Is pet insurance worth it reddit. The cons of insurance are that you have to pay up front, file claims, and get reimbursed. And you’ll have to meet your deductible. But especially with an adult cat, you’ll be glad to have it, and the deductible is easy to meet — kitty will need blood work, dental, etc, possibly Rx food if she has an issue. Reply reply. About Figo pet insurance. 5.0. NerdWallet rating. Figo earned 5 stars out of 5 for overall performance thanks to customizable accident and illness plans that come with plenty of perks. For example ...In many cases, pet insurance can be worth the cost, as it can help to alleviate added stress that can come with dealing with your pet’s health expenses. Pet owners with young to middle-aged pets may find that pet insurance is especially great for them as it can help mitigate the costs of paying for treatment for any health issues that arise ...Overall, whether or not pet insurance is worth it will depend on your individual circumstances. If you have a healthy pet and are not concerned about unexpected veterinary …Pros & Cons. Is Pet Insurance Worth It? Pet insurance can be a good way to help offset a major unexpected vet bill, like cancer treatment or a broken bone, which can cost thousands of... Their top-rated pet insurance plan covers everything that matters including accidents, illnesses, chronic illnesses, injuries, hereditary conditions, cancer, emergency care, genetic conditions, alternative care and more. Reimbursements are 70%, 80%, or 90% of the actual medical bill. Annual deductibles are $100, $250, and $500. Advertising on Reddit can be a great way to reach a large, engaged audience. With millions of active users and page views per month, Reddit is one of the more popular websites for ...A community dedicated to people living with HIV. Got PEP today as a precaution, insurance did not cover part of it. Paid out of pocket, looking for advice. upvotes. r/dogs. r/dogs. /r/dogs is a place for dog owners of all levels of knowledge, skill, and experience to discuss various topics related to responsible dog ownership. This subreddit is ... This applies to cars, houses or pets. My experience is pet policies often have very low caps for many claimable events. Many will never pay out $10k, they might cap it at $3k or $5k for certain things and you pay the gap. The point difference with pet insurance is that the maximum amount you get paid is pretty low. Jan 20, 2566 BE ... Yes, pet insurance can help offset the cost of an ultrasound to diagnose a heart murmur, as well as other veterinary expenses such as treatment ...May 10, 2565 BE ... Accidents don't wait until you have a nice $5000 savings account built up. Goldens are also prone to joint disorders and cancer - I will never ...Just a couple of weeks ago, I submitted a claim since my dog had been dealing with elevated liver enzyme levels in the last couple of months. I have been on Embrace Pet Insurance since Aug 2021 with an annual deductible of $750, and just this year so far I had spent like $1400 for the diagnosis, the liver pills, ultrasound, etc.PetPlan is the biggest. Most are pretty good. All pet insurance follows the same principles. a) there are two types- lifetime and year-to-year. Lifetime means, that if your pet picks up a recurring conidtion during the insurance, it will be covered for that in future years (if you keep renewing). The other type means that NO previous conditions ...Life insurance is critically important if you have someone who depends on your income to survive (i.e. spouse, children, dependent parent or sibling, etc). Otherwise, its a waste of money. 50. nothlit. • 2 yr. ago. Term life insurance is worthwhile if you have dependents (spouse, kids) who rely on your income. Hey guys! So I adopted my cat Darwin a couple of years ago and didn’t think to get pet insurance at the time because my parents had always paid out of pocket for our family pets. However, I am a university student and after a recent $500 bill for a mycoplasma infection, I’m wondering about pet insurance. Get pet insurance while it's still relatively inexpensive for your pet, because the peace of mind is absolutely worth it. Maybe you'll never use it, and that's great! But if your pet becomes potentially fatally ill, injured, etc. you will feel so much better getting them whatever treatment they need. 2. About Embrace pet insurance. 5.0. NerdWallet rating. Embrace earned 5 stars out of 5 for overall performance. Based in Cleveland, Embrace offers popular and comprehensive pet insurance for cats ...I have healthy paws but I think all insurance is like this, anything could count as a pre-existing condition. Even if your vet wrong down one small comment but never conveyed it to you, it will count as a pre-existing condition. I would review your pet’s full medical record before purchasing/sending insurance. For reference my puppy is 9 ...Pet insurance is absolutely worth it if you can afford it, and if you can’t you should be putting away at least $25 a month just for the pet as an emergency fund if possible. hope1083. • 2 yr. ago. I have pet insurance and it has saved me so much money.steph_not_curry93. • 2 yr. ago. Pets best by Progressive has been amazing. $27 a month and they have reimbursed for 80% of $25K in our dog’s care over the last year without any questions or issues. Alert_Club8448. • 2 yr. ago. Check out Lemonade it’s great.You never know if it will be you that has a million dollar medical bill when you think you are perfectly healthy. Yes health insurance it worth it. You got lucky that the hospital discounted your bill but that is not a guarantee. Insurance is there to protect you.I have healthy paws but I think all insurance is like this, anything could count as a pre-existing condition. Even if your vet wrong down one small comment but never conveyed it to you, it will count as a pre-existing condition. I would review your pet’s full medical record before purchasing/sending insurance. For reference my puppy is 9 ... Get pet insurance while it's still relatively inexpensive for your pet, because the peace of mind is absolutely worth it. Maybe you'll never use it, and that's great! But if your pet becomes potentially fatally ill, injured, etc. you will feel so much better getting them whatever treatment they need. 2. 5. tenleid • 2 yr. ago. Pet insurance is a near-scam that will do nothing but stress you out and bend over backwards to deny you coverage. Especially on a 6 year old dog. You also need to pay up front and then try to get reimbursed most of the time so you have to have the $ on hand anyway. 