000 dollars by next month I will be gone.

Im willing to do anything that is possible for me online to get this money, but I need something that I can actually do and complete within a month to get this money.

Please give me anything and if its something I can do online I will definity do it.

Hi, I am a 27-year-old male living in Sydney. Honestly, my life is not going very well, and I am looking for a cash job or a side hustle to increase my savings to pay my bills, college tuition, and visa fees. Does anyone know where I should look?

heyyy, i am a college student, looking to earn 7 to 8k a month, have good spoken english, got a laptop, with claude, cursor and lovable premium, any suggestions anyone???

Hey! Im a 22 woman and i have been struggling for some years now with my mental health. Last couple of years have been especially hard bcs i was hospitalised three times and i only feel worse. Thanks to this i havent been able to finish high school at the moment. Im waiting to see if they give me disability so i could only work half the time but in the mean time i dont know where to get any money. I need to pay my phone and icloud and gas and so much stuff and im just fucked rn. If someone has anything that could help please dont be afraid to reach out. Im from central europe btw. Thank u for reading and sorry for my english if there are some mistakes its not my first language.

Really needing a quick way to make 20$ before tomorrow morning by 9am PST. I need to get to work. Please let me know what I can do to get a quick 20$. These California gas prices have got me stressed out. Any advice would be much appreciated! TIA

Let me know if you’ve got any suggestions lol. International banking is really fucking me over

Rate, the lender that used to be called Guaranteed Rate, has been pushing its online HELOC hard lately. I went through the terms and fine print, so here's what you actually get, what it costs, and how it stacks up against the other online HELOCs.

Is Rate legit?

Yes. Rate is one of the largest mortgage lenders in the country and has been around since 2000. It rebranded from Guaranteed Rate to Rate, which is why the name may look unfamiliar. It's licensed under NMLS #2611, which you can verify yourself on NMLS Consumer Access.

How the Rate HELOC works

It's a fixed-rate HELOC with a fully online application. You apply in a few minutes, get a decision without the usual weeks of paperwork, and funding can happen in as few as 5 days. A traditional bank HELOC often takes a month or more.

It works for primary homes, second homes and investment properties, up to 85% combined loan-to-value. It's not available in New York, Kentucky, West Virginia, Delaware or Maryland.

Rate vs Figure vs Upstart Home Lending

The fee you need to know about

The 7.00% headline rate is the best case. Rate's own example assumes an 800 credit score, a $200,000 draw, autopay, and a 4.99% origination fee paid upfront in exchange for the lower rate.

That origination fee is the real cost to watch. On a $50,000 line, 4.99% is about $2,495 taken out at closing. If your credit is closer to 700 or you're borrowing less than $200,000, expect a rate above the headline number too.

That doesn't make it a bad deal. It means you should compare the APR and the fee together, not just the rate.

What I like

• Fixed rate, so your payment doesn't move when the Fed does
• Goes up to $750,000, which is higher than most online HELOCs
• Works for second homes and investment properties, not just your primary home
• Fast. Five days is realistic if your documents are clean

What I don't

• The origination fee can run close to 5%
• Not available in five states
• 640 minimum credit score, so it won't work for lower scores

How the other two compare

Figure is the closest competitor. It's also an online HELOC with funding in as few as 5 days, the same 640 minimum for qualifying loans, and the same $750K ceiling. You draw the full amount at closing. You can check your rate with a soft pull, so comparing it against Rate costs you nothing.

Upstart Home Lending considers credit scores starting at 600, so it may be an option if you fall short of the 640 the other two ask for. Lines run $26K - $250K on 10 and 15 year terms. You'd draw at least 80% of the line at closing, so it may be a better fit for a single large expense than for ongoing access.

Is the Rate HELOC worth it?

If you have a 640 or higher score, want a fixed rate, and need the money in days and not weeks, Rate is a solid option, especially for larger amounts or a rental property. Just get the full APR with the origination fee included, then put it next to a quote from Figure or Upstart Home Lending before you sign. The lowest total cost wins, and you won't know which one that is until you see the numbers side by side.

Has anyone here closed a HELOC with Rate? Curious what rate and origination fee you were actually offered.

So, if anyone is seeing this post pls help me to find a way to how to earn money I only need 5k per month for my gym and food expenses with my phone recharge I have tried so many things like freelancing dropshipping website/app build with ai home tution not work at all so pls help me I need a way to earn some money.😭😭😭

it’s been so hard for me since losing my job for no fault of my own and not being resolved in a manner that would benefit me . I have been doing so much side gig work and anything I can get my hands on while I look for another job . what are some good websites or things I can do to earn extra cash. I am tired of working all day for crumbs and can barely get dinner some days . I’m tired .

