10+ Best Pet Insurance Plans for Dogs in Florida
The Sunshine State isn’t just home to white sand beaches and lush mangroves—it’s also one of the most complex pet insurance markets in the U.S. due to Florida’s extreme climate, high vet costs, and regional health risks for dogs. If you’re a Florida dog owner, you’re not just shopping for policies—you’re protecting against venomous toads, heatstroke, hurricane trauma, and sky-high vet bills.
✅ Quick Takeaways: What Every Florida Dog Owner Needs to Know
| 🐕🦺 Question | ✅ Short Answer |
|---|---|
| Should I get insurance in Florida? | Yes—heat, bites, and coastal risks make it essential. |
| Which plan is best overall? | Pets Best – balance of price, depth, and flexibility. |
| Best if I want a smooth claims process? | Healthy Paws – no caps, direct pay at checkout. |
| I have a senior dog—who’ll still cover me? | Spot, ASPCA, and MetLife – no age caps. |
| Most inclusive plan without extra riders? | Pumpkin – covers what others make optional. |
| I’m on a budget—can I still get decent coverage? | Lemonade and Pets Best – low entry, customizable tiers. |
| Any plans that might cover pre-existing conditions? | AKC and Figo – long-term path to regain eligibility. |
🔥 “Which Plans Actually Work in Florida’s Heat, Bugs & Bites Environment?”
Spoiler: Most don’t advertise their climate-fit, but it matters. Here’s how the best stack up against Florida-specific threats:
| 🦴 Provider | 🐍 Snake & Cane Toad | ☀️ Heatstroke | 🦟 Pest-Borne Illness | 🌊 Saltwater Poisoning | 🦠 Skin Allergies |
|---|---|---|---|---|---|
| Pets Best | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Pumpkin | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Healthy Paws | ✅ Yes | ⚠️ Sometimes | ✅ Yes | ✅ Yes | ✅ Yes |
| Lemonade | ✅ Yes (with add-on) | ⚠️ Limited | ✅ Yes (base plan) | ⚠️ Not always | ✅ Yes |
| Figo | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| ASPCA | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
Expert Note: Heatstroke claims can be denied by some providers under “preventable conditions.” Always document environmental conditions and vet notes clearly to strengthen claim approval chances.
🧮 “What’s the True Cost of a Plan That Covers What I Actually Need?”
Many policies appear affordable… until you add dental, behavioral, or exam fees. Here’s the real monthly price for a comprehensive (not barebones) plan for a 3-year-old Lab in Miami:
| 🧾 Provider | 💰 True Cost w/ Add-ons | 🛡️ What’s Included |
|---|---|---|
| Pets Best | ~$41/mo | Dental, meds, exam fees |
| Pumpkin | ~$50/mo | Everything + food |
| Figo (100%) | ~$58/mo | 100% reimb., exam, chiro |
| Lemonade | ~$46/mo (with riders) | Needs 3+ riders |
| ASPCA | ~$52/mo | Behavioral, microchip |
| MetLife | ~$45–$65/mo | Flexible to your specs |
| Spot | ~$49/mo | Fully customizable |
Critical Tip: 100% reimbursement sounds great—but only works if you’re also choosing a realistic deductible. In Florida, a $500 deductible strikes the best balance between premium and claim payout.
📲 “Who’s Fastest at Paying Me Back (or My Vet)?”
Your dog needs surgery. The vet bill is $6,000. Can your insurance provider pay them directly, or will you be waiting 3 weeks for a reimbursement check?
| ⚡ Provider | ⏱️ Claim Speed | 💳 Vet Direct Pay? |
|---|---|---|
| Trupanion | Same-day ✅ | ✅ Yes (real-time system) |
| Healthy Paws | 1–3 days ✅ | ✅ (at some clinics) |
| Figo | 2–5 days ⚡ | ❌ No |
| Lemonade | Minutes (small claims) ⚡ | ❌ No |
| Pets Best | 5–10 days | ❌ No |
| MetLife | 7–14 days | ❌ No |
| Pumpkin | Up to 30 days 🐢 | ❌ No |
Insider Insight: For big emergencies, Trupanion is the only provider that can pay your vet on the spot at checkout—no waiting, no credit card panic.
💡 “What If My Dog’s Already Had Issues? Do I Still Have Options?”
