Investing in Their First Year: An Act of Love

You recently brought home your beloved puppy. Maybe they were your Christmas surprise, a New Year’s resolution coming to life, or the best January birthday gift you’ve ever received.

You’ve got the essentials—the cozy bed, the chew toys, the puppy food, and even that adorable little collar.

But have you thought about what they’ll really need?

Along with cuddles and tail wags comes a year full of surprises—some more expensive than you might expect. Vaccinations, routine check-ups, spaying or neutering, and yes, the unavoidable emergency when curiosity gets the best of them.

That’s where pet insurance comes in. By acting now, you’re not just preparing for the unexpected—you’re showing your puppy how much you care.

You’re giving them access to the best care possible, ensuring their first year (and beyond) is as healthy and happy as it can be.

Do I Need Pet Insurance?

It’s a question many pet parents ask themselves. After all, you’ve already invested in everything your puppy needs to thrive—from food and toys to vet visits and training.

But here’s the truth: no matter how prepared you are, life with a puppy is unpredictable. Accidents happen. Illnesses appear out of nowhere. And those unplanned vet visits can come with hefty price tags.

Pet insurance is your safety net. It’s not about if something will happen—it’s about when. With pet insurance, you won’t have to hesitate when your puppy needs care. You’ll be able to focus on what matters most: their health, happiness, and those precious moments together.

So, do you need pet insurance? If you want peace of mind, predictable costs, and the ability to give your pup the best care possible, the answer is yes.

1. Lemonade

Pros:
- Low premiums for younger pets.
- Customizable plans to fit your budget.
- Super-fast claim processing.
- User-friendly app for easy management.
Cons:
- Limited availability to 37 states.
- No pre-existing conditions are covered.
- Basic wellness add-ons only.

2. Figo

Pros:
- Full reimbursement option, minimizing out-of-pocket costs.
- 24/7 telehealth for instant advice.
- No annual limits on claims.
- No age restrictions for enrollment.
Cons:
- Premiums increase as pets age.
- No wellness coverage for routine care.
- Pre-existing conditions excluded.

3. Pets Best

Pros:
- Affordable accident-only plans.
- Multi-pet discounts (5%).
- Coverage for pets of all ages.
- Direct vet payments to reduce upfront costs.
Cons:
- Claim processing is slow (up to 30 days).
- Exam fees are not included in standard plans.
- Behavioral treatment coverage is limited.

4. Embrace

Pros:
- Deductible decreases by $50 each year without claims.
- Covers curable pre-existing conditions after a 12-month symptom-free period.
- Alternative therapies are included in the coverage.
- Wellness rewards add-on for routine care.
Cons:
- Annual limits are capped, which may not suit ongoing treatments.
- Senior pets (15+) are eligible only for accident-only plans.
- Wellness add-ons can raise premiums.

5. Spot

Pros:
- No age restrictions for enrollment.
- Flexible plans for accident-only or comprehensive coverage.
- Wellness add-ons for preventive care.
- Simple claim process.
Cons:
- Higher premiums for older pets.
- Exam fees require add-ons.
- Pre-existing conditions excluded.

Which One is Right for You?

Choosing the right pet insurance depends on your puppy’s specific needs and your budget:

If affordability matters most, Lemonade and Pets Best are excellent options for cost-conscious pet parents.
For tech-savvy features and unlimited benefits, consider Figo.
If routine care and preventive coverage are important, Embrace or Spot might be your best bet.

Remember, the best pet insurance isn’t just about saving money—it’s about ensuring your puppy gets the care they deserve in both emergencies and everyday life.

Take the Next Step

Don’t wait until the unexpected happens. Compare plans, get quotes, and find the coverage that gives you peace of mind and your puppy the healthiest start possible. Because investing in their care today is an act of love that will pay off in the years to come.