Learn from my mistakes and navigate travel like a pro with these tips.
Inside a Modern Hideaway in Hidden Hills
On just over two acres on a coveted cul-de-sac in Hidden Hills, on the outskirts of Los Angeles, this meticulously constructed new 16,112-square-foot residence recalls both a rustically refined California spa and a bucolic pastoral oasis.
Precious little of the greater Los Angeles area could still be referred to as “bucolic,” but the community of Hidden Hills is a welcome exception. Nestled in the western foothills of the San Fernando Valley, it features corrals; barns for horses and other animal friends; equestrian trails; and white three-rail fences that contribute to its peaceful, pastoral atmosphere.
Continue reading Inside a Modern Hideaway in Hidden Hills at Sotheby´s International Realty | Blog.
Silent Yachts Launches SY62 3-Deck Closed
Silent Yachts, a world leader in solar-electric powercats, has launched the first unit of its SY62 3-Deck Closed in Fano on Italy’s east coast. The model is distinguished by an enclosed flybridge, which “makes the new variant perfect for hotter climates such as Asia”, according to the Italian shipyard, whose dealers in the region include MAG Subsea in Singapore.
On the first SY62 3-Deck Closed, the forward part of the upper deck is dedicated to an owner’s studio apartment, with sliding glass doors opening to a covered aft deck. The SY62 is also available in the original 2-Deck version, featuring a small flybridge covered by a retractable roof, plus the popular 3-Deck Open edition, which has a large flybridge covered by a hard top.
The seventh SY62 3-Deck Open was launched earlier this year, ahead of the first SY62 3-Deck Closed. The shipyard plans to splash another seven SY62 models and the first SY80 later this year, for a total of 10 launches in 2025.
The bold prediction follows the launch of six SY62 3-Deck Open yachts last year and the model’s world premiere at the Cannes Yachting Festival, as the company revived productivity since being acquired by new owners in March 2024.
Fabrizio Iarrera, CEO of Silent Yachts, said: “The incredible work we have put in to build the brand back into serious business health has paid off, and the arrival of the new Closed version of the SY62 3-Deck is a really proud moment for us.
“It has been less than a year since we stepped in, but this new addition highlights the quality and innovation of our models, which stand as the world’s most advanced solar-powered serious cruising catamarans.”
enquiry@magsubsea.com
magsubsea.com
This article was first seen on YachtStyle.com
For more on the latest in luxury yachting reads, click here.
The post Silent Yachts Launches SY62 3-Deck Closed appeared first on LUXUO.
Standing Up for Yourself Doesn’t Make You Any Less Kind
“Being a good person doesn’t mean being a doormat… You can be kind, giving, and full of love, but that doesn’t mean you have to accept disrespect or allow your boundaries to be crossed.” ~Unknown
I can still vividly remember sitting in my seventh-grade classroom, forcing a laugh as my classmates made jokes at my expense. My cheeks would burn red, but I’d smile along, desperately wanting to belong. For years, I mistook my silence for kindness, my nervous laughter for good nature. I didn’t realize that by laughing at myself, I was slowly chipping away at my own self-worth.
Growing up, I was the “nice kid”—the one who never caused trouble, never talked back, and always tried to keep the peace. When someone would make a cutting remark about my appearance or mock the way I spoke, I’d respond with a practiced smile and a halfhearted chuckle. I thought this made me mature, diplomatic even. “Just brush it off,” my mother would say. “They’re only joking.” But deep inside, each laugh felt like a small betrayal of myself.
The pattern continued well into my teenage years. In every social circle, I became the designated “good sport”—the one who could take any joke, no matter how sharp its edges. I wore this label like a badge of honor, never realizing it was actually a shield I was hiding behind. My inability to stand up for myself wasn’t kindness; it was fear dressed up as politeness.
The turning point came during my first year of college. During a group project, a teammate made a particularly cruel joke about my work ethic. As usual, I started to laugh, but something inside me snapped.
Years of suppressed feelings bubbled to the surface, and for the first time, I heard how hollow my laughter sounded. In that moment, I realized I wasn’t being nice—I was being complicit in my own diminishment.
This revelation led me down a path of self-discovery and personal growth. Through therapy, self-help books, and countless conversations with trusted friends, I began to understand the difference between being kind and being a doormat. I learned that standing up for yourself doesn’t make you mean or confrontational—it makes you self-respecting.
Here are the vital lessons I learned along my journey:
The first step was the hardest: acknowledging that my laughter was a defense mechanism, not a sign of resilience. I had to accept that it’s okay to not find hurtful comments funny. Real strength isn’t in laughing off insults; it’s in acknowledging when something hurts and addressing it directly.
I started practicing simple phrases in front of the mirror: “I don’t find that funny,” “That comment was inappropriate,” or simply, “Please don’t speak to me that way.” At first, these words felt foreign on my tongue, but gradually, they became part of my vocabulary. I learned that confrontation doesn’t have to be aggressive—it can be calm, dignified, and firm.
The most surprising discovery was how many people respected me more when I started setting boundaries. Those who truly cared about me adjusted their behavior. Those who didn’t, well, they showed their true colors, and I learned that not every relationship needs to be preserved at the cost of your self-respect.
Today, I still consider myself a kind person, but my kindness no longer comes at the expense of my dignity. I’ve learned that true niceness isn’t about accepting poor treatment; it’s about treating others—and yourself—with respect.
When someone makes a hurtful comment now, I no longer reach for laughter as a shield. Instead, I stand tall in my truth and speak up with compassion and clarity.
To those who recognize themselves in my story—those who laugh when they want to cry, who smile when they want to scream—I want you to know that your feelings matter. Your discomfort is valid. Your voice deserves to be heard. Being nice doesn’t mean being silent, and standing up for yourself doesn’t make you any less kind.
The journey from forced laughter to authentic self-expression isn’t easy. It’s filled with uncomfortable moments and challenging conversations. But with each small act of standing up for yourself, you rebuild your self-worth piece by piece. You learn that the strongest form of kindness is the kind you show yourself.
Remember: You can be both nice and strong, both kind and assertive. The real magic happens when you find that balance—when you can face the world with a genuine smile, knowing you’ll never again laugh at the expense of your own dignity.
About Kalyani Abhyankar
Kalyani Abhyankar is a professor of law and mindset coach, specializing in administrative law and consumer protection. She is passionate about helping others cultivate a limitless mindset and personal growth through her work on LinkedIn and beyond.
Get in the conversation! Click here to leave a comment on the site.
A. Lange & Söhne’s Minute Repeater Perpetual Sets the Tone for Watches and Wonders Geneva
When A. Lange & Söhne previewed the 2025 Minute Repeater Perpetual ahead of WWG this year, it immediately went to the top of the list for the first post from the fair. This works out perfectly, in the alphabetical scheme of things and also because we love chiming or striking watches. As far as names go, this one describes the watch in a nutshell but does not tell one where it sits in the A. Lange & Söhne assortment. It may put you in mind of Richard Lange, especially given that there has been a Minute Repeater here since 2022. That watch is powered by the manual winding calibre L122.1 while the new Minute Repeater Perpetual runs on the manual winding calibre L122.2.
In the spirit of beginning with common ground, we will first see how the chiming part of the Minute Repeater Perpetual matches up with the Richard Lange Minute Repeater. In both, the minute repeater sounds the hours, quarter-hours, and minutes on two meticulously tuned gongs, delivering 720 unique chime sequences throughout the day. This number means that every minute in the 12-hour half of the 24-hour day has a specific sound. Yes, if you have the ear for it, you can see if you can identify each one. The new calibre L122.2 is also enhanced with the pause elimination mechanism, which allows the strike sequence to seamlessly skip silent intervals. Effectively, this means there are no awkward gaps.