Yes, but you’ll need time and strategy. Here’s how some companies work with previously diagnosed conditions:
| 🧬 Provider | 🔁 Covers Curable Conditions | 🧭 Covers Incurable After Time | 📝 Requirements |
|---|---|---|---|
| Figo | ✅ After 12 months no symptoms | ❌ | Medical review |
| AKC | ✅ All pre-existing (curable + incurable) | ✅ After 365 days | Continuous coverage |
| Embrace | ✅ Only curable | ❌ | 12 mo. symptom-free |
| Pumpkin | ❌ | ❌ | Excludes all pre-existing |
Real Advice: If your dog has had UTIs, ear infections, or allergies, Figo or AKC gives you a path to future coverage others won’t.
🧠 “What’s the Best Plan for a Hurricane Emergency or Evacuation?”
Florida hurricanes bring trauma, lacerations, infection, foreign body ingestion, and even snake displacement. Here’s who offers fast-acting protection in disasters:
| 🌪️ Provider | ⛑️ Covers Disaster-Related Trauma | 🕓 Fastest Activation | 📞 Emergency Support Line |
|---|---|---|---|
| MetLife | ✅ Yes | 0-day for accidents | ✅ Yes |
| Trupanion | ✅ Yes | 5-day wait | ❌ No |
| Figo | ✅ Yes | 1-day for trauma | ✅ Yes |
| Pets Best | ✅ Yes | 3-day wait | ✅ 24/7 helpline |
| ASPCA | ✅ Yes | 14-day for all | ✅ Yes |
Expert Advice: MetLife is a top choice during hurricane season—immediate accident coverage means you’re protected even the same day you enroll.
🛡️ Final Comparison Table: Best Providers for Florida Dog Owners
| ⭐ Provider | 🎯 Best For | 💬 Why It Wins |
|---|---|---|
| Pets Best | Best Overall Value | Affordable, customizable, widely trusted across FL |
| Healthy Paws | Hassle-Free Claims | Simple plan, fast reimbursements, no caps |
| Pumpkin | Most Inclusive Coverage | Covers dental, behavioral, hereditary, food—all standard |
| Figo | Premium Customization | 100% reimbursement option + orthopedic waiver + sleek tech |
| Trupanion | Lifetime Illness Deductibles | Only plan with per-condition deductible and real-time vet pay |
| MetLife | Best for Emergency Activation | Instant accident coverage + family plan options |
| Lemonade | Best Entry Price | Tech-forward, simple, fast for small claims, but needs add-ons |
| AKC | Best for Pre-Existing Conditions | Only provider that may cover chronic pre-existing after 1 year |
| ASPCA | Best for Senior Dogs | No age limits + behavioral and holistic care in standard plan |
| Spot | Best for Plan Flexibility | Build-your-own coverage + wellness options |
🔐 Final Thoughts: Don’t Gamble with Florida Risks
Florida dogs face unique medical threats, and their care costs reflect that reality. The key isn’t just to find a cheap policy — it’s to secure the right protections before you need them.
Your Next Step:
- Start with Pets Best or Pumpkin if you want strength across categories.
- Opt for Trupanion or MetLife if you’re worried about immediate high-stakes emergencies.
- Go with AKC or Figo if your pup already has a medical history.
📩 Still unsure? Drop your pet’s age, breed, and city — we’ll match you with the best-fit policy instantly.
FAQs
Comment: Is pet insurance worth it if I have a healthy young dog in Florida?
Absolutely, and more so in Florida than many other states. Even for young, fit dogs, Florida presents elevated environmental risks—such as venomous wildlife, year-round pests, tropical heatwaves, and hurricane evacuations—that can create unexpected emergencies. Insurance serves less as a monthly savings tool and more as a hedge against high-cost, low-frequency events like heatstroke, snake envenomation, or swallowed beach debris.
| 🐶 Risk Factor | 🔍 Why It Matters for Young Dogs | 💡 Covered by Most Plans? |
|---|---|---|
| Heatstroke ☀️ | Sudden collapse in hot/humid weather | ✅ Yes (with hospitalization) |
| Foreign Body Ingestion 🍗 | Puppies chew indiscriminately | ✅ Yes |
| Parasites 🦟 | High prevalence in Florida all year | ✅ Yes (excluding preventives) |
| Trauma from Play 🚑 | Dog park fights or sprains during fetch | ✅ Yes |
Tip: A low deductible + 90% reimbursement structure provides ideal protection for younger pets while keeping premiums modest. Early enrollment also prevents future exclusions due to later-diagnosed conditions.
