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A. Lange & Söhne’s Minute Repeater Perpetual Sets the Tone for Watches and Wonders Geneva

April 1, 2025 Ogghy Filed Under: Luxury Lifestyle

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

April 1, 2025 Ogghy Filed Under: CNET How To, SUCCESS

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

April 1, 2025 Ogghy Filed Under: Luxury Lifestyle

La Digue, Seychelles

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.

Victoria, Beau Vallon, Seychelles

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.

Hilton Seychelles Northolme Resort & Spa, North Coast Road, Mahé, Seychellen

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.

Hilton Seychelles Northolme Resort & Spa, North Coast Road, Mahé, Seychellen

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.

La Digue, Seychelles

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

April 1, 2025 Ogghy Filed Under: CNET How To, SUCCESS

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

April 1, 2025 Ogghy Filed Under: Luxury Lifestyle

October 04, 2024. Louis Vuitton Cup, Final Race Day 7. INEOS BRITANNIA, LUNA ROSSA PRADA PIRELLI TEAM

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.

September 30, 2024. Louis Vuitton Cup, Final Race Day 4. LUNA ROSSA PRADA PIRELLI TEAM

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.

Breitling Endurance Pro Ironman World Championship

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.

LES SABLES D’OLONNE, FRANCE – OCTOBER 20, 2024: All skippers but Boris Herrmann are posing for the official group picture on pontoons of the Vendee Globe, on October 20, 2024 in Les Sables d’Olonne, France – (Photo by Vincent Curutchet / Alea)

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

April 1, 2025 Ogghy Filed Under: Money.com, SUCCESS


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.

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  • 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

From San Francisco to Paris: Fashion’s Denim Rebellion

April 1, 2025 Ogghy Filed Under: Luxury Lifestyle

Born in the gold rush and immortalised by Levi’s, denim is the fabric of San Francisco’s rebellious spirit. Once a symbol of workwear, it has been reinterpreted by luxury Maisons, proving its versatility beyond the classic jean. From John Galliano’s theatrical denim creations at Dior to the enduring appeal of the Canadian tuxedo, denim has evolved into a high-fashion statement. This season, Fall/Winter 2025 collections continue to push the boundaries, showcasing denim in couture, tailoring and unexpected silhouettes. What started as an invention for the American worker became the uniform of progress. Worn by miners, cowboys, rebels, rock stars, presidents and everyday men and women, these functional pieces were the clothes people not only worked in — they lived their lives in, too.

Levi’s & San Francisco’s Origins of Denim

The story of denim begins in San Francisco with Levi Strauss, who in 1873, along with tailor Jacob Davis, patented the first pair of riveted denim jeans. Initially designed as durable workwear for miners and labourers, Levi’s quickly became an enduring American icon. But what started as purely practical attire soon caught the attention of designers who saw the rebellious undertones in denim. As it moved from function to fashion, denim’s transformation mirrored a broader cultural shift — one that embraced the power of reinvention.

However, the success of denim’s journey in fashion did not stop with Levi’s. What began as a necessity for laborers soon caught the attention of designers who saw it is potential to go beyond jeans. Its rugged practicality made it a symbol of counterculture movements, from rock stars to runway muses and ultimately, a canvas for luxury fashion experimentation. Luxury designers took denim beyond its blue-collar roots, reshaping it with intricate tailoring, embellishments and avant-garde silhouettes. Today, denim is no longer just a workwear staple but rather a statement of reinvention, continuously reimagined by the world’s most prestigious fashion houses.

The “Canadian Tuxedo”

The term “Canadian Tuxedo” is said to originate from a legendary fashion moment involving American singer Bing Crosby in 1951. Crosby and his friend were reportedly denied entry into a luxury Vancouver hotel because he was wearing an all-denim outfit. When Levi’s caught wind of the incident, they designed a custom denim tuxedo jacket for him, complete with a leather patch inside that read, “Notice to All Hotel Men: He may be wearing Levi’s, but he’s still a gentleman.” Fast forward a few decades to the 2001 American Music Awards when Britney Spears wore a patchwork denim gown alongside Justin Timberlake in a Canadian tuxedo and matching cowboy hat that denim-on-denim styling become something of a cultural phenomenon that went against conventional sartorial codes of dressing.

