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Tara Duggan is a Project Management Professional (PMP) specializing in knowledge management and instructional design. For over 25 years she has developed quality training materials for a variety of products and services supporting such companies as Digital Equipment Corporation, Compaq and HP. Her freelance work is published on various websites.

Sun, 16 Aug 2020 21:47:00 -0500 en-US text/html
Killexams : HP Board 10th result 2021 live updates: HPBOSE 10th result declared, direct link

Himachal board 10th results: 10,015 students get 90-100 marks

This year 1,16,784 students had appeared in the exam out of which 10015 students have obtained 90-100 marks. In 2019, 2798 students obtained 90-100 marks, while in 2020, 3098 candidates got 90-100 marks.

Sun, 31 Jul 2022 00:57:00 -0500 en text/html
Killexams : Free Student Laptop Programs And Technology Discounts For College

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

As work and school have pivoted to remote environments in the last couple years, computer sales have soared to record highs. Laptops and mobile technology have become even more necessary in today’s households, offices and classrooms.

But for college students, new laptops often come at steep, unaffordable prices. Fortunately, there are ways to get a free laptop for college. Through scholarship opportunities, charitable donation programs and college student discount deals from top brands, tech is becoming more accessible to students.

What Is a Free Laptop Program?

Free laptop programs provide computers at no cost to students. Funded by colleges, educational nonprofits and scholarships from leading tech brands, these programs empower students with reliable tech to ensure academic and professional success.

Keep in mind: Most free laptop programs have specific eligibility requirements, including enrollment in an accredited four-year degree program.

Do Colleges give Students Free Laptops?

Yes. Many colleges distribute free laptops at no cost to their students. The following are just a few examples of universities in the U.S. that ensure free technology to incoming students:

  • Moravian University issues MacBook Pros and iPads to students, including AppleCare coverage and the option to have regular repairs and service via Moravian’s IT help desk.
  • Full Sail University’s Project Launchbox gives every student a laptop loaded with professional creative software to promote an immersive, hands-on learning experience.
  • Chatham University’s first-year students receive a free, 13-inch MacBook Air laptop with AppleCare and SafeWare protection. They also get protective accessories and the option for on-campus repairs.

As you start applying to schools, check out their IT department websites. These usually outline any free or discounted laptop promotions for new students.

If your college or university doesn’t offer free laptops as a part of enrollment, check out your school’s library. Temporary laptop loans are typically available for students to use on campus. For commuter students who prefer to study off campus, local libraries are also a great option for borrowing free laptops.

Organizations that Provide Free Laptops

If you don’t have access to a laptop through school and you’re experiencing financial challenges, don’t worry. Several nonprofit organizations provide free laptops to students in need on a rolling basis.

The On It Foundation

Since 1999, the On It Foundation has provided free computers to low-income K-12 students in U.S. public schools. The nonprofit collaborates with educational institutions, businesses and local community members to collect and distribute donated computers. The organization also offers technology training and internet access to families.

To apply for a free computer, a parent or guardian should contact the On It Foundation via a letter or an email with a request that includes proof of financial need.

Computers with Causes

Receiving hundreds of requests per day, Computers with Causes gives over 20,000 donated computers annually as a part of the Giving Center Charity. Free computers are available to anyone. However, the organization prioritizes students and teachers, people experiencing housing insecurity, disabled veterans and military families.

Students can apply online and expect to receive confirmation of their free computer within a month.

Scholarships and Grants that Provide Free Laptops

High school students may be eligible for scholarship and grant opportunities that offer free laptops. These programs are often competitive and selective. Some are fairly accessible but require fundraising to cover the costs of technology.

Dell Scholars Program

Each year, the Dell Scholars Program provides high school graduates with a $20,000 educational scholarship, a free laptop, and textbook credits through Chegg—plus professional and personal resources to help navigate life challenges during the college years.

Applications open in October, so if you’re a rising high school senior, you can start submitting materials this fall. To qualify, candidates should have a minimum 2.4 GPA and be Pell Grant eligible. Applicants should also be on track to graduate in the same academic year they apply, and they should plan to enroll in a bachelor’s program immediately after graduation.