Comment: How can I make sure I’m not overpaying for unnecessary add-ons?
Begin with a detailed breakdown of your dog’s actual risks, then match features accordingly. Many pet owners unknowingly pay for duplicate or irrelevant coverage. Behavioral training, prescription food, and dental cleanings are frequently bundled into higher-tier plans, yet might not be needed for every dog.
| 📦 Common Add-On | 💸 Typical Monthly Cost | 🧠 Only Buy If… |
|---|---|---|
| Dental Illness 🦷 | $6–$10 | Your dog is a small/toy breed prone to gingivitis |
| Behavioral Coverage 🧠 | $8–$12 | Anxiety, aggression, or compulsive behaviors exist |
| Prescription Diet Coverage 🍲 | $5–$9 | Vet recommends RX food for chronic illness |
| Exam Fees 💉 | $4–$7 | You visit the vet more than twice per year |
Guidance: Audit your policy annually. If you didn’t use a feature in the past 12 months, it may be safe to drop or downgrade.
Comment: What’s the smartest way to handle a pre-existing condition like skin allergies or UTIs?
Choose a provider with a progressive or time-limited pre-existing condition clause. Some insurers (Figo, AKC, Embrace) allow “curable” issues to be covered again if the dog remains symptom- and treatment-free for a defined window. Chronic allergies, however, may remain permanently excluded depending on severity and documentation.
| 🧾 Condition Type | ⏳ Potential for Re-Coverage | 🏥 Provider to Consider |
|---|---|---|
| Recurrent UTIs 🚽 | After 12 months symptom-free | Figo, Embrace |
| Acute GI issues 🍗 | After 6–12 months recovery | MetLife, AKC |
| Seasonal Allergies 🌸 | Rarely (often considered chronic) | Pumpkin (broad base coverage) |
| Prior ACL Tear 🦴 | Never (always excluded) | Trupanion (per-condition model) |
Important: Obtain a written statement from your vet noting resolution status and absence of ongoing treatment. This strengthens eligibility for future claim approvals.
Comment: Can I pause or adjust coverage when my finances are tight?
Some insurers allow mid-policy downgrades or temporary suspension, but flexibility varies. MetLife, Embrace, and Spot offer tiered options that can reduce premiums while maintaining minimal coverage. Switching to an accident-only plan during lean months is another option, though it leaves out illness protection.
| 🧩 Flexible Provider | 🪙 Lower-Cost Adjustment Available | ⏱️ How Often You Can Change |
|---|---|---|
| MetLife | Yes – deductible and limits | Monthly changes allowed |
| Embrace | Yes – downgrade to lower tier | After policy renewal |
| Spot | Yes – switch to accident-only | With 30-day notice |
| Healthy Paws | No flexibility | Locked post-enrollment |
Suggestion: If you must drop coverage, consider saving the monthly premium amount in a dedicated pet emergency fund to cushion future costs.
Comment: What should I look out for in claims to avoid denials?
The key is alignment between your vet’s notes and policy terminology. Most denials occur due to vague symptoms, pre-existing flags, or missing documentation.
| 🛠️ Claim Element | ⚠️ Common Pitfall | ✅ Fix It Like This |
|---|---|---|
| Vet Notes 📝 | “Chronic” or “monitoring” flags | Request revised note if diagnosis ruled out |
| Condition Date 📅 | Overlaps with waiting period | Delay filing until beyond risk window |
| Missing Invoice Detail 💬 | No breakdown of procedures or meds | Upload itemized invoice + visit summary |
| Diagnosis Code 🧬 | Not listed explicitly | Ask vet to include ICD-compatible code |
Power Tip: Some providers offer pre-authorization (Trupanion, Embrace) for large procedures. Use it to lock in approval before treatment.
Comment: Is wellness coverage really a smart add-on in Florida?