6. EastVanTown • 2 yr. ago.For example, for $9.95/mo Pet Assure gives you a 25% discount at a participating vet: If your cat eats something they shouldn’t (e.g., plastic), and your vet happens to participate in the program, then an $800 vet bill only costs you $600. If your vet isn’t “in-network,” you’ll be responsible for the total $800.NerdWallet rating. AKC earned 4.5 stars out of 5 for overall performance. Founded in 1884, the American Kennel Club has historically been the home for purebred dog owners. …Finding the right insurance coverage can be a daunting task. With so many options available, it can be difficult to know which one is right for you. That’s why Progressive Insuranc...It’s either $8 or $9 per month only, I have a $50 annual deductible, and after that they’ll pay everything up to $1,000. I know vet bills can cost waaaay more than that but for my young cats, it’s an affordable option that is still helpful. baileyshmailey. • 3 yr. ago.I have a really small policy for emergencies. In general, you lose money on pet insurance. The insurance company cannot function unless they take in more money than they pay out. However, if you can not afford a large emergency expense (at least a couple thousand dollars), you should probably have it.Insurers want to make you the “best pet parent” by providing the “care your pet deserves”. However, this cover doesn’t come cheap and our survey found these policies can have a few claws you need to be aware of before taking the plunge. We compared the cost of nine comprehensive pet insurance policies for: a six-month-old moggy, and.rick and morty season 7 episode 1 watch onlineheavy equipment operator I got it for a new puppy & bought the wellness package. I got 10k max benefit annually (you can get higher if you call them) $100 deductible and no co-pay. It costs around $80 a month. So far I've filed 3 claims and they've all been paid within 8 days. $144 for vaccinations & exam received $44 payment. $168 more vaccinations, and fecal test ...Other Reddit Insurance Communities. r/Insurance - Over 72K redditors discussing insurance plans for pets health, auto, home and more. r/HealthInsurance - 22K Reddit members discussing health insurance. Unlikely. If you can insure your 12 year old dog at all it’ll be exorbitantly expensive - best time to start a pet insurance policy is when the pet is very young, a lot of companies won’t insure at all if the dog is over like six years old. cottonidhoe. • 9 hr. ago. I have Nationwide, My Pet Protection w Wellness, also w a minimal employer discount for both my almost 3 y/o cat (I’ve had him since 10 weeks) and my new puppy. 100% worth it IMHO. It covers just about everything. The others really start to limit what they cover. I spent 1000’s on my last pup’s health care (no insurance) in his later ...14. radicalresting. • 3 yr. ago. I currently have FIGO. I got it when my cats were kittens so the price was pretty cheap. Currently I pay $33/month for one cat, and $28/month for the other. If I have to use the insurance, it’s basically a $500 deductible, which gets me $10,000 coverage per year, per animal.Avoid the Banfield plan it's a waste of money and to me the care is sub pare. If you're interested in pet insurance there are a lot of great options out there. The ones I see the most are TruPanion, Embrace, HealtyPaws and VPI (not a fan of VPI though). It is different than human insurance. You need to pay the vet upfront and the insurance will ...Pros & Cons. Is Pet Insurance Worth It? Pet insurance can be a good way to help offset a major unexpected vet bill, like cancer treatment or a broken bone, which can cost thousands of... I have MetLife pet insurance and find it terrible. They milk us for monthly payments then find paperwork reasons to deny coverage. I am completely dissatisfied. Paid them about $1700 over the past 9 months and are offering $150 on something that cost over $3k. And that is the first money they’ve offered yet. After 5 vets visits and 5 previous ... Aug 3, 2566 BE ... Is pet insurance worth it? CR rated eight insurers: ASPCA, Banfield, Embrace, Fetch, Healthy Paws, Nationwide Pet Insurance, Pets Best, ... kindle signature editionsummer camp for teenagers Pet insurance is worth it for me. My dog is a mutt, and I paid $50/month for 10 years for her, which is $600/year, $6000 over 10 years. She had to get a root canal, and then subsequently broke that tooth off, and the total was $12k. …This applies to cars, houses or pets. My experience is pet policies often have very low caps for many claimable events. Many will never pay out $10k, they might cap it at $3k or $5k for certain things and you pay the gap. The point difference with pet insurance is that the maximum amount you get paid is pretty low.Aug 18, 2558 BE ... Its 2011 article declares "Pet insurance: rarely worth the price." The researchers get to that conclusion by looking at the case of a 10 ... how big is the iphone 15 Like any insurance, whether it's worth it will come down to your particular risks and risk tolerance - just give the policy a thorough read. For example, a Pug wouldn't be covered for anything related to breathing problems due to being considered a pre …I could get insurance that’s $28/month with an annual benefit of $5000 after a $250 deductible. Reimbursement is 80%. I’m not sure if it’s worth it to switch as these are pretty different plans and I’m having a hard time wrapping my head around it. … starbucks oleatovegan restaurant fort lauderdalebest desk chair reddit In 2023, the average cost of a vet consultation in the UK was £53.82 - but that doesn’t include the cost of any treatment or medication your cat might need. From November 2022 to October 2023, the average ManyPets insurance claim for a cat was £327.94. With an insurance policy, you’ll have support for the cost of any necessary vet ...And also as your dog is older with more risk for illness - your coverage would probably be really high too. Not for older dogs. Puppies sometimes, but won’t work for most older dogs. Pet insurance is a little iffy but I’ve heard good things about the care credit card for situations like this. Check it out. dryer not drying well - Consumer Reports. Is Pet Insurance Worth It? Consumer Reports’ first-ever ratings of pet insurers can help you decide whether buying coverage makes financial sense, …For example, for $9.95/mo Pet Assure gives you a 25% discount at a participating vet: If your cat eats something they shouldn’t (e.g., plastic), and your vet happens to participate in the program, then an $800 vet bill only costs you $600. If your vet isn’t “in-network,” you’ll be responsible for the total $800. dead car battery Depends on location. In the states and Canada there's a few cheap options around $20. As someone who's had cat insurance for the last 2 years, here's my advice, pros and cons. When it comes to pet insurance you have to know right away that you will likely not use it for the first five to eight years of your cat's life.What People Are Saying on Reddit. What People Are Saying on Quora. How to Find the Pet Insurance Plan That’s Worth It For You. Key Takeaways. Questions & Answers. The Case for Pet Insurance in 2023. The total …I have pet insurance for all three of my cats, and all three have asthma. Diva Kitty’s asthma is a pre-existing condition, the other two are fully covered. The good news is, pet insurance has covered everything without issue for five years except for DK’s asthma medication (she uses a preventative inhaler daily.)We pretty much checked the box to have him covered for injury/ illness/ preventative care and wellness/ and extended care (which included reimbursement for vet fees including physical therapy, hydrotherapy, etc.) We live in Arlington, Texas. Our plan: $100 deductible/ 10% coinsurance/ up to $50k in covered costs, for only $55 a month.Don't go with Embrace pet insurance. [Breeds] 🐕 Info. I ended up paying them over $90 a month and then wellness was tapped out on a $25 medication, a blood test, and an initial office visit consult to provide them a statement he was healthy. I ended up cancelling with them after the