Read More: The Death of Subculture: How Cult Dressing Evolved into Mainstream Culture

How Luxury Fashion Houses Redefined This Workwear Staple

Denim has long been associated with its utilitarian roots, a fabric born out of necessity for the working class. Today, beyond its everyday function, denim is no longer confined to rugged workwear or off-duty staples, denim has found its place in couture and high fashion, where its rebellious spirit and versatility continue to challenge conventions.

Dior

Christian Dior by John Galliano circa 2000
Trompe L’oeil Denim Print Silk Bias-Cut Dress

If anyone could elevate denim beyond its working-class roots, it was John Galliano. During his tenure at Dior in the early 2000s, Galliano sent exaggerated, distressed and embroidered denim creations down the runway, proving that the humble fabric could hold its own in haute couture. His designs incorporated Victorian corsetry, intricate beading and voluminous silhouettes, taking denim far beyond the realm of casualwear. In his hands, denim became a tool for storytelling — transforming its rugged practicality into a medium for fantasy and drama.

When Maria Grazia Chiuri took over at the helm of Dior, she delivered a more feminine (over fantasy) take while still maintaining an element of historical references. In the Fall/Winter 2017 collection for Christian Dior, Maria Grazia Chiuri seamlessly continued the tradition of reinventing denim, pushing its boundaries in a way that connected the fabric’s utilitarian origins with high fashion. For Chiuri, denim was not just a workwear staple, but a medium for exploring femininity and history through the lens of luxury design. Her use of denim was both understated and revolutionary, offering tailored denim pieces with a distinctly couture approach. Corseted denim dresses, paired with intricate embroidery, transformed the once-rugged fabric into a symbol of modern elegance, drawing from the past while firmly establishing denim as a cornerstone in the luxury fashion narrative. By marrying the utility of denim with refined, couture tailoring — Chiuri redefined the fabric’s role in high fashion, showing how it could embody the rebellious spirit of its working-class roots while also embracing the sophistication of Dior’s legacy.

Schiaparelli

Daniel Roseberry’s Fall 2021 Couture collection for Schiaparelli marked another evolution of the use of denim in luxury fashion. Known for his bold reinterpretations of the Schiaparelli legacy, Roseberry took an unconventional approach to denim by upcycling vintage 1980s Levi’s jeans, a nod to the fabric’s utilitarian roots, and deconstructing them into couture pieces that blurred the boundaries between streetwear and haute couture. In this collection, Roseberry used denim as the canvas for surrealist artistry, an homage to Elsa Schiaparelli’s own affinity for blending the unexpected and the avant-garde. The denim pieces were meticulously reimagined with intricate craftsmanship, incorporating anatomical motifs — a signature of Schiaparelli’s surrealist heritage. Roseberry embraced this theme, embellishing the denim with elaborate, anatomy-inspired embroidery that depicted human forms and skeletal structures. These elements were not only aesthetically striking but also added an element of intellectual depth, as they evoked the idea of the body itself being deconstructed and reconstructed, much like the fabric of a pair of denim jeans.

​Jean Paul Gaultier

For Jean Paul Gaultier’s Fall/Winter 2022-2023 Haute Couture collection, guest designer Olivier Rousteing reimagined denim, transforming this everyday fabric into haute couture masterpieces that paid homage to Gaultier’s legacy while infusing it with his own distinctive style.​ Rousteing’s approach involved deconstructing traditional denim pieces and reconstructing them with intricate detailing and luxurious embellishments. One notable ensemble featured a mini dress crafted from faded denim, adorned with tonal pheasant feathers that cascaded gracefully from the bust and neckline, creating a striking contrast between the structured denim and the soft, fluid movement of the feathers. ​Another standout piece was a pair of denim overalls, entirely embroidered with beads resembling caviar, showcasing the meticulous craftsmanship synonymous with haute couture. This design blurred the lines between utility and luxury, elevating the humble workwear staple to an art form. ​Rousteing also revisited Gaultier’s iconic marinière (Breton stripe) motif, integrating it into the denim ensembles. He transformed the classic striped sailor shirt into a denim bandage dress, seamlessly blending casual and formal elements. ​Rousteing’s otherworldly designs demonstrated denim’s versatility and potential to transcend its utilitarian origins, reinforcing its place within high fashion.