Only if you reliably use all included services annually. For Florida dogs, year-round flea/tick and heartworm prevention make wellness plans slightly more valuable. But many owners never redeem all the included perks, making it a break-even or even negative investment.
| 🐾 Wellness Plan Tier | 🧾 Annual Cost | 🎯 Break-Even Point |
|---|---|---|
| Basic (vaccines, preventives) | ~$200/year | 1 exam + 12 months flea/tick meds |
| Mid-Level (dental, labs) | ~$350/year | Add 1 dental or bloodwork annually |
| Premium (spay/neuter, therapy) | ~$600/year | Multiple high-cost items needed |
Evaluate: If you don’t routinely pay $400+ on wellness in a year, self-funding may be smarter. Otherwise, choose plans that reimburse percentage-based, like MetLife, instead of fixed payout schedules.
Comment: How do I know if unlimited coverage is really necessary or just marketing hype?
Unlimited plans are essential for breeds prone to high-cost genetic conditions or owners worried about extreme trauma care. Otherwise, a well-structured $10K–$15K annual limit is more than sufficient for most Florida dogs.
| 📊 Scenario | 💵 Estimated Treatment Cost | 🧰 Coverage Recommendation |
|---|---|---|
| Torn ACL (surgery + rehab) 🦴 | $5,000–$6,800 | $10K+ annual cap |
| Emergency foreign object removal 🩻 | $4,500–$7,000 | Unlimited or high-tier cap |
| Cancer Treatment (ongoing) 🎗️ | $10,000–$18,000+ | Unlimited strongly advised |
| Routine accidents + illness 🐶 | $500–$3,000 | $5K–$10K sufficient |
Evaluate your dog’s breed-specific risks, then estimate high-cost treatments. If your breed ranks in top 10 for orthopedic or oncological issues, lean toward unlimited.
Comment: I’ve heard some policies don’t cover hereditary conditions. How do I know if my dog’s breed-specific risks are included?
Hereditary coverage varies drastically by provider—many exclude breed-predictable conditions unless you enroll early and maintain continuous coverage. For breeds like Golden Retrievers, Bulldogs, Dachshunds, and German Shepherds—where issues like hip dysplasia, IVDD, and cardiac disorders are common—it’s critical to verify this at the policy level before committing.
| 🧬 Breed | ⚠️ Common Genetic Risks | ✅ Covered By |
|---|---|---|
| Labrador Retriever 🦴 | Hip/elbow dysplasia, obesity | Pumpkin, Healthy Paws, Trupanion |
| French Bulldog 🫁 | BOAS, skin fold dermatitis | Figo, ASPCA, Embrace |
| German Shepherd 🦵 | Degenerative myelopathy, arthritis | Pets Best, Trupanion |
| Mini Dachshund 🪡 | Intervertebral disc disease | Pumpkin, MetLife |
Tip: Ask for the plan’s “hereditary and congenital conditions” section in the sample policy. Coverage is usually time-sensitive—if symptoms are noted before or during the waiting period, they’re automatically excluded.
Comment: How do age and breed affect what I’ll pay? And which providers penalize less?
Age and breed are the biggest cost drivers in pet insurance—and some carriers adjust more aggressively than others. Large breeds with predispositions to chronic issues (e.g., Great Danes, Boxers, Bernese Mountain Dogs) see sharper price increases annually. Meanwhile, flat-faced breeds often face higher base rates due to elevated surgical risk.
| 🐾 Factor | 💸 Impact on Premiums | 🔄 Least Reactive Providers |
|---|---|---|
| Age Increase 🧓 | Adds 8–15% per year | Embrace, Pumpkin, ASPCA |
| Breed (Large) 🐕 | 20–30% higher base premium | Healthy Paws, Pets Best |
| Flat-Faced (Brachycephalic) 😤 | 25–40% spike (esp. after age 5) | MetLife, Spot |
| Weight (>50 lbs) ⚖️ | Higher surgical care cost risk | Trupanion (per-condition model) |
Strategy: Enroll while young, lock in terms where possible, and reevaluate every 2–3 years to compare against newer plan offerings.
Comment: How do I make sure exam fees are covered? I hate surprise charges.