neuter (which I expected about $400 for as that was what ...If the cost for insurance for routine visits was more than that it wouldn't be worth it. When your cat is older, if the routine visit insurance covers dental cleanings I would 100% do it. Those get expensive fast it's $1,000 - $2,000 according to my vet but that also depends on if they need teeth pulled. The nice thing about routine costs is ... body art formiphone emulator for pc Feb 1, 2024 · If your pet gets injured or sick, pet insurance helps cover medical expenses. What was once an obscure insurance product has been gaining steam. There are nearly 4 million cats and dogs insured in ... You paid $750 for that poison scare. If you had this insurance you would have paid $860.96 for the year - $510.96 in premiums, $250 deductible, and $100 coinsurance (on the remaining $500 balance). Save yourself. Pet insurance is a tough thing to explain to people.A Simple Monthly or Annual Fee. When buying pet insurance, most companies give you a choice of excess amounts. Choosing a higher excess means you’ll pay more if you pet needs treatment. But it will often reduce the monthly or yearly cost of the policy. Lowing the excess means you’ll pay less if your pet needs treatment.1. momomeow1105. • 1 yr. ago. Yes, pet insurance can help offset the cost of an ultrasound to diagnose a heart murmur, as well as other veterinary expenses such as treatment for illnesses or injuries, vaccinations, and routine check-ups. Keep in mind that different pet insurance policies have different coverage options and exclusions, so it's ... how to get internet without cable That type of insurance is trying to fuck up pet healthcare to human levels. I enrolled with Figo 5 years ago, and overall, it’s been great for my dogs. For some people, saving the monthly premium works, but when your pet needs advanced imaging and care to find out what’s wrong, those funds can slip away quickly.Best of luck! Particular_Report371. •. My opinion: go on trupanion, petplan, healthy paws, and get one of their free quotes, trupanion will probably be the priciest, then look at them all and within the range of most expensive to least, find a number you are comfortable putting into savings every single month.Insurers want to make you the “best pet parent” by providing the “care your pet deserves”. However, this cover doesn’t come cheap and our survey found these policies can have a few claws you need to be aware of before taking the plunge. We compared the cost of nine comprehensive pet insurance policies for: a six-month-old moggy, and.I could get insurance that’s $28/month with an annual benefit of $5000 after a $250 deductible. Reimbursement is 80%. I’m not sure if it’s worth it to switch as these are pretty different plans and I’m having a hard time wrapping my head around it. … the.last.voyage.of.the.demeter.progressive insurance review Pet insurance is worth it for me. My dog is a mutt, and I paid $50/month for 10 years for her, which is $600/year, $6000 over 10 years. She had to get a root canal, and then subsequently broke that tooth off, and the total was $12k. …About Figo pet insurance. 5.0. NerdWallet rating. Figo earned 5 stars out of 5 for overall performance thanks to customizable accident and illness plans that come with plenty of perks. For example ...5.0. NerdWallet rating. Pets Best earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula considers … my review of lemonade pet insurance. [Discussion] just finished my first year with lemonade pet insurance. here are my thoughts. i think my rate went up this year, from 28$ a month to 30$. my dog turned 5 and claimed this to be their reasoning for the jump. not awesome but not terrible either. he had no disclosed issues before starting. Aug 18, 2558 BE ... Its 2011 article declares "Pet insurance: rarely worth the price." The researchers get to that conclusion by looking at the case of a 10 ...PantheraPardus. •. We have the coverage without wellness and I don’t recall choosing a percentage - for our brand new puppy, it’s ~$40/month with a $250 deductible followed by 100% coverage for all illness and injury. Our 7 year old dog is ~$60 a month, same deductible - his paid for itself this year.Cats. $29.75. $46.57. Dogs are generally more expensive to insure than cats because, generally speaking, their care costs are higher because of their larger average size — and more claims are ... Yes to me it is worth it. My idea is this I do not want to have the debate of the health and wellbeing of my cat with money/cost/affordability of the procedure/treatment. If you have a good savings set aside just for your pets, I do not believe you will need pet insurance. how much does it cost to power wash a house All insurance is "worth", is the peace of mind it would give you to have it — this includes all insurances, not just pet. There's no guarantee that your pet will or won't have health issues or medical emergencies, so it's a matter of risk tolerance. Sep 11, 2565 BE ... Pet insurance can make a big difference in medical costs, so get it before you need it. Shop around for less expensive vaccinations and toy ...Pet insurance is a popular choice among pet owners when it comes to protecting their furry friends. While some believe it’s an unnecessary expense, others see it as a practical investment. In this discussion on Reddit, the question of whether pet insurance is worth it …The insurance allows me to not hesitate to take my Frenchie to the vet because of the cost. I just submit a PDF copy of my receipt from the vet to Nationwide and they take about 2 weeks to reimburse me. When I set up the insurance, they said the $30 per paycheck is based on the average cost of ALL dogs in the state you live in - not just French ... que bella face mask Sep 13, 2566 BE ... When I looked into it a few years back, no pet insurance covered pre-existing conditions. I'm sure you want insurance for your old cat because ...Which pet insurance discounts you may qualify for. For example: For a Chihuahua puppy in Sacramento, California pet insurance costs $22 to $31/mo . For an adult Golden Retriever in Newark, New Jersey pet …Deductibles: A pet insurance deductible is the amount of your vet bills you’ll need to pay before your insurer starts reimbursing you. MetLife’s deductibles range from $0 to $2,500 per year ... where can i watch midsommar Jan 15, 2566 BE ... A trip to the vet can be an unexpected expense for dog and cat owners alike. Pet insurance helps make it cheaper. Is it worth it?Dec 29, 2566 BE ... it is 100% worth investing in insurance. when issues arise and you've got a gut-wrenching decision to make you'll want to know you have the ...Fetch Pet Insurance vs Trupanion. Resources. looking into all different Pet Insurance providers (wow, there is a lot). I think Trupanion makes the most sense... but it's so costly. I found Fetch (fetchpet) and it seems very similar, but does not have much in the way of reviews. Fetch is ~$20/mo less than Trupanion. (this is for a puppy)Pet insurance is definitely worth it. IF something were to happen beyond your minor cuts scrapes, bout of diarrhea etc it can become very expensive very fast. With humans we can go to the doctor tell them all our symptoms history etc and this narrows it down to what kind of test they would need or what to even consider looking into.You paid $750 for