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Which pet insurance to purchase?

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Hello, we sign paperwork to adopt our current foster tomorrow, and I want to purchase a pet insurance policy.  I have never done this before.  Can anyone point me to a reputable company that is not too much of a hassle to deal with if claims must be filed, and who won't drop us or spike the premiums if, God forbid, we run into something that requires a lot of claims or is a chronic condition in the future.  FYI - she just turned 2 in Oct. 

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I have Nationwide, previously VPI, and quite like them. I only have exotic pets at the moment (hedgehogs and a Guinea pig) but I'm very happy with their compensation when I have a claim.

Jennie


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Sending warm and loving hugs to all who have ever loved and lost an animal friend
Miss Jennifer, Hooman, Miss Luna, Gimme Pig, and Misser Neville, Hedgamahog
Hedgehog Welfare Society

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Which country are you in?


Grace (Ardera Coleen) born 18 June 2014
Raced at Monmore Green, Wolverhampton UK - 68 Races, 9 wins, 5 second places
Gotcha Day 10 June 2018 

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Funny. 

Not too long ago when an insurance thread popped up Healthy Paws was always the first to get recommended. 

Now it's the first to not get recommended.  Greedy CEO Evan Greenberg (founder of Ace ins) ruined Chubb when he took over. Chubb bought Healthy Paws.

I can't switch because Emma is 10 and CC has too many pre-existing conditions. 

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I've been happy with Embrace, but it does go up every year. Sheba was just under 2 years old when I first started with Embrace Pet Insurance in 2010.  The annual premium in 2010 was $405 ($500 deductible, 80% reimbursement accident/illness, $250 wellness reimbursement, $5,000 max per year). I would change my wellness reimbursement between $250 and $450 each year (which added to the cost of the premium) depending on whether she would need a dental, but she's been needing a dental every year for a few of years now.

The annual premium went up every year: 2010 $405; 2011 $423; 2012 $708; 2013 $429; 2014 $608; 2015 $556; 2016 $764; 2017 $626; $2018 $896; 2019 $1073.

I expect the 2020 premium to be even higher since she will be 12 years old,

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