Exam fees are one of the most frequently overlooked exclusions—and yet one of the most common costs on every vet bill. Without coverage, owners pay $60–$120 per visit out-of-pocket, even if the rest of the treatment is reimbursed. Some providers bake it into their base plan; others make it an optional rider.
| 🧾 Provider | ✅ Covers Vet Exam Fees? | 💰 Add-On or Included? |
|---|---|---|
| Pets Best | ✅ Yes | Included in Accident/Illness |
| Figo | ✅ Yes | Add-on ($4–$6/mo) |
| Pumpkin | ✅ Yes | Always Included |
| Lemonade | ❌ No (add-on required) | Add-on (~$4/mo) |
| Healthy Paws | ❌ No | Not available |
| Trupanion | ❌ No (requires rider) | Add-on (~$5/mo) |
Pro tip: Exam coverage is especially important for breeds requiring frequent follow-ups, such as those with chronic skin, ear, or GI conditions.
Comment: Does pet insurance help with emergency boarding or care if I’m hospitalized during a storm or hurricane?
Some forward-thinking providers do extend coverage to boarding costs during personal medical emergencies or disaster evacuations. This is especially relevant in Florida, where hurricane displacement or sudden health issues can leave pets without care. Only a few providers include this under “additional living expenses” or “emergency boarding.”
| 🌪️ Provider | 🏠 Covers Emergency Boarding? | 🧭 Trigger Events Covered |
|---|---|---|
| MetLife | ✅ Yes | Illness, evacuation, hospitalization |
| Figo | ✅ Yes (up to $250 per incident) | Owner injury, ER admission |
| Nationwide | ✅ Yes | Disaster-related displacements |
| Pets Best | ❌ No | Not covered |
| Lemonade | ❌ No | Not included |
Note: This feature can offer huge peace of mind if you live alone or have limited support systems during extreme weather.
Comment: Is there a provider that lets me cover multiple pets on the same policy to save money?
Yes, several insurers now offer multi-pet policies that consolidate deductibles or offer meaningful discounts. These plans are especially efficient for owners with dogs of similar age and health risk. MetLife’s family plan even allows pets to share a single deductible, which is rare in the industry.
| 🐶 Provider | 🧮 Discount % | 🤝 Shared Deductible Available? |
|---|---|---|
| MetLife | Up to 10% | ✅ Yes (Family Plan option) |
| Embrace | 10% | ❌ No |
| ASPCA | 10% | ❌ No |
| Spot | 10% | ❌ No |
| Pets Best | 5% | ❌ No |
| Figo | 5% | ❌ No |
Best Fit: MetLife for shared deductible families; Embrace for highest total savings across separate pets.
Comment: My last claim was denied due to “lack of documentation.” How can I avoid that next time?
Denials usually trace back to vague vet records, incomplete itemized invoices, or missing medical history. To avoid these issues, build a digital archive of all vet visits, request detailed SOAP (Subjective, Objective, Assessment, Plan) notes, and clarify diagnoses.
| 📂 Documentation Needed | 🧾 Best Practices |
|---|---|
| Detailed Invoice 📄 | Must include breakdown of meds, diagnostics, services |
| Vet Notes 🩺 | Ensure diagnosis is explicit (not just “monitoring”) |
| Prior Medical Records 🗂️ | Upload full 12–24 months of history if requested |
| Diagnosis Date 🗓️ | Confirm it’s after waiting period + policy start |
Quick Fix: Call your vet and request “claim-optimized notes” that clearly label diagnostics, treatment intent, and prognosis. It’s standard—don’t feel awkward.
Comment: I live in Miami and have a Frenchie with chronic breathing issues. Will insurance still help if it’s a known breed risk?
Yes, but timing and provider choice are everything. Brachycephalic Obstructive Airway Syndrome (BOAS), which affects French Bulldogs, is considered a breed-predictable condition. If symptoms or diagnoses appear before the policy is active or during the waiting period, it will likely be labeled a pre-existing condition—and permanently excluded.
| 🐾 Coverage Tip | 🔍 Why It Matters for Frenchies | 🛡️ Best Providers |
|---|---|---|
| Enroll Before First Symptom 🕒 | Prevents “pre-existing” exclusion tagging | Pumpkin, Embrace, Healthy Paws |
| Choose Plans That Cover BOAS 🫁 | Some explicitly deny it without a rider | MetLife, ASPCA, Spot |
| Review Orthopedic Wait Clauses ⏳ | BOAS often lumped with structural issues | Figo (waivable wait period) |
Pro Insight: If your pup has already been diagnosed, consider AKC Pet Insurance—it offers rare re-evaluation of even incurable pre-existing conditions after 365 days of continuous coverage.