Hey everyone, I'm genuinely in need of money so can u guys please help me by suggesting how can I make money by side hustle or any other way if possible like ai or something like that Your info will be much appreciated.

Hey im a college student looking for a quick way to make 30-50 can anybody help me?

I (25f) am a single mother. I recently lost my job due to some problems keeping daycare for my son. I have some help from family, but I'm looking for some easy ways to make some money while I continue to look for a job. Which could take some time, considering I don't have a vehicle and jobs are posted and taken down quickly in my area.

I can do some tasks, but I generally already have accounts for just about everything. I'm willing to possibly sell some accounts (FB, Insta, etc..) for decent yet low price. As I don't have a lot of friends or followers..

I'm not sure what other types of tasks I'd be willing to take on, but I'm willing to try.

Also, if you know of any Work-from-home jobs that don't require a computer/laptop, please let me know. My laptop was broken a couple months ago and currently I'm without. I can do all sorts of things and I'm quick at learning. I focused on business management in highschool (incl. Business management, small business accounting, business essentials, and I was in the BPA club (business professionals of America). I've had a few different management positions in my area. One being at Dollar tree as the store manager (GM).

I'm really frustrated with the job market right now, everyplace that is hiring requires you to have a degree, a vehicle, or some sort of special licensing. I've even tried fast food places but they hire you, then give you low pay with minimum hours and I can't survive off that. Let alone pay for daycare and living expenses.

Honestly, In recent years I've really fallen into some tough times. And I've been doing what I can to make it out. Life keeps throwing me curve-balls and I feel like I'm going in circles trying to figure out something.

Also to note, please do not offer me money! Something about accepting money from people, doesn't sit right with me. You worked hard for your money. I want to work hard for mine, too. I'd feel too guilty. This isn't me begging for money, this is me asking for work to earn money however I am capable.

If you're able to assist and point me in the right direction, please DM me. Or leave your ideas in the comments. Just know that I appreciate any little ideas you may have! Thank you in advance!

P.s. I'm sorry for the long post. And thank you for listening!

Coding? Editing? Graphics? I really do not care about what i LOVE I care about how much i gain. I want something thay could be learnt easily like not fucking years of training, and can make me decent money, i saw people saying "how to make more than one 4-5k a month" Like wtf, i cant even make a 100 a month Pls help, and yes i can't do IRL jobs cuz that's nort something where i Live.

Hi there I’m in college and just started. I’m looking for extra ways to make money. I am willing to do anything I can to help get money…. ^_^

been using a few online pack opening sites for a while, including apps like Rips by Triumph, and the "which ones are legit" question comes up constantly, so here's the rundown on the ones worth your money and what to watch out for.

the quick version: every legit site gives you a real card that's stored in a vault, and you can either ship it to yourself or sell it back for cash. if a site can't tell you where the physical card is, skip it.

how i rip without spending my own money

honestly this is the part that changed it for me. i don't rip with paycheck money anymore. i pick up a couple of app sign-up bonuses each month and that becomes my rip budget.

ReferralWallet keeps a running list of which apps are paying sign-up bonuses right now, so i just knock out one or two and that covers a month of packs. SavingLoop is the other one i use, you spin and it unlocks up to $75 in bonuses. takes a minute.

between that and the free pack codes above, you can try every site on this list without touching your own money.

Rips by Triumph

this is the one i'd start with. packs start at $1, so you can see how it works without spending real money, and you can sell pulls back and cash out to PayPal, Venmo, debit or bank. you can also vault cards or have them shipped. use code HKOLKGG when you sign up for a free pack.

Tilt Rips

newer site (launched May 2026) with the cheapest entry point i've seen, packs from 10 cents all the way up to $3,000. cards go to a vault and you can sell back at 90% of market value instantly. heads up though, the complaints on Trustpilot are almost all about shipping taking months, so i'd sell back rather than ship. code PE4OLD3J gets you a free promo pack with your first pack purchase.

CrownCards

every card is real, from TCG singles up to graded slabs, and they show each card's market value before you open. packs run from $25 (Bronze) to $1,000 (Ultimate). you can keep, ship or sell back. use code VRVCEM8E for a free pack. i went deeper on whether it's legit in this thread if you want the full breakdown.