A flying governor, visible via the caseback at 7 o’clock (roughly), keeps the action quiet, without the low buzzing that plagues many repeaters. The other very large piece here is the so-called ‘infernal tower’ where the gears of the chiming mechanism are stacked. A patented hammer blocker prevents unintended secondary strikes, while a safety mechanism prohibits activation when the crown is pulled, preserving the integrity of the movement. Sound quality will offer the best comparison here since both the Richard Lange and the new Minute Repeater Perpetual are cased in platinum. There is a lot of debate around material choice in this regard but A. Lange & Söhne asserts that it prefers platinum for the best quality, which is of course quite different to decibel count, clarity and other sorts of criteria.
Despite our many questions here, we must move on to the front of the watch, where the perpetual calendar mechanism sits below the gold black enamel dial. Here too, there are parallels with the Richard Lange. Where that watch featured a gold white enamel dial made in three parts, the Minute Repeater Perpetual ups the ante with a four-part configuration. This is no doubt a feature of the information density of the new watch, with three subdials indicating the day of the week (9 o’clock); moon phase and small seconds (6 o’clock); and month (3 o’clock). The moon-phase display, accurate to 122.6 years, showcases a celestial scene with gold moons surrounded by 100 hand-engraved stars. Unusually, the dial is crafted in-house although that too is a feature shared with the 2022 Richard Lange and was one of that watch’s most notable features.Hefty in 950 platinum, the Minute Repeater Perpetual is nevertheless blessed with restrained proportions, being 40.5mm in diameter and 12.1mm thick. A hand-stitched black alligator leather strap with a platinum deployant buckle completes the ensemble. This strictly limited edition of 50 pieces is available exclusively through A. Lange & Söhne boutiques.
For more on the latest in luxury watch reads from WOW, click here.
The post A. Lange & Söhne’s Minute Repeater Perpetual Sets the Tone for Watches and Wonders Geneva appeared first on LUXUO.
Take Your Best Night Photos Using Any Phone With These Pro Tips
Whether you have an iPhone or an Android phone, these tips from a pro photographer will help you take better photos at night.
Why the Seychelles Should Be Your Next Luxury Getaway: Remote Islands, Marine Wonders & Refined Seclusion
A Dreamscape Defined by Isolation and Indulgence
The Seychelles tells a tale different from postcards and formulaic getaways. Here, where 115 islands make up the Indian Ocean, tailored elegance and untamed beauty coexist. It’s not just a “beach vacation” but a beautiful tapestry created by the most creative artists of nature. Imagine ancient, towering granite sentinels protecting palm-fringed beaches while vivid coral towns pulsate beneath the blue surface with an untamed yet profoundly peaceful beauty. For those who yearn for something beyond the ordinary, here is a haven where peace and unadulterated beauty are paramount.
Adventure is the siren song for the spirit that longs for the extraordinary—imagine traveling between islands in a private yacht and seeing areas of the Seychelles where time seems to stop. The Seychelles’ remarkable isolation, stunning biodiversity, cultural tapestry, and expertly redesigned leisurely travel are the main pillars of this research, which will analyze why the Seychelles deserve a prominent place on your luxury travel compass.
A New Definition of Luxury: Remote Yet Remarkable
Once a simple show of golden excess, luxury travel has experienced a significant transformation. The discriminating traveler today longs for a more profound tapestry woven with exclusivity, authenticity, and meaningful experiences, even while the accouterments of wealth still exist. The Seychelles expertly satisfies this craving with its subtle beauty. Its secret weapon? A fantastic sense of solitude. Its charm ignites during the trek to the Inner Islands, which calls for a little more commitment. The actual beginning of luxury is the physical change—the entry into a world free of the banal.
The appeal is in breaking away from the routine, escaping crowds and the everyday. The Seychelles offers a carefully chosen selection of eco-conscious retreats, remote island getaways, and custom nautical itineraries that connect with the sea’s age-old rhythm, eschewing the monolithic resorts and damaged coasts. Imagine heavenly showers under a velvet sky, floating sanctuaries, and terraces that blend perfectly with colorful coral lagoons. In this context, luxury is a very personal matter. Enjoying a private oceanic feast or lounging on a lone shore, the sense of unrestricted freedom is simply unmatched.
Nature’s Masterpiece: Biodiversity in Every Direction
The Seychelles? They refer to it as a “living museum of natural history,” And really, they’re right. Forget carefully planned displays; this is unadulterated genius. An ecosystem of astounding diversity is born in pristine, rigorously protected areas. Enter the private lounge of Earth by stepping behind the velvet rope, dear reader. Visit Praslin to see the mysterious Coco de Mer, a botanical celebrity, or meet the elderly, ancient Curieuse tortoises. Reefs teeming with vivid life, the ethereal dance of manta rays, the sleek, predatory elegance of reef sharks, and the calm, timeless presence of green sea turtles await those who worship at the shrine of the sea.
Don’t simply look, though. Live it. Explore buried granite temples, glide through mangrove labyrinths, or dive into protected marine parks. This isn’t tourism; it’s immersion. For a day, you may lose yourself in the majesty of nature here. The island’s most valuable asset is the quiet, which is only disturbed by the wind and the murmuring water.
Island-Hopping in Style: Slow Travel Elevated
Put the hectic checklist of traditional getaways aside. The Seychelles evokes a distinct story, a slow, deliberate investigation. Here, island hopping is a private communion with each secret cove and a deep plunge into the essence of island life rather than a race against a chart. Imagine a boutique cruise ship or a luxury catamaran serving as your entryway to the Inner Islands. Where roads and resorts give way to the ocean, this is luxury unfettered. Your haven floats with you, revealing immaculate beaches and secret lagoons only reachable by the tide’s soft movement.
This slow, methodical pace fosters pure enjoyment. On the sun-kissed terrace, sun salutations greet the breaking of dawn. Afternoons fade into lush forest trails or colorful coral gardens. In contrast to the city’s radiance, evenings are lighted by outdoor feasts and celestial shows. The beauty of fluid travel is epitomized by this combination of unbridled adventure and carefree comfort—of unpretentious, barefoot elegance and customized service. Although many cruises in Seychelles, few provide the desired intimacy and customized experience of a smaller, more intimate vessel.
Cultural Layers Beyond the Shoreline
Beyond its stunning turquoise exterior, the Seychelles pulsates with a vivid, unadulterated spirit. Here, the Creole heart pulses with an intensity that is impossible to describe—a living, breathing union in which the measured cadence of Britain, the whispers of France, the spices of India, and the echoes of Africa blend into an enthralling dance. The islands whisper their past in tiny Victoria, where colonial echoes blend with spice-filled market booths.
Indulgence goes beyond austere seclusion; it’s a profound exploration of authentic experience. Explore galleries driven by local enthusiasm, get your hands dirty in a Creole kitchen, or follow the history of historic plantations. A brief conversation with a fisherman or artisan can provide a glimpse of unadulterated reality, which is uncommon in today’s travel environment. You’ll remember these genuine human encounters set against stunning scenery long after you’ve left the coast.
Seclusion with Soul: The Ultimate Reset
The Seychelles quietly invites you to regain your inner compass in a world full of digital echoes and fast-paced rhythms. This is a well-planned retreat, a purposeful stop, not just a simple withdrawal. Imagine a boat drifting under a cosmic tapestry or a quiet islet where the breath of the water determines the rhythm of the day. This is where ‘being’ is central.
To be clear, however, indulgence is not absent from this sanctuary. Gourmet craftsmanship from culinary virtuosos, spa rituals performed to the sound of the waves, and customized wellness trips guarantee that your seclusion is wrapped in luxurious luxury. The Seychelles provide a haven for deep regeneration, not merely a place to relax. And that, my reader, is the ultimate luxury in a world without tranquility.
The Journey is the Destination
The Seychelles is a soul-recalibrating destination, not just a location on a map. It dares to reinvent luxury by removing the unnecessary to expose the core: spaciousness, leisurely moments, wild environment, and profound tranquility. The Seychelles draws people who seek the unusual, whether via the charm of its marine wildness, a leisurely, contemplative voyage, or the comfort of its distant embrace.
In this sun-drenched world, you will experience luxury beyond the material, where excitement and sophistication coexist, and every aspect has a purpose. You will find freedom. And that’s maybe the most valuable commodity in a world that’s always moving.