that poison scare. If you had this insurance you would have paid $860.96 for the year - $510.96 in premiums, $250 deductible, and $100 coinsurance (on the remaining $500 balance). Save yourself. Pet insurance is a tough thing to explain to people. spiritual battle verseswhere to watch i am legend Our furry friends aren’t just, well, friends. They’re our furry family members. We cherish them as entertaining companions, and we love them deeply for the joy they bring to our li...FYI most pet insurance wont cover genetic issues,teeth,etc or anything other than accidents. Better to put the $ into a savings account. lefrenchkiwi • 41 min. ago. Honestly I’d say the current trend of “you must have pet insurance” is what’s driving the cost of going to the vet sky high.We use truly pet insurance. Can't comment on USAA pet insurance-, but in a nut shell- they are probably not likely to cover pre-existing conditions. We had a dog that was in renal failure- Spent 2 weeks in the ICU at the pet hospital- easily $10000 for the stay- without insurance we wouldn't have been able to afford this, but with pet insurance ...Say you have 80% coverage, so you would pay $130 ($70 exam fee and $60 for your 20%), insurance would reimburse $240. Obviously the real benefit comes in when you're facing larger costs (like the overnight emergency vet stay my dog had). I plan to use it again for my next dog, though.Pet insurance allows you to secure healthcare coverage for your cat, dog, or other furry friend, making the cost of veterinary care more manageable in a variety of situations. Whil...If you have a potentially very expensive pet then insurance might be worth it. But if you take your premiums and put them aside like you said, that would certainly cover 99% of possible scenarios. I love my dogs and they're included …The cons of insurance are that you have to pay up front, file claims, and get reimbursed. And you’ll have to meet your deductible. But especially with an adult cat, you’ll be glad to have it, and the deductible is easy to meet — kitty will need blood work, dental, etc, possibly Rx food if she has an issue. Reply reply.Finding the right insurance coverage can be a daunting task. With so many options available, it can be difficult to know which one is right for you. That’s why Progressive Insuranc...Jan 30, 2024 · NerdWallet rating. Fetch earned 4.5 stars out of 5 for overall performance. Formerly known as Petplan, Fetch offers an accident and illness policy with a unique coverage: up to $1,000 in boarding ... But no, Pet Insurance is not worth it. Put the $40 or so dollars per month that you would spend on pet insurance into a (your choice of investment, but even a bank account with interest. 1.35% is better than nothing). Then, pay for medical expenses out of that. There will be thousands of dollars in that account when your pet is old. If you have a potentially very expensive pet then insurance might be worth it. But if you take your premiums and put them aside like you said, that would certainly cover 99% of possible scenarios. I love my dogs and they're included …They don’t have coverage for them, sadly. Hello OP! Check Standard Insurance :) They have pet insurance packages for dogs & cats! This is a valid question, in US you can apply your pet to an insurance as part of your employee benefits.Correct_Wolverine820. • 5 mo. ago. It depends. If your pet has a pre-existing condition that requires medical treatments, you might be paying monthly premiums and then get nothing in return. You’ll need to tread carefully, and make sure you get all questions answered in writing by the insurer. true. where to watch love island usa According to the American Pet Products Association, 70% of U.S. households have at least one pet. If you’re among them, ensuring your pet receives the veterinary care they need to ...5 days ago · Deductibles $100 – $500. Reimbursements 70% – 90%. About: Healthypaws was far and away the most popular pet insurance plan among Reddit users in our research. All customers seem to be big fans and had nothing but good things to say about Healthypaws. Dealing with Nationwide has been a nightmare. I’ve spent a total of about $1,500 in bills for him this year, I’ve submitted all forms and met my deductibles. I’ve recovered maybe $300 in claims. I don't have any personal experience with it but my step-dad gets it through his job and my mom had him sign up their dog. best work pants for men I could get insurance that’s $28/month with an annual benefit of $5000 after a $250 deductible. Reimbursement is 80%. I’m not sure if it’s worth it to switch as these are pretty different plans and I’m having a hard time wrapping my head around it. …Pet insurance is worth it. I don't live in the States so can't comment on companies but if something comes up, you can just act- no second guessing, no arguments with spouse (or whomever) if it is 'worth it'. And if you don't use it, then that is a blessing! I didn't insure my dog till he was about 6 and my cat was 5.Aug 3, 2566 BE ... Is pet insurance worth it? CR rated eight insurers: ASPCA, Banfield, Embrace, Fetch, Healthy Paws, Nationwide Pet Insurance, Pets Best, ... remove people.from photos iphonefracture case csgo NerdWallet rating. AKC earned 4.5 stars out of 5 for overall performance. Founded in 1884, the American Kennel Club has historically been the home for purebred dog owners. …Deductibles $100 – $500. Reimbursements 70% – 90%. About: Healthypaws was far and away the most popular pet insurance plan among Reddit users in our research. All customers seem to be big fans and had nothing but …Aug 18, 2558 BE ... Its 2011 article declares "Pet insurance: rarely worth the price." The researchers get to that conclusion by looking at the case of a 10 ... window coverings for bay windows In 2023, the average cost of a vet consultation in the UK was £53.82 - but that doesn’t include the cost of any treatment or medication your cat might need. From November 2022 to October 2023, the average ManyPets insurance claim for a cat was £327.94. With an insurance policy, you’ll have support for the cost of any necessary vet ...Life insurance is critically important if you have someone who depends on your income to survive (i.e. spouse, children, dependent parent or sibling, etc). Otherwise, its a waste of money. 