Comparing pet insurance for our needs
Hi all - advice much appreciated! Want to compare and figure out which one to get. I guess I am looking at AKC, MetLife, and Pumpkin (recommended by vet).
We got a, new to us, Pomeranian, 1.5 yrs old. So I have been learning what sort of health issues would be typical for them. We took them to their vet to update their shots, and while they had nothing noted on their chart before, this vet noted the following in their visit, which I am not sure what would be considered pre-existing and then would not ever be covered.
- mild dental tartar (but no other denta issues)
- symptoms of luxating patella (but no limping, issues walking, etc)
- reverse sneezing (but no additional symptoms or issues)
- diarrhea incident in July 2025 as a pup (treated)
Now, I am considering the following plans:
10k limit, 1k deductible, 80% reimbursement Pumpkin ($34)
10k limit, 500 deductible, 80% reimbursement Metlife ($51)
unlimited, 1k deductible, 80% reimbursement AKC ($36 with exam + hereditary)
We are in NC.
Any advice? I guess, as I am learning about poms & their needs, I am concerned for the costs associated in the future with legs & dental in this case? We also go camping/hiking/outdoors often, so not sure about the AKC one-per-life foreign object ingestion/parasite/poison (although we try out best to prevent ofc, but idk?).