For more on the latest in travel reads, click here.
The post Why the Seychelles Should Be Your Next Luxury Getaway: Remote Islands, Marine Wonders & Refined Seclusion appeared first on LUXUO.
Trying To Gain Muscle? Here’s What We Know About How Long It Takes
Muscle building isn’t a short-term commitment. However, acing the basics will help you build muscle tissue and maintain it.
Endurance and Time: Watches that Capture the Spirit of Legendary Races
Endurance racing is where legends are made—a celebration of human grit, resilience, and unyielding determination. These aren’t just races; they are odysseys that test the calibre of world-class athletes and adventurers who dare to push their limits. Whether braving the tempestuous seas of the Vendée Globe, navigating the treacherous curves of the Mille Miglia, or conquering the relentless climbs of the Giro d’Italia, these events showcase the pinnacle of ambition and glory, transcending the boundaries of sport.
Complementing the drama are the timepieces that were inspired by these extreme races. These mechanical masterpieces are engineered to withstand extremes, measure every moment, and embody the spirit of endurance. From the open road to the high seas, these iconic races and their horological companions remind us that the journey, no matter how gruelling, is what defines the triumph.
There Can Only Be One
The America’s Cup is not just a sailing race—it’s a saga of rivalry, innovation, and audacity that has spanned nearly two centuries. First contested in 1851, it began when the schooner America, representing the New York Yacht Club, stunned the maritime world by defeating a fleet of British yachts in a race around the Isle of Wight. Queen Victoria herself reportedly asked who came second, to which the famous reply was, “Your Majesty, there is no second.” That single race established the United States as a dominant force in sailing—a supremacy that would last an astonishing 132 years.
The race’s prestige lies in its unique format. Unlike other competitions, the America’s Cup is a “challenge” event, where one club (the Challenger) takes on the Defender in a head-to- head battle. This structure has led to decades of fierce rivalries and dramatic upsets, none more iconic than the 1983 edition. That year, Australia II ended the New York Yacht Club’s 132-year winning streak with its revolutionary winged keel, a design so innovative it was cloaked in secrecy until the race. The Australians’ victory was not just a sporting achievement—it was a national triumph, celebrated with the kind of euphoria usually reserved for political or cultural milestones.
Over the years, the America’s Cup has become a crucible for technological advancement. Modern editions showcase yachts that seem more akin to spacecraft than traditional boats. Foiling monohulls, which lift above the water to reduce drag, reach blistering speeds of over 50 knots, transforming the competition into a high-speed ballet of precision and daring. Teams invest millions in cutting-edge design and strategy, turning each race into a high-stakes spectacle.
The America’s Cup is as much about the people as the boats. The personalities behind the helm—visionaries like Sir Peter Blake, Russell Coutts, and Larry Ellison—are as compelling as the yachts they command. Their bold decisions and relentless pursuit of perfection have shaped the race into the extraordinary event it is today. With each iteration, the America’s Cup pushes the boundaries of what is possible, blending tradition with innovation in a relentless quest for nautical supremacy.
THE WATCH: PANERAI LUMINOR LUNA ROSSA GMT
Panerai continues its legacy of precision and innovation with the Submersible GMT Luna Rossa Titanio PAM01507, celebrating the 37th America’s Cup in Barcelona. As the Official Sponsor of the Luna Rossa Prada Pirelli team, Panerai channels its maritime heritage and technological expertise into this 42mm Grade 5 titanium timepiece. The blue sun-brushed dial and ceramic bezel evoke a nautical spirit, while Superluminova X2 enhances luminosity by 10%, ensuring readability in challenging conditions. Powered by the automatic P.900/GMT24H calibre, the watch delivers a 3-day power reserve and features a GMT complication, enabling wearers to track multiple time zones—an essential tool for global competitions. With water resistance up to 50 bar and rigorous testing, this watch is engineered for extreme endurance. Two strap options, including a sporty bi-material design inspired by the team’s aesthetics, complete its robust yet elegant profile.
SHADES OF PINK
The Giro d’Italia is yet another love letter penned to immortalise Italy’s dramatic terrain, relentless spirit, and enduring passion for competition. One of cycling’s three Grand Tours, alongside the Tour de France and Vuelta a España, the Giro was first held in 1909 as a bold attempt to promote La Gazzetta dello Sport. What began as a marketing experiment has since transformed into one of the most prestigious and gruelling events in the sport.
Spanning over 3,000 kilometres in three weeks, the Giro takes riders through Italy’s breathtaking landscapes: the towering Dolomites, the serene Tuscan hills, and the bucolic countryside that has inspired poets and painters for centuries. The Giro doesn’t merely test the physical limits of its participants—it immerses them in a tableau of natural beauty and cultural heritage. The pink jersey, or maglia rosa, awarded to the overall leader, is a nod to the pink pages of La Gazzetta, but it has become a global symbol of resilience and excellence.
The Giro’s history is steeped in drama and larger-than-life personalities. In 1949, Fausto Coppi, nicknamed Il Campionissimo (“The Champion of Champions”), etched his name into legend with a solo ride across the Alpine passes from Cuneo to Pinerolo, where he gained nearly 12 minutes on his rivals. Eddy Merckx, “The Cannibal,” devoured the competition with five overall wins, cementing his status as one of cycling’s all-time greats.
Italy, often associated with la dolce vita, reveals a different side in the Giro. Its rugged climbs and unforgiving terrain contrast sharply with its idyllic countryside, showcasing the duality of a nation that cherishes both elegance and endurance. Modern editions of the race continue to reinvent themselves, incorporating unpredictable routes that challenge even the best riders in the world. Like the Mille Miglia, Giro d’Italia weaves together the bucolic charm of the countryside with the relentless pursuit of victory, proving once again that Italy’s soul is as much in its roads as in its culture.
THE WATCH: TUDOR PELAGOS FXD CHRONO “CYCLING EDITION”
This fascinating version of the Pelagos, engineered for the extreme demands of professional cycling, debuted in tandem with the TUDOR Pro Cycling Team’s entry into this year’s Giro d’Italia in 2024. Designed to reflect the grit and endurance of cycling’s most challenging events, this 43mm chronograph features a lightweight carbon composite case complemented by titanium elements for durability and resilience. The matte black dial, accented with red and luminescent ceramic markers, enhances legibility under intense conditions, while the recalibrated tachymeter scale— designed for cyclists’ average speeds—offers precision during performance tracking. This Pelagos is powered by the COSC- certified manufacture calibre MT5813, featuring a 70-hour power reserve, a silicon balance spring, and a column-wheel mechanism for unparalleled chronograph functionality. Water-resistant to 100 metres, it is robust enough for unpredictable conditions and features Tudor’s signature jacquard-woven fabric strap, renowned for its comfort and strength.
TEST OF WILL
The Ironman Triathlon stands as the ultimate benchmark of human endurance, mental fortitude, and sheer determination. Competitors face a gruelling combination of a 2.4-mile swim, a 112-mile bike ride, and a full 26.2-mile marathon, all tackled consecutively without pause. This Herculean event was born in 1978 from a casual yet ambitious debate among friends in Hawaii over whether swimmers, cyclists, or runners were the fittest athletes. Rather than settle the argument with words, they crafted the most demanding endurance test imaginable. Of the 15 daring participants who took on the inaugural race, only 12 completed the challenge—a modest start to what would become an international phenomenon.
The defining moment that catapulted Ironman into global consciousness came in 1982 at the World Championship in Kona, Hawaii. Julie Moss, leading the women’s race, collapsed mere metres from the finish line, her body completely spent. Yet, crawling across the line with an unbreakable will, she became the embodiment of Ironman’s spirit: perseverance against all odds. Seven years later, the legendary “Iron War” between Mark Allen and Dave Scott unfolded on the same course. Their ferocious head-to-head battle, testing both strategy and physical limits, culminated in Allen’s hard-fought victory, etching their rivalry into the annals of sporting history.