50. nothlit. • 2 yr. ago. Term life insurance is worthwhile if you have dependents (spouse, kids) who rely on your income. Pet insurance is insurance for something that I believe the majority of pet owners would not buy: multi thousand dollar procedures for a pet. Things like cancer or diabetes are just to expensive. So, if you cannot afford, for instance, a $3000 treatment for an elderly animal, you probably cannot "afford" the insurance, either. AKC Pet Insurance - our experience. So I’ve seen a few people asking about pet insurance recently and given our little mishap last week with a blockage in our pup’s tummy I figured I would share how our first experience filing a claim went. We have AKC pet insurance with a $250 deductible, unlimited incident/annual limit with 20% coinsurance.Deductibles $100 – $500. Reimbursements 70% – 90%. About: Healthypaws was far and away the most popular pet insurance plan among Reddit users in our research. All customers seem to be big fans and had nothing but …Yes for 2 main reasons. If you need tech support or if you need assistance in filing a claim in a AT&T store. Also screen replacements and claim limits on protech advantage are better such as $29 to replace a screen etc. r/ATT.Updated August 25, 2021. Photo: Rozette Rago. FYI. We’ve overhauled this piece to focus on offering advice about how to shop for pet insurance. August 2021. Pet insurance is …Pet insurance is definitely worth it. IF something were to happen beyond your minor cuts scrapes, bout of diarrhea etc it can become very expensive very fast. With humans we can go to the doctor tell them all our symptoms history etc and this narrows it down to what kind of test they would need or what to even consider looking into. bars in st george utah My current rate is 190 a month with a 250 deductible and 90% of all cost, including flea and heartworm etc. They have basically doubled my premium over the years but it’s still worth it. Especially for big dogs bc vets charge by the weight of the dog for meds etc. Filing is easy and they seem pretty quick to pay.You don't want your pets to develop a condition that insurance covers only for that company to fold 10 year down the road, insurances won't cover pre-existing conditions. It's worked out great for one of my cats, she's got life long asthma now and we've put her on an inhaler for it. $300 every 2 months, but I get reimbursed 90% of that each ... reseeding lawn They don’t have coverage for them, sadly. Hello OP! Check Standard Insurance :) They have pet insurance packages for dogs & cats! This is a valid question, in US you can apply your pet to an insurance as part of your employee benefits.The pet insurance model is no different than home insurance - there's a slim chance it'll be worth it financially but it offers a very nice piece of mind. I've had pet insurance for some time now and if I did the math I wouldn't be on top but I never had issues with coverage whatsoever (many places even have direct billing / filling).Unlike Twitter or LinkedIn, Reddit seems to have a steeper learning curve for new users, especially for those users who fall outside of the Millennial and Gen-Z cohorts. That’s to ... hsr banners If the accredited pet clinics or vets are not near to you, think twice before getting pet insurance from Malayan. You might also need to check any pre-existing conditions of your pet that you need to disclose to the agent. Ang pangit pala ng coverage.Total bills for emergency vet hospital and a week with a specialist vet and then months of follow ups were around $15,000 in total. They covered every single visit at our plan's 90/10 split, even though our dog has a variety of pre-exisiting conditions from before he was covered.No one plans to be injured or sick and neither do cats or dogs. As illness or broken bones can be painful, it never hurts to prepare for the unexpected when it ...If you’re one of the 90.5 million households that own a pet, doing everything you can to ensure your furry friend’s health is often a priority. However, with veterinary care costs ...Like any insurance, whether it's worth it will come down to your particular risks and risk tolerance - just give the policy a thorough read. For example, a Pug wouldn't be covered for anything related to breathing problems due to being considered a pre … To be fair, $149/mo for 9 years is $16,092. Add that to the $3,000 you paid toward the care, and you spent more like $19,000 for $17,000 worth of care. Reply reply. Itsdawsontime. •. That’s not how pet insurance works. First year was around $15, second $25, third $33, etc etc. when he was 7 it was $90. Yes, my cats asthma inhaler costs $300 a month...pet insurance covers it. It's pretty amazing but the key is to get it asap when they are healthy. I spend $1000's a month on them and majority of it is reimbursed. My cat has asthma too and I spend a third of that every few months on a three pack of the steroid inhaler. In 4 yrs the insurance paid about $20k. The cat was family and I didn't want money to dictate my family. I get it is in favor of the insurance company but $50-$80 is worth it for someone who we treat as family. When you look at the cost of a pet versus a human monthly needs, the pet is way cheaper overall.You should not have to pay to use a broker to shop plans for you. They will get a commission from the insurance company if you sign. We found it beneficial when shopping around, the agent we worked with shopped several insurance co's and was able to explain things about policies and answer questions we had.Specifically with Embrace, I noticed the premiums going down very rapidly with higher deductibles. Specifically, on a $15k max benefit, 90% reimbursement plan, I was quoted per deductible: $100 - $32.86/mo. $250 - $25.16/mo. $500 - $19.61/mo. $750 - $15.04/mo. Pet insurance is insurance for something that I believe the majority of pet owners would not buy: multi thousand dollar procedures for a pet. Things like cancer or diabetes are just to expensive. So, if you cannot afford, for instance, a $3000 treatment for an elderly animal, you probably cannot "afford" the insurance, either. 1. momomeow1105. • 1 yr. ago. Yes, pet insurance can help offset the cost of an ultrasound to diagnose a heart murmur, as well as other veterinary expenses such as treatment for illnesses or injuries, vaccinations, and routine check-ups. Keep in mind that different pet insurance policies have different coverage options and exclusions, so it's ...Not worth it for just one scrip in this case,but could be worth it for a serious injury, Illness, etc. 1. Tuckermfker. • 4 mo. ago. I had a three year old otherwise healthy indoor cat develop a kidney blockage. Just the testing required to find out what was wrong and that we would have to put him down was around $2500.If pet insurance is purely a game of 'will you come out the other side ahead', then pet insurance is not worth it. However, for those of us with pet insurance, it's NOT that sort of question. It's …We pretty much checked the box to have him covered for injury/ illness/ preventative care and wellness/ and extended care (which included reimbursement for vet fees including physical therapy, hydrotherapy, etc.) We live in Arlington, Texas. Our plan: $100 deductible/ 10% coinsurance/ up to $50k in covered costs, for only $55 a month.Is pet insurance worth it? There are pros and cons to investing in pet insurance, and it can vary on a pet-by-pet basis. Is it right for you? Written by Emily Johnson. — …Pet insurance is worth it for me. My dog is a mutt, and I paid $50/month for 10 years for her, which is $600/year, $6000 over 10 years. She had to get a root canal, and then subsequently broke that tooth off, and the total was $12k. … fiberglass vs vinyl windowsplant based meatballs A Simple Monthly or Annual Fee. When buying pet insurance, most companies give you a choice of excess amounts. Choosing a higher excess means you’ll pay more if you pet needs treatment. But it will often reduce the monthly or yearly cost of the policy. Lowing the excess means you’ll pay less if your pet needs treatment.Other Reddit Insurance Communities. r/Insurance - Over 72K redditors discussing insurance plans for pets health, auto, home and more. r/HealthInsurance - 22K Reddit members discussing health insurance. how do you say hi in greek Get pet insurance while it's still relatively inexpensive for your