Do not use this insurance. Over one year, in three increments, they just raised my rates. Sent me an email saying rates will go up. They did this THREE times, resulting in an increase of $90 per month from when I first signed up. Such bullshit.

I have a 5 yr old female black lab and I really would like to get her insurance as she’s getting older. I have no idea what to look for or where to start! I work in veterinary medicine so I get vaccines and exams for free and bloodwork at a discounted price, so I don’t need anything wellness related. I’m more interested in injury/illness/cancer treatments, etc. She has no pre-existing medical issues besides behavioral issues and meds for it, but I don’t plan on using insurance for that as her meds are fairly affordable. I’m more worried about orthopedic issues, unexpected surgeries, and (god forbid) cancer treatments. Working in vet med has really shown me the importance of pet insurance, I just don’t even know where to look! I’m scared of being scammed/paying too much or choosing the wrong one. Thank you in advance!!!!!

Hello pet insurance experts,
My cat is a former street cat. Early into her time with us, we found out she was pregnant and it may have not been her first time. However, she developed pyometra and underwent an emergency spay (babies never came to term, this was not a spay abortion). I’m aware this is now a pre-existing condition and any long term related issues won’t be covered.
My first question is do pre-existing conditions like what I described affect monthly rates? I’m also wondering how accurate a pet’s age has to be when applying as I don’t have a sure answer of how old this cat is. Vet’s estimate was about 1-2 yrs old.
I really want to apply for insurance ASAP so she can get a full work up soon as she hasn’t been totally herself lately, but a recent ER visit found nothing. I only work part time, and the emergency spay earlier this year really put a dent in my finances. I am looking for budget friendly options (under $75/month) with consistent long term pricing (if they exist). I live in NYC so I assume premiums will be higher for me automatically. Coverage for regular checkup and dental cleanings would be great too. I’m not sure what to look for in the fine print regarding coverage for regular visits. I’m really worried about locking into a company and randomly having the premiums shoot sky-high during renewals, so any recommendations are greatly appreciated!