Today, Ironman has grown into a global series spanning over 50 countries, including tropical Malaysia, where extreme humidity and heat add an extra layer of challenge. Thousands of competitors now participate annually, all striving to earn the coveted title of Ironman—or Ironwoman. At its pinnacle are the Ironman World Championships, hosted in Kona, Hawaii, and Nice, France—a alternating dual-location format for men and women running through 2026. These prestigious events, showcasing the best endurance athletes in the world, continue to inspire millions with their blend of physical grit and human triumph.
THE WATCH: BREITLING ENDURANCE PRO IRONMAN LIMITED EDITION
The Breitling Endurance Pro Ironman Limited Edition celebrates the pinnacle of endurance racing at this year’s event, where the women competed in Nice, France, and the men took on Kailua- Kona, Hawaii. The watch features a lightweight titanium case, durable blue rubber strap for maximum performance and comfort, while the COSC-certified SuperQuartz calibre provides exceptional accuracy. The watch incorporates thoughtful details, including the Ironman World Championship logo at 6 o’clock and a pulsometer bezel for tracking heart rates, all set against a striking anthracite dial with luminescent hands and indices. Limited to 500 pieces, the design blends functionality with symbolism, featuring ferns and lavender motifs that nod to the race’s dual locations in Hawaii and southern France.
ON THE HIGH SEAS
The Vendée Globe is a race that redefines human endurance, daring competitors to conquer not only the sea but their own limits. Often called the “Everest of the Seas,” it stands as the world’s most gruelling solo sailing challenge. First held in 1989, this epic race begins and ends in the quaint seaside town of Les Sables-d’Olonne, France, but the journey in between spans over 20,000 nautical miles of sheer unpredictability. Sailors must navigate the globe single-handedly, non- stop, and without any external assistance—a feat that demands extraordinary skill, courage, and mental fortitude.
What makes the Vendée Globe truly daunting is its course. Competitors traverse the vast, unforgiving Southern Ocean, battling 30-metre waves, relentless gale-force winds, and freezing temperatures. They
must round the three great capes—Good Hope, Leeuwin, and Horn—a route steeped in maritime lore and fraught with danger. For months on end, these sailors are isolated, racing not just against one another but against the elements, their equipment, and their own endurance. Each moment on the water is a precarious dance with nature’s fury.
The race has no shortage of tales of resilience and heroism. Michel Desjoyeaux, affectionately known as “Le Professeur,” cemented his legacy in the 2000-2001 edition by winning despite a litany of early technical setbacks. His meticulous preparation and strategic brilliance earned him not just the victory but a place in sailing’s pantheon. More recently, the 2020 edition underscored the race’s perilous nature when Kevin Escoffier’s boat broke apart in the Southern Ocean. Surviving for hours in a life raft before being rescued by a fellow competitor, his ordeal was a stark reminder of the razor-thin line between triumph and disaster in this race.
The current edition of the Vendée Globe kicked off on Nov 10, with a record 40 skippers embarking on this formidable journey. As they navigate the globe’s most treacherous waters, the first sailors are anticipated to return to Les Sables-d’Olonne in March 2025, depending on weather conditions and individual progress. This edition continues the tradition of pushing the boundaries of human endurance and maritime innovation, with participants facing the relentless challenges that have defined the race since its inception.
THE WATCH: ULYSSE NARDIN DIVER NET VENDÉE GLOBE
The Ulysse Nardin Diver NET Vendée Globe is a sophisticated timepiece engineered to honour the world’s most challenging solo sailing race. A bold statement of innovation and sustainability, its 44mm case is crafted from recycled fishing nets, exemplifying Ulysse Nardin’s commitment to ocean conservation. Paired with a strap made from similar eco-friendly materials, the watch reflects the Vendée Globe’s emphasis on environmental stewardship. The Diver NET is powered by the in-house UN-118 calibre, a highly precise movement equipped with a silicon balance spring and a DiamonSil escapement, ensuring durability and accuracy in the harshest maritime conditions. The watch boasts 300 metres of water resistance and features a unidirectional bezel for safe dive timing. Its highly legible dial, enhanced by luminous markers and hands, ensures optimal readability even in low-light environments. Visually, the design incorporates bold red accents inspired by the Vendée Globe, reinforcing its connection to the legendary race.
ITALIAN SOUL
More than a race; the Mille Miglia is a love letter to Italy’s automotive heritage and the romance of the open road, wrapped in the spirit of la dolce vita. First held in 1927, this legendary “Thousand Miles” took drivers on a breathtaking yet gruelling loop from Brescia to Rome and back. Imagine the drama of twisting mountain passes, the chaos of cobblestone streets, and the serenity of sun-drenched countryside, all set against a backdrop of cheering crowds and roaring engines. It’s a scene that could easily unfold in a 1970s Italian film, where the thrill of the race mingles with the glamour of the era.
Initially a high-speed competition on public roads, the Mille Miglia ran until 1957 before being reborn as a rally for classic cars, and now it is open only to vehicles manufactured before its original cessation. Yet the mystique endures. Legendary figures like Tazio Nuvolari and Stirling Moss have etched their names into its history. Moss’ 1955 victory in a Mercedes-Benz 300 SLR remains the stuff of legend—completing the course in just over 10 hours at an average speed of nearly 98 mph, his drive was as audacious as it was unforgettable.
Today, the Mille Miglia is as much about camaraderie as competition, blending the adrenaline of racing with the timeless joy of the journey. Drivers pilot vintage beauties through Italy’s most picturesque landscapes, celebrating the marriage of engineering and artistry. It’s a rolling tableau of classic cars, charming villages, and shared passion, where the spirit of the race feels as alive as it did in its golden age. In every way, the Mille Miglia captures not just the mechanics of endurance but the pure romance of driving.
THE WATCH: CHOPARD MILLE MIGLIA GTS CLASSIC CHRONOGRAPH
As the official timekeeper of the Mille Miglia, Chopard’s series of watches that encapsulate the race’s spirit include two new models for 2024, the more accessible model being the Mille Miglia Classic Chronograph. Several design elements link the watch to racing – the white and black dial referencing the chequered flag, the panda dial resembling classic car dashboard controls, and of course, the Miglia 1000 inscription on the Lucent steel caseback. A key technical feature is its black tachymeter scale, ideal for calculating average speeds over fixed distances. The dial’s silvery centre boasts a circular brushed finish, while the black sub-dials—running seconds at 3 o’clock, a 12-hour counter at 6 o’clock, and a 30-minute tracker at 9 o’clock—stand out with their snailed textures and crisp white markers. Vintage-inspired Arabic numerals and baton-style hour and minute hands, coated with Super-LumiNova, ensure excellent legibility in all lighting conditions. Subtle yet dynamic red accents bring the dial to life, highlighting the Mille Miglia logo and the tip of the central chronograph seconds hand.
This article first appeared on WOW’s Spring Issue #77
For more on the latest in luxury watch reads from WOW, click here.
The post Endurance and Time: Watches that Capture the Spirit of Legendary Races appeared first on LUXUO.
9 Best Pet Insurance Companies of April 2025
What to Know About Pet Insurance
- Spot offers unlimited coverage with no age restrictions.
- Figo provides 100% reimbursement and unlimited payouts.
- AKC is the best option for pre-existing condition coverage.
- Pumpkin includes an excellent preventive pet care package.
[pet-insurer-quote-widget]
Why Trust Us?
At Money Magazine, we have been helping readers navigate personal finance since 1972. Our editors and writers evaluate insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.
- Based on 50+ data points
- Reviewed 19 insurers
- 1,000+ hours of research
Our Top Picks for Best Pet Insurance of April 2025
Note: The following companies are listed in alphabetical order.