pet, because the peace of mind is absolutely worth it. Maybe you'll never use it, and that's great! But if your pet becomes potentially fatally ill, injured, etc. you will feel so much better getting them whatever treatment they need. 2.Just a couple of weeks ago, I submitted a claim since my dog had been dealing with elevated liver enzyme levels in the last couple of months. I have been on Embrace Pet Insurance since Aug 2021 with an annual deductible of $750, and just this year so far I had spent like $1400 for the diagnosis, the liver pills, ultrasound, etc.Get the Reddit app Scan this QR code to download the app now. Or check it out in the app stores ... I know one of the first things when there is a post about pet insurance is that "self insurance is better, pet insurance is usually not worth it." I totally get that, but have decided to move forwards anyways for the following reasons: ...If the accredited pet clinics or vets are not near to you, think twice before getting pet insurance from Malayan. You might also need to check any pre-existing conditions of your pet that you need to disclose to the agent. Ang pangit pala ng coverage.14. radicalresting. • 3 yr. ago. I currently have FIGO. I got it when my cats were kittens so the price was pretty cheap. Currently I pay $33/month for one cat, and $28/month for the other. If I have to use the insurance, it’s basically a $500 deductible, which gets me $10,000 coverage per year, per animal.Apr 26, 2565 BE ... Edit: Thanks for everyone's opinions and info. I've surmised that pet insurance isn't worth it unless you have a dog breed that is prone to ...If you think that scandalous, mean-spirited or downright bizarre final wills are only things you see in crazy movies, then think again. It turns out that real people who want to ma...And they said the company expects rates to climb 5% to 6% per policy year going forward. However, in 2017, our fictitious cat cost an average of $52 per month to insure. In 2021, establishing ...About Embrace pet insurance. 5.0. NerdWallet rating. Embrace earned 5 stars out of 5 for overall performance. Based in Cleveland, Embrace offers popular and comprehensive pet insurance for cats ...Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. ... Yes, absolutely. Unlike PHI, I actually think pet insurance is worth it. Mind you, I also live in the bush and we get snakes and shit here. One snake bite on your dog and your looking at something like a $6k vet bill. I pay for the highest cover too, so ...Correct_Wolverine820. • 5 mo. ago. It depends. If your pet has a pre-existing condition that requires medical treatments, you might be paying monthly premiums and then get nothing in return. You’ll need to tread carefully, and make sure you get all questions answered in writing by the insurer. true.Edit: looked at Coles pet insurance and annual is $210, $280, $380 for the different levels, so on a 16 year lifespan, even the premium would be less than my one emergency vet bill. I’m still fine with not having it, because money was tight and risk was very low (apartment living) for the first 6 years of my pet’s life.Jan 20, 2566 BE ... Yes, pet insurance can help offset the cost of an ultrasound to diagnose a heart murmur, as well as other veterinary expenses such as treatment ... I have MetLife pet insurance and find it terrible. They milk us for monthly payments then find paperwork reasons to deny coverage. I am completely dissatisfied. Paid them about $1700 over the past 9 months and are offering $150 on something that cost over $3k. And that is the first money they’ve offered yet. After 5 vets visits and 5 previous ... Sep 11, 2565 BE ... Pet insurance can make a big difference in medical costs, so get it before you need it. Shop around for less expensive vaccinations and toy ...Is Pet Insurance Worth It? What Reddit Users Have to Say. The debate over whether pet insurance is worth the cost really depends on your financial situation and how risk averse you are. Here’s what some Redditors …Glad to hear you're researching pet insurance for your puppy! I work for a pet insurance company that insures a lot of AKC purebred dogs, including many Vizslas, so hopefully I can provide some helpful tips. As a few people have mentioned, choosing a policy that covers hereditary conditions such as hip dysplasia or blood clotting disorders such ... best pizza in rochesterwestern rise 14. radicalresting. • 3 yr. ago. I currently have FIGO. I got it when my cats were kittens so the price was pretty cheap. Currently I pay $33/month for one cat, and $28/month for the other. If I have to use the insurance, it’s basically a $500 deductible, which gets me $10,000 coverage per year, per animal.Pet insurance can save money on unexpected vet bills, but it depends on your pet's health, your plan's coverage, and the associated costs. It's a balance ...Get the Reddit app Scan this QR code to download the app now. Or check it out in the app stores ... I know one of the first things when there is a post about pet insurance is that "self insurance is better, pet insurance is usually not worth it." I totally get that, but have decided to move forwards anyways for the following reasons: ...14. radicalresting. • 3 yr. ago. I currently have FIGO. I got it when my cats were kittens so the price was pretty cheap. Currently I pay $33/month for one cat, and $28/month for the other. If I have to use the insurance, it’s basically a $500 deductible, which gets me $10,000 coverage per year, per animal.The thing you want to think about with insurance is not what it might need to cover, though that's important, but the huge emotional relief you'll feel if you don't have to make medical decisions for your dog based on how much money you have in the bank, or have a debate with your partner if the treatment is "worth it", even though you need it.Advertising on Reddit can be a great way to reach a large, engaged audience. With millions of active users and page views per month, Reddit is one of the more popular websites for ... rift the game 5.0. NerdWallet rating. Pets Best earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula considers …Conclusion: In my opinion, accident insurance can be worth it for certain individuals. If you have a high deductible health plan or lack disability coverage, accident insurance can provide a valuable safety net. However, it's crucial to carefully read the policy terms, assess your personal needs, and consider your overall insurance portfolio ...This applies to cars, houses or pets. My experience is pet policies often have very low caps for many claimable events. Many will never pay out $10k, they might cap it at $3k or $5k for certain things and you pay the gap. The point difference with pet insurance is that the maximum amount you get paid is pretty low.As a pet owner, you want to provide the best care possible for your furry friend. However, unforeseen accidents or illnesses can happen at any time, leading to unexpected and expen... tree limb removalplaces to eat dubuque iowa published 1 December 2021. It’s common to wonder “is pet insurance worth it?” In order to answer that question, we break down the pros and cons. (Image credit: Getty Images) If you …Key Takeaways. Pet insurance is similar to health insurance for humans, but it has many restrictions not found in human coverage. Veterinary care can