Ronald van der Kemp

As a designer devoted to sustainability and craftsmanship, Ronald van der Kemp takes denim beyond its traditional confines, proving that this durable fabric can be just as luxurious as silk or brocade. Through his meticulous upcycling and avant-garde tailoring RVDK transforms denim into demi-couture statements, making sustainability an integral part of his own brand of luxury fashion. Van der Kemp often uses deadstock denim and vintage jeans, deconstructing and reconstructing them into sculptural and unexpected forms. His approach challenges the notion that couture must be pristine and delicate — his denim creations embrace raw edges, patchwork techniques and dramatic silhouettes, reinforcing his belief that luxury and sustainability can coexist.

In his Fall 2019 Couture collection, he transformed repurposed jeans into power-shouldered jackets layered over voluminous skirts, blending ruggedness with 1980s-inspired glamour. For his Spring 2021 showcase, he pushed denim into eveningwear, showcasing an asymmetrical patchwork gown adorned with intricate beadwork and embroidery. His Fall 2022 collection introduced a corset-detailed denim trench coat, structured high-waisted jeans with extreme pleating and layered tulle skirts. For Spring 2023, a sculpted denim bustier with architectural folds epitomised his avant-garde draping techniques. More than just an aesthetic choice, Ronald van der Kemp’s use of upcycled denim makes a powerful statement on sustainability, proving that fashion’s most democratic fabric can be transformed into a symbol of reinvention and luxury.

Balmain

For Balmain’s Spring 2014 Ready-to-Wear collection, Olivier Rousteing drew inspiration from Serge Gainsbourg’s laid-back style, incorporating denim in innovative ways. The lineup featured denim pieces with gold chain accents — including jackets and skirts — blending the fabric’s utilitarian roots with Balmain’s signature embellishments. This collection highlighted Rousteing’s talent for reimagining denim within the context of luxury fashion. ​

Balmain ready-to-wear Fall 2016 collection (left) and Balmain menswear 2017 collection (right)

For Balmain’s Spring 2017 Menswear collection, Olivier Rousteing showcased a relaxed yet opulent approach to denim. Models donned light-wash denim ensembles, including jeans paired with wrap skirts and layered with sand-colored suede jackets. The collection featured vibrant hues and intricate embellishments, underscoring Rousteing’s flair for combining casual fabrics with luxurious details. ​The Fall/Winter 2017 collection continued this exploration, presenting distressed biker jeans and denim jackets adorned with Western-style studding and sequins. This collection exemplified Balmain’s ability to fuse rugged denim with high-fashion elements, reinforcing the fabric’s status as a versatile and glamorous material. ​

Chanel

At Chanel’s fall 2016 show in Paris, the French Maison highlighted numerous pieces in denim, which (at the time) was not something that Chanel typically did. The late Karl Lagerfeld added a modern twist by combining the textile with pink fuchsia tweed. Denim weaved its way into tailored jackets, bags, hats and gloves and combined with tweed, silk, embroidery and pearls. The collection was anchored in the fashion house’s DNA, but had a fresh, modern feel with touches of sportswear.

Under the creative direction of Virginie Viard, Chanel’s Resort 2023 collection saw an incorporation of denim in pieces such as blazers, wide-leg jeans and structured outerwear, each reimagined with luxurious finishes that blurred the lines between everyday wear and couture. Chanel’s take on denim ws not simply about using the fabric for its utilitarian aspects; it was about redefining it within the context of haute couture. The tweed denim jackets for example, were crafted with precision tailoring and accented with signature Chanel touches such as gold-button details, sleek silhouettes and delicate stitching. These design elements imbued the denim with a level of sophistication that elevated it from workwear to something distinctly high fashion.

For more on the latest in luxury style and fashion reads, click here.

The post From San Francisco to Paris: Fashion’s Denim Rebellion appeared first on LUXUO.

San Francisco’s Upbeat Property Market and Outlook

April 1, 2025 Ogghy Filed Under: Luxury Lifestyle

Sunset District, San Francisco
Sunset District in San Francisco. Image: Pacific Edge Real Estate

Following the pandemic, San Francisco’s upscale real estate market has experienced significant fluctuations as it navigates shifting consumer tastes, economic challenges, and the ongoing impact of foreign investment. Some market segments have demonstrated tenacity during the recovery, while others continue to face challenges. The interaction of local circumstances and international interest has influenced the development of the city’s luxury real estate market.

Market Performance Post-Pandemic

Pacific Heights Mansion
Pacific Heights mansion sold for US$27 million. Image: Builder Magazine.