- AKC – Best for Pre-Existing Conditions
- Embrace – Best for International Coverage
- Figo – Best for Reimbursement Options
- Lemonade – Best for Fast Claims Processing
- MetLife – Best for Multiple Pets
- Nationwide – Best for Exotic Pets
- Pets Best – Best for Treatment of Mobility Issues
- Pumpkin – Best for Puppies and Kittens
- Spot – Best for Unlimited Coverage
Best Pet Insurance Company Reviews
Pros
- Accident-only plan available
- Direct payments to vets available under certain conditions
- Offers supplemental accident and illness coverage for breeding pets
Cons
- Coverage for congenital and hereditary conditions costs extra
- No dental coverage except tooth extractions due to injury
- 6-month waiting period for orthopedic conditions coverage
Annual payout limit |
$2.5K, $5K, $7.5K,$10K, $15K, 20K, Unlimited |
Reimbursement rates |
70%, 80%, 90% |
Annual deductible |
$100, $250, $300, $400, $500, $600, $750, $1K |
Waiting periods |
2 days for accidents, 14 days for illnesses |
Discounts |
5% multi-pet |
Why we chose AKC: AKC is the best policy for pets with pre-existing conditions because it covers illnesses and injuries sustained before the policy’s effective date or during the waiting period.
Read our review
What we like
The American Kennel Club’s (AKC) pet insurance policy offers unprecedented coverage for pre-existing conditions. To qualify, you must keep the policy active for 365 days. Any pre-existing issue that was initially excluded will be fully covered once the waiting period elapses and the policy renews. You can also pay extra for preventive care and coverage for end-of-life expenses, veterinary exam fees, behavioral therapy and issues related to breeding.
What we don’t like
There’s no coverage for dental illnesses, and hereditary and congenital conditions aren’t covered unless you purchase the HereditaryPlus rider. Residents of Florida, California and Washington must enroll their pet before its second birthday to qualify for this add-on.
Read AKC Pet Insurance Review >>
See rates on AKC Pet Insurance’s Secure Website >>
Pros
- High upper age limit for enrollment
- High annual reimbursement limit option compared to other competitors with annual caps
- Includes up to six months of pet travel insurance
Cons
- Limited wellness benefits
- Caps dental illness coverage at $1,000 a year
- Patellar luxation and hip dysplasia are excluded for six months
Plan options |
Accident and illness, accident-only |
Annual payout limit |
$5K, $8K, $10K, $15K or $30K |
Reimbursement rates |
70%, 80% or 90% |
Annual deductible |
$100, $250, $500, $750 or $1K |
Waiting periods |
14 days for illnesses |
Discounts |
10% multi-pet, 5% military and 5% to 10% healthy pet |
Why we chose Embrace: Embrace pet insurance is one of the few companies that offer a discount for keeping your pet healthy. If you don’t exceed $300 in claims in the year prior to the discount period, you can earn 5% off your monthly premium the first year you qualify. The discount increases to 10% if you also qualify the following year.
Read our review
What we like
Embrace offers comprehensive coverage that is on par with the best pet insurance providers on the market. The company will reimburse you for the diagnosis and treatment of most accidents and illnesses that aren’t pre-existing. This includes exam fees, diagnostics, medication, surgery, ambulance and hospitalization, if necessary. Embrace is also the insurer behind USAA Pet Insurance, a members-only insurance product. Military members, veterans and eligible relatives can access all of Embrace’s pet insurance benefits at a 25% discount.
What we don’t like
Embrace caps dental illness coverage at $1,000 per year. An extended waiting period of six months applies to Intervertebral Disk Disease (IVDD), cruciate ligament injuries, patellar luxation and hip dysplasia. Finally, there’s no coverage for natural supplements, vitamins or food
Read Embrace Pet Insurance Review >>
See rates on Embrace’s Secure Website >>
Pros
- Up to 100% reimbursement with no annual limits
- No upper age enrollment limit
- Low deductible options
- Most affordable premiums
- 1-day waiting period for accidents
Cons
- No coverage on hereditary conditions if the pet is enrolled after 2nd birthday
- Low payout limits in wellness care plan
- Vet exam fees and physical therapy coverage require separate riders
Plan options |
Accident and illness, wellness rider |
Annual payout limit |
$5K,$10K or unlimited |
Reimbursement rates |
70%, 80%, 90% or 100% |
Annual deductible |
$100, $250, $500, $750 or $1K |
Waiting periods |
1 day for accidents, 14 days for illnesses |
Discounts |
5% multi-pet |
Why we chose Figo: Most competitors offer only up to 90% reimbursement. Figo stands out because pet owners can choose up to 100% reimbursement without annual payout limits and avoid copayments entirely.
Read our review
What we like
Figo offers pet owners the option to reduce their copayment to 0%, thanks to its 100% reimbursement option. (Generally, the lowest copayment provided by other insurers is 10%.)
The company also offers several endorsements that add coverage for pet boarding, lost or stolen pets (advertising costs and the value of the pet if it isn’t found) and pet liability insurance.
Figo’s Pet Cloud app features comprehensive mobile support. With the app, you can contact a licensed veterinarian 24/7, manage your pet’s insurance documents and make payments, among other transactions.
What we don’t like
Figo enforces strict limits on its coverage for hereditary conditions such as hyperthyroidism, renal disease and intervertebral disc disease (IVDD). These issues are excluded if the pet is enrolled after its second birthday. Additionally, Figo offers exam fee reimbursement and physical therapy as separate riders, while other insurers include these benefits in their base policy.
Read Figo Pet Insurance Review >>
See rates on Figo’s Secure Website >>
Pros
- Quick claims processing — in minutes rather than weeks via mobile app
- Multiple discounts available
- A portion of payments go to charities
- Customizable coverage
Cons
- Only available in 38 states
- Policies can only be adjusted at renewal
- Older pets may not be eligible for coverage
Plan options |
Accident and illness, wellness rider |
Annual payout limit |
$5K, $10K, $20K, $50K or $100K |
Reimbursement rates |
70%, 80% or 90% |
Annual deductible |
$100, $250 or $500 |
Waiting periods |
2 days for accidents, 14 days for illnesses |
Discounts |
5% multi-pet |
Why we chose Lemonade: Lemonade is our top pick for speedy claims because the company uses novel, AI-powered processing, which promises to deliver claims very quickly via the Lemonade app. The ability to direct a part of the company’s profit to a charity of your choice may also appeal to many pet owners.
Read our review
What we liked
Lemonade’s accident and illness policy covers diagnostics, procedures and medications for covered conditions. Vet visit fees, dental illnesses, end-of-life services, acupuncture and chiropractic care are excluded from the base policy (which may translate to lower premiums) but you can add these benefits as riders if they’re available in your state.
Pet owners can further enhance coverage with a preventative care rider that reimburses the cost of annual checkups, vaccines and parasite screening.
What we didn’t like
Lemonade is available in 38 states, but you can sign up for updates on its website. Users may also find Lemonade’s website hard to navigate. To get a quote, you have to input a lot of information that other insurers don’t require. Also, if you have questions the automated chat can’t answer, talking with a live agent via chat isn’t possible.
Read Lemonade Pet Insurance Review >>
See rates on Lemonade’s Secure Website >>
Pros
- Fast accident-only coverage
- Low and no-deductible plans available
- 24/7 telehealth service
- Diminishing deductible
Cons
- No standalone accident-only plan
- Terms and conditions vary by underwriter
- 6-month waiting period for cruciate ligament problems applies in some states
Plan options | Accident and illness |
Annual payout limit |
$1,000 to $25,000 |
Reimbursement rates | $50, 65%, 70%, 80%, 90% |
Annual deductible |
$0 to $2,500 |
Waiting periods | 14 days for illnesses, 1 day for accidents, 6 months for orthopedic conditions |
Discounts | Multi-pet discount and diminishing deductible |
Why we chose Metlife: With MetLife, pet owners with multiple pets don’t have to stress about meeting a separate deductible for each animal. Policyholders can enroll up to three animals under one plan and each eligible vet visit contributes towards the same deductible. Once the deductible is met, every pet is eligible for coverage for the remainder of the year.