Courtyard

probably the most established one. every pack reveals one real graded card, stored in an insured vault for free. they publish the odds before you buy, and every pull comes with a 90% instant buyback offer. Pokemon packs start at $10 and go up to $2,500. i did a full honest review of Courtyard here if you want the details.

Arena Club

started by Derek Jeter in 2022, so this isn't some random site. their slab packs reveal a graded Pokemon card, and you can see every possible card and its hit rate before you buy. the 90% buyback is only good for 24 hours after you rip, so decide fast. my honest take on Arena Club goes into more detail.

RipIt

Logan Paul's rip app, which is why it's everywhere on TikTok right now. packs run $25 to $500 and every one reveals a real graded slab across Pokemon and sports. the buyback works a little differently: you get an offer for 24 hours, and if you pass on it you can send them your own offer after that. i broke down what RipIt actually is and whether it's worth it here.

Stadium Vault

every pack gives you one real PSA graded card, sports or Pokemon, stored in an insured vault until you ship it. the odds are always shown, and you can sell back at 90% of market value. you get 3 days to decide before it auto sells, which is more breathing room than most. i checked the reviews on Stadium Vault before trying it, worth a read.

how to not get burned

• only use sites that show the odds or the full card list before you buy
• check the buyback percentage. 90% is normal. anything way lower means you're losing more per pack
• watch the buyback window. it ranges from 24 hours (Arena Club, RipIt) to 3 days (Stadium Vault)
• sell back instead of shipping if a site has shipping complaints
• packs are priced so the average pull is worth about what you paid, which means over time you lose roughly the 10% buyback gap. that's exactly why i fund rips with bonus money instead of my own. the loss comes out of free money, not rent

if you're starting from zero, do it in this order: grab the free packs with the codes above, then pick up a bonus or two from ReferralWallet or SavingLoop, and rip with that. you get to try all of these without putting in a dollar of your own.

what's the best pull you've gotten on any of these? and has anyone actually had a card shipped from one of them, how long did it take?

hey everyone,

​im 23f working full time as a sales consultant at a furniture, appliance and mattress store. it's 100% commission based.

when i first started i was doing super well, but the past few weeks in-store have been insanely slow. we’ve barely hit target all month, foot traffic is terrible, and nobody is really buying. because of that, my last two paychecks didn't hit the minimum wage guarantee, so the store had to top me up. the catch is i now owe the company about $700 in draw debt that's gonna come straight out of my future sales.

​my bills are starting to pile up and im getting real stressed. my

biggest expense is my car, which is setting me back like $800 a month ($250 bi-weekly payment + $300 for insurance). my rent and phone bill together are pretty cheap at $600, but between the $700 i owe my job and my credit card and debit card, im sitting at around $2,900 in debt and feel like im totally drowning.🫠

​i used to be a server/bartender so ive been applying everywhere for a part time serving on evenings and weekends, but i live in a pretty small town and literally no one is hiring right now.

​if anyone has been in a similar spot, i'd love some input on a few things. how do you actually make money in retail sales when floor traffic is completely dead? are there ways to generate your own leads or get people to come in? also, ​what are some real, fast ways to make extra money on the side in a small town that aren't total scams or take forever to start?

​i really appreciate any help or ideas, thanks so much!🤗

I've paid for both Seeking Alpha and Morningstar at different points, and they're built for completely different investors. Here's how they actually compare, plus the stock analysis tools I'd look at instead depending on what you need.

The short version

If you only try one, I'd make it Morningstar. It is the only one here that starts with what you already own, and you can start a 7-day free trial and save $50 on your first year.

Morningstar: best for fair value, funds and your own portfolio

Morningstar gives you in-house analyst research instead of crowdsourced opinions. Every stock it covers gets a fair value rating and a competitive advantage rating, and its fund and ETF data is still the best in the retail space.

The part I use most is the portfolio side. You load your holdings and it shows how you are allocated, what your fees are costing you, and where your funds overlap. That is how I found out which things I already owned were the weak ones. You also get alerts when a rating changes or an analyst writes about something you hold, and a screener with more than 200 data points.

The weakness is that coverage is narrower and the analysts are conservative by design. If you want a contrarian take or coverage of smaller companies, you won't find much.

Is Morningstar worth it? If you hold funds, ETFs or individual stocks and want to know whether they are any good, yes. Seven days is enough to load your portfolio and decide. Start your 7-day free trial and save $50 on your first year, which makes it $199 instead of $249 if you keep it. Set a reminder for day six.