Following the pandemic, several variables, including the shift in demand for urban living, rising mortgage rates, and remote work practices, contributed to a sharp decline in San Francisco’s luxury housing market. The typical sale price of luxury homes in the city fell to US$4.8 million in the second quarter of 2023, a record 12.7% decrease from the previous year’s US$5.5 million. As reported by Business Wire in 2023, this was one of the steepest drops in any major U.S. urban area.

Nevertheless, by 2024, there were indications of improvement. San Francisco’s sales volume increased by 11% annually, suggesting the market stabilised. As demand stabilised, sales increased even if housing prices were still below their pre-pandemic peak. Overall, home sales in the Bay Area increased by approximately 9% between January and November 2024, indicating a regional trend toward recovery, as the San Francisco Chronicle reported in 2024.

Despite these encouraging indicators, sales volume remained below pre-pandemic levels, indicating the continued difficulties caused by rising mortgage rates, which have reduced buyer affordability and limited the flow of luxury homes. Specifically, it has taken longer for homes in affluent neighbourhoods to sell. Due to the reluctance of prospective purchasers, many of whom are sensitive to increasing financing costs, properties in neighbourhoods like Pacific Heights, where the ultra-wealthy dominate the market, had shorter sales cycles.

International Investment

Laurene Powell Jobs Mansion
An eye-watering US$70 million mansion purchased by Laurene Powell Jobs. Image: Builder Magazine.

International investment has traditionally been drawn to San Francisco, particularly by wealthy individuals seeking a prestigious address in a top-tier city. Despite market volatility, foreign buyers remain strongly attracted to premium real estate. The proof of the enduring appeal of the city’s upscale real estate is the US$71 million purchase of a historic Pacific Heights mansion by Laurene Powell Jobs, the widow of Apple co-founder Steve Jobs (Wall Street Journal, 2024).

Furthermore, foreign investors from markets such as China, India, and Europe continue to view San Francisco as a secure location to preserve wealth, particularly during challenging times worldwide. Regardless of market fluctuations, the city’s position as a global tech hub and its proximity to Silicon Valley remain essential draws for affluent individuals.

Some neighbourhoods, including the Sunset District, which tend to attract more domestic buyers, have experienced faster sales cycles than the luxury market. Since foreign buyers have historically been more active in the top-end market, these places are partially protected from volatility. The Sunset District, for example, has seen homes sell in as little as two weeks, indicating a persistent need for more reasonably priced real estate in established residential areas (New York Post, 2024).

Following a steep decline in prices in the early post-pandemic years, San Francisco’s upscale real estate market experienced a gradual, albeit partial, rebound in 2024. Although foreign purchasers are still present, they are now more selective and frequently focus on the most affluent areas, such as Pacific Heights. Notwithstanding the difficulties, San Francisco’s real estate market remains strong due to its widespread appeal, the charm of its famous neighbourhoods, and its status as a top travel destination for the world’s wealthiest individuals.

This complex picture reveals a nuanced recovery, with specific market segments experiencing significant growth, while others continue to face challenges, primarily due to rising mortgage rates and shifting buyer expectations. However, supported by global interest and the continuous demand for premium real estate, the city’s luxury real estate market is poised to continue developing.

Many Mega Homes Sold

Laurene Powell Jobs
Laurene Powell Jobs. Image: Ford Foundation.

In reality, some of the highest prices ever recorded in the city have occurred in San Francisco’s luxury real estate market in 2024. Leading the group was 2840 Broadway, a home sold to Laurene Powell Jobs, the widow of Steve Jobs, a co-founder of Apple, for an incredible US$71 million. This spacious 17,286-square-foot estate in Pacific Heights, part of the famous Billionaires’ Row, features seven bedrooms and nine bathrooms. The house was the most expensive sale in San Francisco’s history due to its large layout, historic beauty, and ideal location.

2799 Broadway mansion
The regal European-style mansion is located at 2799 Broadway, San Francisco. Image: SF Gate.

2799 Broadway, which brought in US$29.15 million, came in second. This magnificent residence in Pacific Heights boasts expansive views of the Golden Gate Bridge and an impressive 11,635 square feet of living space. It epitomises luxury living with features such as a wine cellar, a rooftop jacuzzi, and a cutting-edge home automation system. The house also has a well-equipped gym and a private garden.