Read our review
What we like
MetLife’s coverage terms are much more flexible than those of other providers on the market. Pet owners can select a deductible between $0 and $2,500 and an annual limit between $1,000 and $25,000. In addition to standard coverage for diagnosis, surgery, hospitalization and medications, MetLife covers exam fees, physical therapy, take-home prescriptions and alternative therapies at no extra cost. Policyholders can also get reimbursed if they need to board their pet or post a reward in the event the animal is lost or stolen.
What we don’t like
MetLife pet insurance policies are available in all 50 states. However, certain terms and benefits may change depending on which underwriter issues policies in your area, Metropolitan General Insurance Company (MetGen) or Independence American Insurance Company (IAIC). MetLife also enforces a six-month waiting period for cruciate ligament issues and other orthopedic conditions without the option to qualify for a waiver.
Read Metlife Pet Insurance Review >>
See rates on Metlfie’s Secure Website >>
Pros
- No per-incident, annual or lifetime caps
- Covers alternative therapy for diagnosed conditions
- Direct payments available under certain conditions
Cons
- Limited coverage for hip dysplasia
- 12-month waiting period for knee injuries
- No coverage for behavioral issues or prescription food
Plan options |
Accident and illness, wellness rider |
Annual payout limit |
$10K |
Reimbursement rates |
50% or 70% for Whole Pet plan |
Annualdeductible |
$250 |
Waiting periods |
14 days for accidents and illnesses |
Sample premium for rabbits |
$41.70 |
Discounts |
5% multi-pet |
Why we chose Nationwide: We picked Nationwide as the best for exotic pets because it offers comprehensive insurance for animals beyond cats and dogs. Pet owners can relax knowing up to 90% of their expenses for such animals are covered by a reputable insurer.
Read our review
What we like
Nationwide is the only pet insurance company of its size that offers insurance for avian and exotic pets. The Avian & Exotic Pet Plan covers most birds, rabbits, reptiles and small mammals, including goats and pot-bellied pigs. (Note that any animal not explicitly listed on the Nationwide website isn’t eligible, including those listed under venomous or endangered species.)
Owners of exotic pets can select up to 90% reimbursement for covered accidents and illnesses and add preventive care riders as well. Just as with dog and cat insurance, pre-existing conditions are excluded from coverage.
What we don’t like
Cat and dog insurance is easy to get directly on Nationwide’s website. However, exotic pet owners must call (844-244-3691) to get a quote or sign up. Additionally, cat and dog owners have to wait 12 months to get coverage for cruciate ligament issues — double the time of similar waiting periods.
Read Nationwide Pet Insurance Review >>
See rates on Nationwide’s Secure Website >>
Pros
- Coverage for prosthetic devices and wheelchairs
- Wide range of deductibles
- Covers pets as young as seven weeks with no upper age limit
- Direct payments to vets available upon request
Cons
- Slow claims processing
- Excludes alternative therapy and behavioral modification
- Policy upgrades are not available until the renewal date
Plan options |
Accident and illness, accident-only, wellness rider |
Annual payout limit |
$2.5K, $5K, $10K or unlimited |
Reimbursement rates |
70%, 80% or 90% |
Annual deductible |
$50, $100, $250, $500 or $1K |
Waiting periods |
3 days for accidents, 14 days for illnesses |
Discounts |
5% multi-pet |
Why we chose Pets Best: Pets Best has a wide range of coverage options and deductibles, and it offers pet insurance for cats and dogs as young as seven weeks. It’s also one of the few pet insurance companies that cover prosthetic devices and wheelchairs.
Read our review
What we like
Insurers don’t always cover treatments for mobility issues, but Pets Best provides coverage for wheelchairs and prosthetic devices when prescribed by a veterinarian to treat a covered accident or illness.
The company also offers comprehensive physical therapy coverage as an add-on, encompassing acupuncture, electroacupuncture, chiropractic care, treadmill therapy, laser therapy, therapeutic exercises, ultrasound therapy, gait training and other treatments.
Pets Best’s take-home prescription rider covers not just prescription medications, but over-the-counter drugs, supplements, remedies and treatments as long as they’re prescribed by a veterinarian. That said, there’s no coverage for alternative therapies and holistic treatments that might benefit your pet’s recovery.
What we didn’t like
Cruciate ligament conditions and any related complications are subject to a six-month waiting period. Pet owners can waive the accident and illness waiting period with a medical exam on the same day they purchase coverage, but this waiver doesn’t apply to cruciate ligament issues.
Read Pets Best Pet Insurance Review >>
See rates on Pets Best’s Secure Website >>
Pros
- Preventive care packages for the particular needs of puppies and kittens
- No upper age limit
- Short (14-day) waiting period for all health conditions, including knee and hip dysplasia
- Covers exam fees at no extra cost
Cons
- No customizable reimbursement levels
- No accident-only option
- Preventive plan doesn’t cover spay/neuter or dental cleanings
- Most expensive option in our survey
Plan options |
Accident and illness, wellness rider |
Annual payout limit |
$10K, $20K or unlimited |
Reimbursement rates |
90% |
Annual deductible |
$100, $250, $500 or $1K |
Waiting periods |
14 days for accidents and illnesses |
Discounts |
10% multi-pet |
Why we chose Pumpkin: Pumpkin is our pick as the best for puppies and kittens because it offers extensive insurance and non-insurance preventive care options tailored to junior animals.
Read our review
What we like
Pumpkin’s puppy preventive care pack includes one annual wellness exam fee, four puppy vaccines and one yearly fecal test. It will also refund the cost of up to four vaccines your puppy may have received prior to being insured under the preventive pack, as well as cover lab tests for parasites.
Pumpkin offers comprehensive accident and illness coverage with some standout benefits: microchip implantation, stem cell therapy and a pet poison control consultation fee. Pet owners are free to call the ASPCA Poison Control Center or the Pet Poison Helpline (and maybe save themselves a trip to the emergency room) without worrying about paying $85-$95 for the phone call.
What we don’t like
Pumpkin charges some of the highest premiums out of all the companies we surveyed. And customers can’t customize the reimbursement rate in order to find a rate that suits their budget.
Read Pumpkin Pet Insurance Review >>
See rates on Pumpkin’s Secure Website >>
Pros
- Unlimited annual coverage available
- No upper age limit
- 24/7 telehealth helpline
- Pet owners have 270 days (around eight months) to file a claim
Cons
- Higher-than-average premiums for young pets
- Charges transaction fees for monthly, quarterly or semi-annual payments
Plan options |
Accident and illness, accident-only, wellness rider |
Annual payout limit |
$2.5K, $3K, $5K, $7K, $10K or unlimited |
Reimbursement rates |
70%, 80% or 90% |
Annual deductible |
$100, $250, $500, $750 or $1K |
Waiting periods |
14 days for accidents and illnesses |
Discounts |
10% employee, 10% multi-pet |
Why we chose Spot: We picked Spot as the best for unlimited coverage because it caters to pet parents who want to maximize their pet’s coverage, no matter the cost. Spot is also a fine choice for older pets since there’s no age limit for coverage.
Read our review
What we like
Spot’s full (100%) coverage option allows you to maximize your pet’s coverage, meaning you are not responsible for any co-payment. In addition, the company offers a very low ($100) deductible option, which further reduces your out-of-pocket payments for care. That said, choosing one or both of a low co-payment and a low deductible will lead to higher premiums for the policy.
What we don’t like
Unlimited annual coverage comes at a high cost and Spot’s prices are already higher than the norm for young pets.
Read Spot Pet Insurance Review >>
See rates on Spot’s Secure Website >>
Other companies we considered
Our pet insurance comparison table includes our top picks as well as other insurance agencies that stood out in some respects but didn’t quite match the strengths of our top picks. Read our full reviews to learn more: ASPCA Pet Health Insurance, Fetch Pet Insurance, Many Pets Pet Insurance, Wagmo Pet Insurance, Healthy Paws and Trupanion.
Check out the table below to compare pet insurance plans, whether you’re looking for dog insurance or exploring options for other cherished pets.
What You Need To Know About Pet Insurance
Pet insurance covers your pet’s vet bills for illnesses or injuries, protecting you from unexpected expenses like emergency care or treatment for chronic conditions. It doesn’t cover pre-existing conditions or routine care such as vaccinations and annual exams.
