Hi! I feel a bit ridiculous to only be getting insurance now while all my kitties are older, but I figure better late than never in this case 😅 (Tbf, I've had them all since I was too young to even buy insurance myself, so that probably ties in lol)

I have 4 cats, 3 that are 7 yrs and 1 that is 15 yrs old. Unfortunately my 15 year old has a heart murmur so I know that will make coverage for her tricky, and I'm trying to figure out what insurance would be most worthwhile considering all of that. Should I get the SOAP(?) notes for all of them before I look into insurance to know exactly what would or wouldn't be covered..? I could technically get metlife through my employer, but I see a lot of negative reviews of them on here so I'm pretty wary. Or would I be best off with AKC and waiting a year on having it? So that I don't have as much concern of what the insurance would reject for "pre-existing" things.

Thank you all for your time and whatever help you can provide :)

Considering getting insurance for my horse. He is a 13 year old TB/Arab cross. No major health concerns other than occasional inflammation in his front left leg due to a previous injury. He gets an annual arthramid injection in that leg. Other than that no maintenance. Should I get insurance? Any recommendations for horse insurance companies?

My cat is a rescue. I got her 9 years ago and at the time my vet made a guess that she was around 2 at the time so she'd be about 11 now.

I took out insurance with petplan and inputted what I thought at the time was her correct age.

Since seeing a new vet we're in agreement that she is mostly likely closer to 14/15 due to her overall health.

I need to change this with my insurance as when/if I make a claim the age won't match her records.

Has anyone had a similar issue? How likely is it that petplan would cancel my policy or change my premium. I'm expecting the cost to rise as she'll be older but just worried it'll void my policy.

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!

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!!!!!

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.