be costly, running … how to start off a book - Consumer Reports. Is Pet Insurance Worth It? Consumer Reports’ first-ever ratings of pet insurers can help you decide whether buying coverage makes financial sense, …I got it for a new puppy & bought the wellness package. I got 10k max benefit annually (you can get higher if you call them) $100 deductible and no co-pay. It costs around $80 a month. So far I've filed 3 claims and they've all been paid within 8 days. $144 for vaccinations & exam received $44 payment. $168 more vaccinations, and fecal test ...Policy highlights. Spot Pet Insurance offers accident and illness and accident-only coverage for cats and dogs. It has a variety of choices of reimbursement rates, annual limits (including an ...In many cases, pet insurance can be worth the cost, as it can help to alleviate added stress that can come with dealing with your pet’s health expenses. Pet owners with young to middle-aged pets may find that pet insurance is especially great for them as it can help mitigate the costs of paying for treatment for any health issues that arise ... best survey sitesdarkest tattoos Most of the time, like 70% of the time, pet insurance is NOT worth it. When she was first enrolled her monthly premium was $60 a month, now at 3 years old it’s been raised to $83. I have a smaller young dog so as they get older and if uou have a bigger one or one prone to health issues it will become more expensive. Unlikely. If you can insure your 12 year old dog at all it’ll be exorbitantly expensive - best time to start a pet insurance policy is when the pet is very young, a lot of companies won’t insure at all if the dog is over like six years old. cottonidhoe. • 9 hr. ago. We pretty much checked the box to have him covered for injury/ illness/ preventative care and wellness/ and extended care (which included reimbursement for vet fees including physical therapy, hydrotherapy, etc.) We live in Arlington, Texas. Our plan: $100 deductible/ 10% coinsurance/ up to $50k in covered costs, for only $55 a month. Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. ... Yes, absolutely. Unlike PHI, I actually think pet insurance is worth it. Mind you, I also live in the bush and we get snakes and shit here. One snake bite on your dog and your looking at something like a $6k vet bill. I pay for the highest cover too, so ...The cons of insurance are that you have to pay up front, file claims, and get reimbursed. And you’ll have to meet your deductible. But especially with an adult cat, you’ll be glad to have it, and the deductible is easy to meet — kitty will need blood work, dental, etc, possibly Rx food if she has an issue. Reply reply.Annual insurance costs for a French Bulldog could therefore come in at between £350 and £400 pounds each year. Based on that level of cover, you could get as much as £15,000 pounds worth of vet fees paid for each year. What you will find when requesting pet insurance quotes is that the insurance company will want to know about any pre ...Is Pet Insurance Worth It? What Reddit Users Have to Say. The debate over whether pet insurance is worth the cost really depends on your financial situation and how risk averse you are. Here’s what some Redditors … Pet insurance is worth it for me. My dog is a mutt, and I paid $50/month for 10 years for her, which is $600/year, $6000 over 10 years. She had to get a root canal, and then subsequently broke that tooth off, and the total was $12k. Compare Plans. MONTHLY COST $77.73. Pros Reduces your deductible by $50 each year you don’t file a claim Provides 10% off for each additional pet you enroll Offers a 30-day money-back guarantee ...Don’t invest with them unless you plan to pay at least $150 a month for two pets. When I first started using Trupanion, they let you choose your own premium so that you could still pay into it without it breaking the bank. Now, if I miss my payment, the day after they will tack on another month.I just inquired about the pet insurance today and clarified on the medical reimbursement. There is a long list of illnesses/conditions that are excluded. This includes the following: - Pre-existing conditions. - Inherited/congenital conditions. - Related to breeding, pregnancy, whelping, nursing. - Bilateral conditions (conditions pre-existing ...When calculating whether pet insurance is worth it for your pet, it is important to understand what the overall costs of pet insurance will be over time, as your pet ages.Pet Insurance premiums are risk graded against many factors including the age and breed of the pet.. As an illustration, in 2022 the average cost of treatment for skin …ASPCA's waiting period for cruciate ligament issues is significantly shorter than Nationwide’s — just 14 days compared with 12 months. But unlike Nationwide, it doesn’t cover rabbits, guinea ...I just inquired about the pet insurance today and clarified on the medical reimbursement. There is a long list of illnesses/conditions that are excluded. This includes the following: - Pre-existing conditions. - Inherited/congenital conditions. - Related to breeding, pregnancy, whelping, nursing. - Bilateral conditions (conditions pre-existing ...You paid $750 for that poison scare. If you had this insurance you would have paid $860.96 for the year - $510.96 in premiums, $250 deductible, and $100 coinsurance (on the remaining $500 balance). Save yourself. Pet insurance is a tough thing to explain to people. labadee haiti cruisetiny red bugs in house In 4 yrs the insurance paid about $20k. The cat was family and I didn't want money to dictate my family. I get it is in favor of the insurance company but $50-$80 is worth it for someone who we treat as family. When you look at the cost of a pet versus a human monthly needs, the pet is way cheaper overall.Same goes for contents insurance, like the above, if you are out in the sticks where tree's falling and bushfires can happen, it might be worth it, whereas contents insurance for an inner city unit where the insurance company is just going to squirm their way out of the theft claim by stating a window was left unlocked is not going to be worth ... japan in two weeks itinerary Feb 1, 2024 · If your pet gets injured or sick, pet insurance helps cover medical expenses. What was once an obscure insurance product has been gaining steam. There are nearly 4 million cats and dogs insured in ... Deciding if pet insurance is worth the cost requires balancing a number of factors, including things like your income level, the type of pet you have, and even ...1. momomeow1105. • 1 yr. ago. Yes, pet insurance can help offset the cost of an ultrasound to diagnose a heart murmur, as well as other veterinary expenses such as treatment for illnesses or injuries, vaccinations, and routine check-ups. Keep in mind that different pet insurance policies have different coverage options and exclusions, so it's ...Aug 14, 2564 BE ... Don't know if it was mentioned here buy Woolworths pet insurance is good. People complain they don't pay and all of the other usual complaints ... This applies to cars, houses or pets. My experience is pet policies often have very low caps for many claimable events. Many will never pay out $10k, they might cap it at $3k or $5k for certain things and you pay the gap. The point difference with pet insurance is that the maximum amount you get paid is pretty