There are two types of policies: accident-only and accident-and-illness plans. Insurers may also offer separate wellness plans that cover routine care.
Table of contents
- How much is pet insurance?
- How does pet insurance work?
- Is pet insurance worth it?
- How to choose the best pet insurance
- How to save on pet insurance
How much is pet insurance?
According to NAPHIA’s State of the Industry Report, the average cost of pet insurance for cats is $29 a month while dog insurance plans cost about $49 a month.
If you’re on a tight budget, check out our reviews of the best cheap pet insurance. In our sample of providers, the cheapest pet insurance quotes were $15 per month for cats and $40 for dogs.
Pet insurance for cats
Monthly cost of cat insurance for a domestic shorthair in Miami, Florida:
Company |
1-year-old |
5-year-old |
10-year-old |
---|---|---|---|
Figo |
$15.45 |
$18.15 |
$39.30 |
Lemonade |
$19.08 |
$22.51 |
N/A |
Pets Best |
$21.00 |
$24.93 |
$57.82 |
AKC |
$22.43 |
$28.33 |
N/A |
Nationwide |
$23.05 |
$34.19 |
N/A |
Embrace |
$27.71 |
$37.83 |
$63.94 |
Spot |
$29.47 |
$33.12 |
$76.06 |
Trupanion |
$30.63 |
$51.45 |
$78.03 |
Healthy Paws |
$32.08 |
$55.33 |
$75.11 |
Pumpkin |
$49.50 |
$55.62 |
$127.73 |
Pet insurance for dogs
Monthly cost of dog insurance for a Labrador retriever in Miami, Florida:
Company |
1-year-old |
5-year-old |
10-year-old |
---|---|---|---|
Figo |
$40.51 |
$54.82 |
$138.78 |
Lemonade |
$47.90 |
$64.32 |
N/A |
AKC |
$48.49 |
$69.56 |
N/A |
Pets Best |
$54.46 |
$73.42 |
$188.14 |
Healthy Paws |
$54.85 |
$95.56 |
$130.20 |
Nationwide |
$68.07 |
$91.17 |
N/A |
Spot |
$78.71 |
$102.13 |
$238.49 |
Embrace |
$83.50 |
$108.55 |
$217.11 |
Trupanion |
$100.43 |
$179.24 |
$271.26 |
Pumpkin |
$100.98 |
$131.04 |
$306.00 |
Sample quotes correspond to an accident and illness policy with 80% reimbursement, a $10,000 payout limit, and a $250 deductible, except for Trupanion, Figo and Pumpkin. Please note that your quote may be different from the rates above.
Factors that affect your pet insurance costs:
- Type of policy: Accident and illness policies cost more than wellness plans or accident-only policies.
- Type of animal: Dog insurance costs twice as much as cat insurance. Insurance for birds generally costs under $21 a month, while insurance for horses costs over $80.
- Pet’s age: Premiums increase with age. In addition, your options for insurance providers will significantly diminish after your dog or cat reaches the age of 10 or 12.
- Pet’s breed: It costs more to insure purebreds prone to congenital or hereditary conditions than to insure mixed-breed dogs.
- Pet’s size: Insuring larger dogs or cats will cost more than insuring small or toy-sized animals. However, smaller breeds tend to live longer, so you’ll pay more over their lifetime.
- Where you live: Pet insurance costs more in states with expensive vet costs, like California and New York.
Additional out-of-pocket expenses to remember
The cost of pet insurance is not limited to premium payments. Unless you purchase a policy with 100% reimbursement, unlimited payouts and no deductibles, you’ll have to cover some expenses yourself.
- Exam or office fees: Veterinarians and emergency vet care clinics charge an exam fee that’s separate from diagnostic or treatment costs. Most insurers exclude this fee from coverage, which then amounts to a hidden deductible of $30 to $100 for each visit.
- Deductible: You’ll need to meet the policy’s deductible before the insurance company starts reimbursing you. It might take a few vet visits to reach the deductible amount, especially if you set a high deductible in order to lower your premium rate.
- Copay: Once you file for reimbursement, plans typically pay 70% to 90% of eligible veterinary services. The remaining 30% to 10% comes out of your own wallet.
- Payout caps: Pet insurance will not pay once you reach the policy’s maximum coverage amount for the year. Some insurers also set individual coverage caps for behavioral modification, dental care, and end-of-life expenses.
How does pet insurance work?
Pet insurance has no network restrictions, so you can take your pet to any licensed specialist. Coverage begins after a waiting period of one to 14 days (the exact number depends on whether the issue is an accident or illness) and after you’ve met the policy’s deductible
Once you meet the deductible, you’ll pay the vet bill and file for reimbursement — unless your insurer offers direct payments to vets. Most insurers cover 70% to 90% of the bill, leaving you to pay the remaining amount. Annual reimbursement limits apply and reset each year upon renewal.
While insurance premiums don’t increase after a claim, they can rise by 20% to 30% annually based on your pet’s age and veterinary costs in your area.
Types of pet insurance
Accident & illness policy |
Accident coverage |
Wellness riders |
---|---|---|
Covers diagnosis, surgery, hospitalization, treatment and medications for any covered accident or illness. |
Pays only for the treatment of sudden accidents or injuries (e.g., poisonings, broken bones or bloating). |
Reimburses policyholders for services such as vaccinations, microchipping, dental cleanings and heartworm prevention. |
What does pet insurance cover?
Pet insurance covers diagnostic tests, hospitalization, surgery, prescription medication and long-term treatment for accidents and chronic conditions such as allergies or diabetes. Most policies also cover medically necessary physical and behavioral therapy.
As with most insurance policies, there are exclusions. Pet insurance doesn’t cover routine care, pre-existing conditions or injuries due to owner negligence.
Check out our pet insurance coverage guide for more information.
Is pet insurance worth it?
Some pet owners might regret spending thousands on insurance if their pet stays healthy, thinking credit cards or savings accounts might have been more cost-effective. However, for pets facing health issues, insurance can be vital. Dr. Karen Halligan, host of Collars and Cents, points out that advanced treatments like “$35,000 stem cell transplants or open-heart surgery” are now possible, and “the big difference is the insurance.”
Insurance can prevent you from having to choose between your financial well-being and your pet’s health. Dr. Lindsey Butzer of Clint Moore Animal Hospital highlights that financial limitations often lead to euthanasia or delays in treatment: “People won’t pay for their dog over their groceries,” she says.
Pet insurance can offer some peace of mind amid rising vet care costs. Consider these tips before buying a policy:
- Enroll when your pet is young and healthy to avoid exclusions for pre-existing conditions
- Budget for monthly premiums, copays and annual deductibles
- Expect to pay vet bills upfront and wait for reimbursement
- Anticipate yearly premium increases
- Keep up with preventive care for your pet
How to choose the best pet insurance plan
Follow these steps to find the best policy for your pet:
1. Choose between an accident-only or accident and illness coverage
An accident and illness plan may be worth it if you’re enrolling a pet that’s still young and healthy. Accident-only plans, on the other hand, are suitable for budget-conscious pet owners who want a safety net for serious accidents or find it too expensive to fully insure older dogs.
2. Study the policy’s coverage
In general, every pet insurance policy covers diagnostics, surgery, medication, and treatment. However, the details can vary, so it’s important to check the fine print to see what specific services and benefits are included.
The best pet insurance policies cover exam fees, alternative and behavioral therapy, and prescription medications. Some may even pay vets directly. It’s also a good idea to look into the policy’s dental care coverage. Be sure to ask about coverage for periodontal disease, age limits for congenital dental problems, and whether all teeth are covered.
3. Select the policy’s terms
Most insurers let you choose your policy’s reimbursement rate, deductible and annual coverage limit. Reimbursement rates range from 70% to 100%, covering that portion of the bill.
Annual limits can range from as low as $5,000 to unlimited, with higher limits costing more. Insurers may also impose per-incident limits, especially for dental coverage, behavioral therapy and prescription medications.