290 Sea Cliff Avenue
Stunning waterfront views from 290 Sea Cliff Avenue. Image: Jackson Fuller Real Estate.

The beautiful Spanish Revival estate at 290 Sea Cliff Avenue sold for US$26 million, making it the third most expensive sale of the year. This property, situated in the upscale Sea Cliff area, offers expansive ocean views, including the Golden Gate Bridge. Radiant heating, a wine refrigerator, and a renovated kitchen are just a few of the home’s numerous upgrades that complement its traditional architectural style.

3630 Jackson Street
The stately mansion is located at 3630 Jackson Street, San Francisco. Image: Neal Ward Properties.

3630 Jackson St. was another significant transaction, selling for US$24 million. This six-bedroom home near the famous Presidio is renowned for its spacious design, luxurious finishes, and convenient access to upscale amenities. A nearby pickleball court also caused some debate, but the home still attracted selective bidders.

 2350 Broadway
The 2350 Broadway home is situated on a slope. Image: Compass Real Estate.

Lastly, another property in Pacific Heights, 2350 Broadway, sold for US$23.8 million. This contemporary home is a highly sought-after residence in San Francisco’s most prestigious districts, boasting expansive, open areas, panoramic bay views, and top-notch craftsmanship. These sales demonstrate the ongoing demand for upscale real estate in the city’s most esteemed neighbourhoods.

Real Estate Shaped By Market Forces

The luxury real estate market in San Francisco has undergone significant changes due to shifting consumer habits, evolving economic patterns, and guidance from leading industry experts. The views and tactics of professionals such as Joel Goodrich, Mark McLaughlin, and Neal Ward offer insightful information about the current state of the city’s luxury real estate market.

Market Dynamics and Trends

Neal Ward of Neal Ward Properties. Image: Neal Ward Properties.

Despite broader economic shifts, San Francisco’s luxury market has remained resilient recently. High-end houses, for instance, were comparatively less affected by the pandemic compared to other market segments, and buyers continued to pursue premium sites in communities like Pacific Heights and Nob Hill. Neal Ward of Compass claims, “San Francisco’s iconic status and limited inventory contribute to the city’s continued high demand for luxury homes” (The Leading 100).

Joel Goodrich
Joel Goodrich. Image: JoelGoodrich.com

Joel Goodrich, another leading luxury realtor, notes that the city’s luxury market is also driven by tech professionals, venture investors, and foreign purchasers who remain unfazed by brief market slowdowns. According to Goodrich’s views of recent transactions, “We see a steady influx of buyers seeking legacy properties, where location and craftsmanship matter most.” He notes that luxury homes with contemporary features and green building certifications have been in high demand, suggesting that even affluent buyers are becoming increasingly environmentally conscious (WSJ).

The Role of Mark McLaughlin and Compass

Mark McLaughlin
Mark McLaughlin. Image: Housing Wire.

Mark McLaughlin, the former president of Compass California, significantly influences the development of the city’s luxury sector. Under his direction, Compass became one of San Francisco’s top real estate companies, especially in the upscale market. His emphasis on fusing technology and luxury real estate has kept his company competitive while offering wealthy clients a smooth experience. “The development of technology in real estate has made the purchase and sale of luxury properties more efficient and tailored to the needs of buyers and sellers,” claims McLaughlin (Forbes).

Current Market Outlook

With some of the most significant sales in recent years, San Francisco’s luxury market is poised to continue drawing attention. Laurene Powell Jobs’s US$70 million purchase of a historic Pacific Heights mansion in 2024 (The Wall Street Journal) exemplifies the continued desire for San Francisco’s most prestigious homes.

Leading agents such as Neal Ward say the city’s luxury market remains robust despite sporadic market fluctuations. According to Ward (The Leading 100), “there is still tremendous opportunity for those who understand the value of a prime location and timeless architecture.”

In conclusion, despite its challenges, San Francisco’s luxury real estate market remains a top destination for investors, thanks to wealthy buyers, astute management, and persistent demand for upscale properties.

For more luxury property reads, click here.

The post San Francisco’s Upbeat Property Market and Outlook appeared first on LUXUO.

How Family Office Advisory Services Help With Multi-Generational Wealth

April 1, 2025 Ogghy Filed Under: Luxury Lifestyle

Family office advisory provides a way to maintain and grow wealth across generations. Such services offer tailored solutions that cater to the unique requirements of high-net-worth families, so they can help ensure security and continuity of wealth for future generations.