low. Dealing with Nationwide has been a nightmare. I’ve spent a total of about $1,500 in bills for him this year, I’ve submitted all forms and met my deductibles. I’ve recovered maybe $300 in claims. I don't have any personal experience with it but my step-dad gets it through his job and my mom had him sign up their dog.Apr 26, 2565 BE ... Edit: Thanks for everyone's opinions and info. I've surmised that pet insurance isn't worth it unless you have a dog breed that is prone to ...Auto transfer, money is saved for my dog and only my dog and it’s stockpiled for an emergency while earning me some interest. $1200 for a vet checkup and shots is expensive. My dogs are $ 150 165 each for for checkup, shots, and year's worth of Bravecto. Oh yeah, I didn't mean to suggest that it would cost that much. Their top-rated pet insurance plan covers everything that matters including accidents, illnesses, chronic illnesses, injuries, hereditary conditions, cancer, emergency care, genetic conditions, alternative care and more. Reimbursements are 70%, 80%, or 90% of the actual medical bill. Annual deductibles are $100, $250, and $500. Don't go with Embrace pet insurance. [Breeds] 🐕 Info. I ended up paying them over $90 a month and then wellness was tapped out on a $25 medication, a blood test, and an initial office visit consult to provide them a statement he was healthy. I ended up cancelling with them after the neuter (which I expected about $400 for as that was what ...4.0. NerdWallet rating. Healthy Paws earned 4 stars out of 5 for overall performance. If you find it overwhelming to have too many choices, the simplicity of Healthy Paws pet insurance might ...Feb 1, 2024 · If your pet gets injured or sick, pet insurance helps cover medical expenses. What was once an obscure insurance product has been gaining steam. There are nearly 4 million cats and dogs insured in ... NerdWallet rating. Fetch earned 4.5 stars out of 5 for overall performance. Formerly known as Petplan, Fetch offers an accident and illness policy with a unique coverage: up to $1,000 in boarding ...Mar 11, 2561 BE ... “More than likely, you're going to pay more for insurance than you will ever get back,” said Victoria Shroff, a pet litigation lawyer and an ... Their top-rated pet insurance plan covers everything that matters including accidents, illnesses, chronic illnesses, injuries, hereditary conditions, cancer, emergency care, genetic conditions, alternative care and more. Reimbursements are 70%, 80%, or 90% of the actual medical bill. Annual deductibles are $100, $250, and $500. Insurance makes it so you don’t have to hesitate to see a vet. It can be totally worth it. Even at break even, it might make sense if you value the monthly predictable amount over the random $800 x ray. With multiple dogs, the math just didn’t really work for me. But I’m still pro insurance for many people. You will absolutely need it. It is extremely important that the policy you choose does not exclude breed-related diseases. Pet insurance doesn't work the same as human insurance. Vets don't accept it. You pay all the medical costs out of pocket up front and the insurance company reimburses you after. 99.NerdWallet rating. AKC earned 4.5 stars out of 5 for overall performance. Founded in 1884, the American Kennel Club has historically been the home for purebred dog owners. … This applies to cars, houses or pets. My experience is pet policies often have very low caps for many claimable events. Many will never pay out $10k, they might cap it at $3k or $5k for certain things and you pay the gap. The point difference with pet insurance is that the maximum amount you get paid is pretty low. Is pet insurance worth it or not for a seemingly healthy dog? We've had ours since September, she's 10 months now, and we've paid a couple of hundred dollars in vet bills for normal stuff, but paying $45/mo to the insurance company is a drag, and they only pay $3K at the most per "incident" which doesn't seem like amazing coverage.The owner has incurred over $40,000 in vet bills to date -- and the dog is still in extremely poor health All insurance is betting against the house, and long term the house always wins. There are some people who take payouts way way way in excess of what they put in, though. I am very risk averse and I had a family dog die young from cancer. In terms of it being worth it or not, I guess it varies person to person, I personally have it because whenever I think of anything happening to my little friend I get upset so better safe than sorry and its honestly not a lot per month. Haven't had to use it yet, thankfully but you never know. Confident_End_3848. • 27 min. ago. Avoid the Banfield plan it's a waste of money and to me the care is sub pare. If you're interested in pet insurance there are a lot of great options out there. The ones I see the most are TruPanion, Embrace, HealtyPaws and VPI (not a fan of VPI though). It is different than human insurance. You need to pay the vet upfront and the insurance will ... female only gym near meideas for stories on instagram May 10, 2565 BE ... Accidents don't wait until you have a nice $5000 savings account built up. Goldens are also prone to joint disorders and cancer - I will never ...And they said the company expects rates to climb 5% to 6% per policy year going forward. However, in 2017, our fictitious cat cost an average of $52 per month to insure. In 2021, establishing ... All insurance is "worth", is the peace of mind it would give you to have it — this includes all insurances, not just pet. There's no guarantee that your pet will or won't have health issues or medical emergencies, so it's a matter of risk tolerance. About Embrace pet insurance. 5.0. NerdWallet rating. Embrace earned 5 stars out of 5 for overall performance. Based in Cleveland, Embrace offers popular and comprehensive pet insurance for cats ...Pet insurance is worth it for me. My dog is a mutt, and I paid $50/month for 10 years for her, which is $600/year, $6000 over 10 years. She had to get a root canal, and then subsequently broke that tooth off, and the total was $12k. …Warning signs that a dog is dying include lack of coordination, severe tiredness, loss of appetite, incontinence and general confusion, according to Best Pet Insurance. sousou no frieren episode 1 The total bill with all visits, meds, and surgery over 6 months was about $8000. Out of pocket because I didn't get insurance then. Now happily paying $20/month/Cat for a $1000 deductible plan from Trupanion, but all future eye injuries are not covered since "prexisting condition". I can pay any incidents under $1000, but another $8000 bill ... This applies to cars, houses or pets. My experience is pet policies often have very low caps for many claimable events. Many will never pay out $10k, they might cap it at $3k or $5k for certain things and you pay the gap. The point difference with pet insurance is that the maximum amount you get paid is pretty low. Avoid the Banfield plan it's a waste of money and to me the care is sub pare. If you're interested in pet insurance there are a lot of great options out there. The ones I see the most are TruPanion, Embrace, HealtyPaws and VPI (not a fan of VPI though). It is different than human insurance. You need to pay the vet upfront and the insurance will ... reddit tik tokhow does ransomware work ---2