Comment: Is there an insurer that pays the vet directly so I don’t have to front thousands in emergencies?
Yes, but it’s rare. Only one provider, Trupanion, consistently offers “Vet Direct Pay.” This can be a game-changer during emergencies when bills climb into the thousands. While most insurers require you to pay upfront and then wait for reimbursement (which can take weeks), Trupanion’s system allows instant co-payment at clinics that use their platform.
| 💳 Payment Model | 🕔 Turnaround Time | 🐕 Provider | 💡 Ideal Use Case |
|---|---|---|---|
| Direct-to-Vet Pay 🏥 | Real-time (at vet clinic) | Trupanion | Major surgeries, ER visits |
| Standard Reimburse 📩 | 2–30 days depending on plan | Most others | Non-emergency visits, routine care |
| Fast Reimburse ⚡ | ~24 hours | Healthy Paws, Lemonade | Digitally filed claims with full records |
Insider Tip: Always confirm with your vet in advance whether they participate in Trupanion’s direct payment system. Some clinics may still request full payment due to billing software limitations.
Comment: How can I protect my large breed puppy from future hip or joint issues in my plan?
Start coverage early and choose a policy with strong orthopedic protection—and no long delay for joint conditions. Larger breeds like Labs, Goldens, and Great Danes are genetically predisposed to hip dysplasia, cruciate ligament tears, and arthritis. Delayed enrollment or generic accident-only plans may leave these costly conditions uncovered.
| 🦴 Orthopedic Feature | ✅ What to Look For | 🐶 Top Picks for Large Breeds |
|---|---|---|
| Short Wait for Hip Dysplasia ⏱️ | Less than 6 months or waivable with exam | Figo, Pumpkin |
| Lifetime Condition Coverage 🔁 | Deductible paid once per issue, not yearly | Trupanion |
| Joint Supplements + Rehab Included 🏃 | Add-ons or included riders | ASPCA, Embrace |
Real Cost Example: ACL surgery in Florida can cost $6,000–$8,000. Without joint coverage, that’s entirely out-of-pocket. Ensure TPLO surgery and physical therapy are included in your plan.
Comment: Can I switch providers later if I find a better rate or more coverage?
You can switch—but your dog’s medical history doesn’t reset. Every new policy reevaluates based on your pet’s past medical records, meaning conditions diagnosed under your previous policy could now be considered pre-existing and excluded by the new insurer.
| 🔄 Switch Factor | ⚠️ Impact When Changing Providers | 🧩 Mitigation Strategy |
|---|---|---|
| Coverage Gaps | Any lapse may reset waiting periods | Never cancel before new plan is active |
| Previously Diagnosed Issues | Likely excluded in new policy | Consider AKC or Figo for flexibility |
| Aging Impact | Older pets face higher base premiums | Lock in plans before age 6–7 |
Best Practice: If switching, download and save all past policy documents, claims, and vet records. Some providers offer transfer credits or consider symptom-free periods.
Comment: I’m overwhelmed by plan choices. How do I match the right insurer to my specific needs?
Use a needs-based filtering approach. Instead of comparing dozens of plans side-by-side, define your risk type, breed needs, and coverage goals first. Then eliminate carriers that don’t specialize in those areas.
| 🎯 Need-Based Category | 🐶 Ideal Policy Match | 💡 Provider Suggestions |
|---|---|---|
| Low Budget, Young Dog 💸 | Accident-only or basic tier with high deductible | Pets Best, ASPCA, Lemonade |
| High-Risk Breed + Full Coverage 🧬 | Unlimited coverage + hereditary benefits | Pumpkin, Healthy Paws, Trupanion |
| Fast Claims + Mobile Experience 📱 | App-based filing + 24/7 live chat | Figo, Lemonade, MetLife |
| Older Dog with Conditions 🧓 | Plans that reevaluate pre-existing issues | AKC, Embrace |
Rule of Thumb: Don’t chase the lowest premium—chase the lowest long-term cost after claims. A cheaper plan that denies large claims is more expensive in the end.