What Do Family Office Advisory Services Mean?

Family office advisory services offer a comprehensive method of managing family wealth and financial planning. These professionals help ultra-high-net-worth families navigate complex matters such as wealth structuring, tax strategy, investment portfolio management, and identifying exclusive private investment opportunities. Unlike conventional financial advisors, these services take a holistic approach and tailor their services based on family-specific goals. Considering elements such as family structure and objectives, family office advisory services develop custom strategies to help mitigate risks and preserve wealth.

Why Wealth Planning Across Generations is Important

Multi-generational wealth planning means securing the future while celebrating the past. This helps ensure that wealth is shared equally between family members, with less possibility of conflicts arising. With the right plan in place, families can protect their legacies, enjoy the lifestyles they want, and fund their charitable objectives. A well-structured plan helps prevent wealth erosion over time by addressing issues such as succession planning, inheritance tax, liquidity, and asset protection.

Tailored Investment Strategies

Investment strategies are an essential part of wealth preservation. Family office advisory services customize an investment strategy according to a family’s risk appetite and financial targets. The strategies are usually a diversified portfolio with a fairly balanced approach to risk and return. Advisors apply their expertise to recognize investment opportunities that yield profits and counter risks, thus ensuring the sustainable growth of a family’s assets.

Asset Protection with Tax Efficiency

Wealth preservation involves keeping taxes to a minimum and protecting assets. Family office advisory services help you manage your finances and find relevant information about tax efficiency, trust formation, international money transfers, or charitable donations. These measures may reduce a taxpayer’s tax burden while facilitating philanthropy. Asset protection strategies protect your wealth from future dangers, such as lawsuits or financial ruin. Using legal structures and insurance products, families can protect their assets today for future generations.

Governance and Succession Planning

Succession planning is important to ensure the family stays together and values continuity. Family office advisory services help create governance frameworks to define decision-making processes and roles in the family. These mechanisms ensure transparency and accountability, thereby reducing the scope for disputes. To keep the legacy in the family, free succession planning will ensure you can smoothly pass the baton of control to your trusted ones.

Philanthropic Efforts and Social Contribution

Wealth management is not just about making money; it is also about making an impact. Wealthy families donate significant amounts of money to charities. Advisory services help families identify philanthropic objectives and approaches tailored to making an impact with their giving. Such services align philanthropy with family values to leave a continuing legacy, not just in the monetary form.

Education and Financial Literacy

Educating the younger generation is the foundation of prosperity and wealth sustainability. Financial literacy and responsibility are often key subjects handled by family office advisory services. Such programs prepare family members to handle wealth wisely. The practice of promoting financial literacy to families prepares the next generation to manage the family’s financial legacy.

Importance of Technology in Wealth Management

Technology has become more entwined with the fabric of wealth management. Financial planning and wealth management use high-end tools and software to simplify decision-making processes and enhance decision-making effectiveness. Such technologies offer families insights into financials in real-time, allowing them to make informed decisions. Advisory services understand the changing financial landscape, which can be attributed to their focus on innovation.

Creating a Heritage to Leave Behind

Building a legacy is not just about making money. It involves leaving behind a family name and heritage, which requires significant planning and structured execution. Family office advisory services help define family goals and provide an integrated wealth management plan to help deliver on that vision. This technique helps ensure wealth is not only maintained but also used as a force for good. Successful families think in the long term and, as a result, leave behind a legacy that spans generations.

Should You Use a Family Office?

Family office advisory services offer a strategic approach to managing generational wealth. Such services protect financial stability and preserve family legacies by providing tailored solutions to address the unique needs of UHNW families. These services are essential in preserving wealth and creating a positive social impact. They handle everything from investment strategies to succession planning. They are designed to empower families to honor their financial legacy, uphold their traditions, and build a future that embraces the past through education and technology.

For more on the latest in business reads, click here.  

The post How Family Office Advisory Services Help With Multi-Generational Wealth appeared first on LUXUO.

One of the Best Smart Lamps I’ve Found is 27% Off for the Last Day of Amazon’s Spring Sale

March 31, 2025 Ogghy Filed Under: CNET How To, SUCCESS

Just a few hours are left to score a deep discount on the Govee Lamp 2, making this colorful floor lamp even more enticing.

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