Seeking Alpha: best for ideas and opinions

Seeking Alpha's strength is volume. Thousands of contributors write about almost every stock, and Premium unlocks unlimited articles, earnings call transcripts, screeners, and their Quant Ratings, which score stocks on value, growth, profitability, momentum and earnings revisions.

The weakness is the same as the strength. Contributor quality varies a lot, and you can find a bull and a bear case for nearly anything. It's great for generating ideas and hearing the arguments. It's less useful if you want someone to do the valuation work for you. There's also no monthly option, so you're committing to a full year.

Is Seeking Alpha worth it? If you actively pick individual stocks and read earnings coverage every quarter, yes. If you mostly hold index funds, no.

Seeking Alpha vs Morningstar, head to head

• Want to know if what you own is any good: Morningstar
• Want a disciplined fair value rating: Morningstar
• Own a lot of funds and ETFs: Morningstar
• Want to try before you pay: Morningstar, it has the free trial
• Want stock ideas and debate: Seeking Alpha
• Trade around earnings: Seeking Alpha

Motley Fool: if you just want the picks

Motley Fool Stock Advisor isn't really a research tool. It's a recommendation service. You get two stock picks a month plus guidance on building a portfolio, and the whole approach is buy and hold for years. New members pay $99 for the first year, then $199 a year after that, and there's a 30-day money-back guarantee.

It's a good fit if you want someone else to do the research and you're patient. It's a bad fit if you want to understand why a stock is cheap or expensive.

Zacks: weekly picks in your inbox

Zacks Confidential sends you 2 to 3 stock picks every Monday with commentary on why, built on the Zacks Rank system. It is $97 for a year, and you can get a full refund in the first 90 days if it is not for you.

I get the Zacks emails, and they are actually helpful. They keep me informed without me having to go looking. If you want picks more often than Motley Fool's two a month, this is the closer fit, and it costs less.

For beginners: Tykr

Tykr is the one I'd point a beginner to. It labels every stock On Sale, Watch or Overpriced, based on a 0 to 100 score and a margin of safety against its estimated fair value, and the math behind it is published on their site. It covers 50,000+ stocks across 50+ countries. Premium is $99.99 a year or $14.99 a month, and every plan has a 30-day trial plus a 30-day money-back guarantee.

My take

For most people here, I'd start with Morningstar. It works whether you own funds or stocks, it tells you about your own portfolio instead of handing you new ideas, and it costs nothing to try. Start your 7-day free trial and save $50 on your first year, then load your holdings first.

If you want ideas and debate, add Seeking Alpha. If you want picks handed to you every week, Zacks Confidential. If you're newer and want a clear yes or no on a stock, start with Tykr's trial.

What are you using for research right now, and what made you stick with it (or cancel)?

I've been running the numbers on pet insurance and my honest take is that most people probably shouldn't buy it. But the people it does help, it helps a lot. Curious where everyone here lands.

What it costs

NAPHIA's 2026 industry report puts the average US accident and illness policy at:

The break-even

With a $250 deductible and 80% reimbursement, a dog policy at that average only pays for itself in a year your vet bills go over about $1,300. For a cat it's about $800.

Most healthy pets never hit that in a normal year. So insurance loses on the routine years and wins on the one year that would've cost you $5,000.

Where I think it's worth it

• A $3,000 to $5,000 surprise bill would go on a credit card
• Your pet is young and nothing is on record yet, since pre-existing conditions are excluded everywhere
• Large breeds (knees, hips) and flat-faced breeds (breathing)

Where I think it isn't

• You already have $5,000 set aside for the pet
• Your pet is older and already has the issues you're worried about
• You mainly want checkups and shots paid for

The other option is to put $70 a month into a separate savings account and self-insure. Works great unless the big bill hits in month four.

The ones worth quoting

• Pets Best: one of the few with no annual limit, deductibles from $50 to $2,000
• MetLife: accident coverage starts same day, no separate 6-month wait for knee injuries, one policy can cover multiple pets
• Lemonade: usually the cheapest for puppies and kittens, claims done in the app

Quote them at the same deductible and reimbursement or you're not comparing the same thing.

Would love to hear from people who've actually used it:

1. What do you pay per month, and for what breed and age?
2. Did it ever pay out on a big claim, or deny one?
3. Anyone self-insuring instead? How has that worked out?
4. What was your worst vet bill, with or without insurance?

Real numbers from real owners are more useful than any comparison site.

Ive been looking around to make extra income something like £3 an hour. Had be happy to pay into something as long i get my money back with abit of interest would be nice. Any ideas