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Oskar Bear
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Oskar Bear This plan also says unlimited annual limit but the monthly price is so much lower than the other ones that we think it might be too good to be true? Mom wants to make sure to get a good reliable insurance for me because she loves me very much!!❤️🥰🐾

Comments (8)

  • Yukon's profile Yukon February 15, 2026 at 4:55 AM

    I agree. That’s a high deductible. Rates do change for sure. So check to see if you can get a locked in monthly rate, or at least understand the variables that might make it change.

  • Spotter's profile Spotter February 13, 2026 at 8:52 PM

    Oh, and 90% reimbursement rate. Just for information I’ve seen lemonade advertised, but I don’t know anything about it. You might want to check that place too.😊

  • Spotter's profile Spotter February 13, 2026 at 8:51 PM

    Oh my annual limit is 10,000. What you’re seeing online is just an estimate. The best thing to do is talk to them over the phone that way you’re sure you’re covering. Everything spot has a lot of previous conditions so I couldn’t get the illness one so Mom is absolutely 100% accidental only a lot of stuff covered, but it has to be due to an accident.

  • Spotter's profile Spotter February 13, 2026 at 8:50 PM

    We have that insurance it’s $57 every six months for accident only with the $250 deductible. I hope that helps.

  • Oskar Bear's profile Oskar Bear February 13, 2026 at 3:28 AM

    @j28shh6j8t885 thank you so much!! Sydney has lemonade for Huckleberry I think and said that his rate skyrocketed when he turned 8. Makes sense to be able to adjust it to make it more affordable!! I love you!❤️🥰🐾

  • Ike🌈 and Quincee's profile Ike🌈 and Quincee February 13, 2026 at 2:16 AM

    I have had Fetch for Ike since I brought him home. As soon as he turned 10, his monthly rate skyrocketed. I’ve been working on switching to another company but can’t decide which. I have only had one minor claim. I have discovered they will offer you lower prices if you tell them you’re switching. But when they get older and will need coverage the most, you can end up lowering your terms and limits to be able to afford it.

  • Oskar Bear's profile Oskar Bear February 13, 2026 at 2:07 AM

    @stella yes our vet said it might not be the best idea since my allergies are a preexisting condition but Mom wants to get something for me so that I’m covered if god forbid there’s ever an emergency. I love you!!❤️🥰🐾

  • Sparky and Stella's profile Sparky and Stella February 12, 2026 at 11:56 PM

    The deductible is pretty high. Hopefully some friends who have pet insurance have some recommendations.