4. Compare waiting periods
Most pet insurance companies make you wait 14 days before you can file a claim. If you want fast coverage, look for companies that offer shorter waiting periods for accidents.
Orthopedic waiting periods are another crucial factor to consider. Many insurers impose a six to 12-month wait for joint injuries and hip dysplasia. If your pet’s breed is prone to these issues (which can develop in puppyhood), enroll them as young as possible or seek a policy without such restrictions.
5. Compare pet insurance quotes
You’d be surprised at how much prices can vary between insurance companies; some insurers quote double the price of others for similar coverage. It pays to shop around on pet insurance comparison sites like Petted Insurance, Pawlicy Advisor or Pet Insurer, which allow you to compare multiple plans at once.
Check out our guide on how to buy pet insurance for more information.
How to save on pet insurance
When it comes to premiums, there’s not much you can do about your zip code, your pet’s breed or age but you can tweak coverage levels to fit your budget:
- Payout caps: Higher coverage limits translate to higher premiums. To pick the right payout cap, check the average cost of treatment in your area for breed-specific illnesses and common injuries.
- Reimbursement percentage: A low reimbursement percentage means you’ll pay less in premiums. However, this also means you’ll have a higher copayment.
- Deductibles: The higher the deductible, the lower your premium. Choosing a higher deductible can save you money if your pet remains healthy. However, if your pet suddenly becomes ill or injured, you’ll have to pay more out of pocket before your insurance starts covering costs.
Pet insurance discounts
Pet owners can shave 5% to 10% off their policy’s monthly rate if their pet insurance carrier offers any one of these discounts:
- Annual pay discount: Lower rates if you pay for the policy annually instead of monthly
- Spay/neuter discount: Reduced premium if you spay/neuter your pet upon enrollment
- Military discounts: Discounts for active and former members of the armed forces
- Multipet discount: Discounted rates for each additional pet you enroll with the same provider
- Bundle discounts: Discounted rate for bundling with homeowners or renters insurance under the same provider
- Group discounts at work: Lower rates for employer-provided pet insurance
You can also save money on pet insurance by adopting through a shelter. Trupanion offers 30 days of free insurance at participating shelters and vets, and you can continue coverage after the trial ends (terms and conditions apply).
Check out the best places to adopt a pet and ask if they participate in similar programs.
How We Chose Our Top Picks
To identify the best pet insurance companies of 2025, we reviewed 19 companies based on over 50 data points. Our methodology summarizes the data points in the following categories: basic coverage, extra benefits, waiting periods, limitations and exclusions, affordability, availability, customizability, and ease of use.
Click below to learn more.
Methodology
- Basic coverage: Our top picks cover exam fees, diagnostic testing, treatment, surgery, medications and hospitalizations for accidents and illnesses. We skipped companies that didn’t cover curable pre-existing conditions, as this would mean that one-time ailments such as respiratory infections or a stomach bug could potentially be excluded.
- Extra benefits: We checked whether the provider covered alternative therapies, behavioral modification, telehealth services and a 24/7 vet helpline. We also took note of providers that offer coverage for non-health-related issues, such as advertising for lost or stolen pets and pet boarding in the event the owner falls ill.
- Waiting periods: Pet insurance policies typically enforce a 14-day waiting period for accidents and illnesses. Our top picks set waiting periods within this range, with the exception of Nationwide, which enforces an additional waiting period for orthopedic conditions.
- Limitations and exclusions: We reviewed the provider’s upper age limits and cut-off points for coverage. Many accept pets regardless of age, some issue only accident-only policies after the pet reaches a certain age and others deny coverage if the pet is too old. We also identified any additional lifetime or per-incident payout limits that could increase a buyer’s out-of-pocket expenses.
- Affordability: We gathered sample quotes using the pet profiles of a one-year-old Labrador Retriever and a one-year-old domestic shorthair cat from Mami, Florida. The policy’s terms are: an 80% reimbursement rate, a $10,000 payout limit and a $250 deductible (with some variations if the company doesn’t offer those terms). With that data, we identified which insurers offer the best rates, considering whether affordability meant paying extra for certain benefits.
- Availability: Most pet insurance providers are licensed to sell policies in all 50 states. And once you have a policy, you can typically visit any licensed veterinarian in the U.S., Canada and any U.S. military base overseas. We excluded companies that issued policies with limited membership, such as USAA pet insurance. We also left out insurers that resell pet insurance policies, such as Geico, which offers Embrace or Trupanion.
- Customizability: Having multiple deductible, payout and reimbursement options means that policyholders can tweak the coverage details to get a premium that’s within their budget. Most providers allow this flexibility. The ones that feature a single policy with no customizability typically offset this limitation with high levels of coverage (90% to 100% reimbursement and very high or unlimited payouts).
- Ease of use: We went through each company’s quote process and took note of how user-friendly its platform was. Most pet insurance companies fare pretty well in this regard, featuring well-designed websites and mobile apps. Pet owners only need to provide their zip code and their pet’s species, breed and age to get an online quote and purchase a policy.
Latest News
Looking for pet wellness care or coverage for multiple pets? Look no further. We narrowed down the best plans for your pet’s particular needs.
- Best Pet Insurance for Multiple Pets of 2024 | Money
- 6 Best Cheap Pet Insurance Companies | Money
- Best Dog Insurance | Money
- Best Cat Insurance of 2024 | Money
- Best Pet Wellness Plans of 2024 | Money
- Best Pet Insurance for Pre-Existing Conditions | Money
Pet Insurance FAQs
How much is a vet visit?
Without insurance, a routine veterinary visit for a cat or dog may range from $50 to $300. Emergency visits can be significantly more expensive, depending on the severity of the situation and required care. Addressing specific health issues also incurs higher costs.
For example, according to Healthy Paws’s 2022 Cost of Veterinary Care report, skin conditions were the most common insurance claim for dogs, with bills averaging $200 to $2,500. Similarly, gastritis was the most common condition in cats, with reimbursement claims ranging from $1,500 to $1,800.
What is the best pet insurance?
The ideal policy will depend on a combination of different elements, mainly your budget and your pet’s needs. Our roundup of the best pet insurance providers includes reputable companies such as Spot, Pumpkin, AKC, Figo, Embrace, Pets Best, Lemonade and Nationwide.
What is the best pet insurance for dogs?
The best pet insurance for dogs (much like pet health insurance for cats) covers the veterinary services your pet will need if they get seriously sick or injured. This includes surgeries, hospitalization, diagnostics, treatment and medication. The best insurers also offer exam fee and wellness coverage, and most cover alternative therapies and behavioral modification at no extra cost.
Get a quote from any of our top picks — Spot, AKC, Lemonade
, Embrace, Pets Best, Figo and Pumpkin — to see which of their dog pet insurance plans is the best for your pup.
How does pet insurance know about pre-existing conditions?
Pet insurance companies identify pre-existing conditions by reviewing your pet’s healthcare records or requesting a nose-to-tail medical exam before enrollment. To gather your pet’s medical records, the company might request the contact information of every shelter or veterinarian that has treated your pet in the past.
What is a good annual limit for pet insurance?
In most cases, $5,000 to $10,000 is more than enough to cover yearly veterinary expenses. However, some treatments, such as cancer treatment or hip replacement surgery, can be very costly. A limit of $10,000 may not be enough, depending on your location and your pet’s breed. Assess your pet’s susceptibility to certain conditions to choose the appropriate limit. You can also research local treatment costs to make an informed decision.
Summary of Money’s Best Pet Insurance Companies of April 2025
- AKC – Best for Pre-Existing Conditions
- Embrace – Best for International Coverage
- Figo – Best for Reimbursement Options
- Lemonade – Best for Fast Claims Processing
- MetLife – Best for Multiple Pets
- Nationwide – Best for Exotic Pets
- Pets Best – Best for Treatment of Mobility Issues
- Pumpkin – Best for Puppies and Kittens
- Spot – Best for Unlimited Coverage