Laptops 4 Learning

Founded in 2015, Laptops 4 Learning (L4L) equips students with computer access to help them excel in school and the workplace. The mission-driven nonprofit also supports military veterans, who are also eligible for a laptop.

To obtain a free computer, register for an account on L4L’s website. From there, students should solicit their networks and local communities for donations to cover costs. Once sufficient funds are raised, students receive their free laptops.

Discounted Laptops for College Students

The following nonprofits and online platforms sell refurbished laptops at a discounted rate for students seeking reliable, affordable products. These are great options if you’re looking to save and invest in a device.

PCs for People

This nonprofit organization sells discounted desktop and laptop computers. It also provides a variety of tech services, including computer repair and recycling. With a mission to close the “digital divide”, PCs for People serves low-income families and individuals with disabilities.

Starting at $145 for a laptop, PCs for People currently offers brands like HP, Dell and Lenovo.

Dell Refurbished

Dell Refurbished sells an array of refurbished Latitude models at a discount. Offering thorough computer inspections plus “cosmetic grades” to ensure top-notch quality, bargain shoppers can snag a like-new laptop starting around $400.

Notebooks for Students

Originally founded by college students in California, Notebooks for Students (NFS) works with tech brands to provide refurbished, discounted laptops to students of all ages.

The organization’s homepage offers an extensive lineup of laptops categorized by school grade level and high-performance laptops. NFS offers both Mac and PC products, and prices start around $200.

Unlike most refurbished laptop sellers, NFS includes a free four-year warranty with the purchase of a laptop. This warranty includes full tech support to troubleshoot hardware repair, software installation and file recovery.


An e-commerce platform, ConnectAll aims to provide affordable, refurbished laptops and desktops to nonprofits and low-income individuals.

The organization’s laptop inventory is sortable by form factor, storage capacity, memory and operating system. With options for Mac and PC, prices range from about $100 to $1,000. This includes free shipping, a one-year extended warranty and pre-installed Microsoft Windows and Office software.

College Student Technology Discounts and Deals

If you’re set on purchasing a brand-new device, many trusted tech brands offer annual educational discounts that cater to college students. Some of these laptop offers include bundled add-ons like gift cards and pre-installed software.

Dell Student Discount

Dell’s student discount specials include savings of up to $200 on new models like the Inspiron 14. Dell offers a no-interest payment plan in their education pricing. The company also includes the option to install Microsoft Office software like Word, Excel and PowerPoint.

Microsoft Student Discount

Microsoft offers up to a 10% discount on select products for students, teachers, parents and the military. To access this discount, check your eligibility by logging in to your Microsoft account when prompted. From there, start shopping and the best price will appear as you browse.

Free access to Office 365 is also included when purchasing with a student discount. Note that this discount cannot be combined with other offers.

Apple Education Pricing

Apple is known for its educational discounts for students and parents, faculty and staff and even homeschool teachers. Shopping with a Verified email address and institutional affiliation can save students up to $100 on Apple products including iMac, MacBook Pro, Macbook Air and iPads.

Education pricing also includes an Apple gift card (up to $150 in value) when purchasing select items.

Samsung Education Offer Program

Through Samsung’s Education Offer Program, students can purchase a brand-new Galaxy Chromebook at a fraction of the retail cost, saving up to $575. Samsung’s back-to-school bargains are not limited to laptop deals. Students and educators can shop for tablets, phones, watches, audio accessories and more.

Sun, 31 Jul 2022 22:26:00 -0500 Ian Callahan en-US text/html
Killexams : Do you know the things Medicare doesn’t cover, and will you be able to afford them?

By the time you turn 65, you probably have a good feel for what health insurance does and doesn’t cover. But Medicare is a different beast — and there are some surprising things that don’t fall under Medicare’s umbrella.

Medicare is the federal government’s health insurance coverage for people age 65 and older, and other people living with disabilities and certain chronic conditions. Here are seven things Medicare doesn’t cover:

1. Deductibles and coinsurance

If you opt for Original Medicare, both Medicare Part A (hospital insurance) and Part B (medical insurance) require out-of-pocket spending in the form of deductibles and coinsurance. If you have medical needs, this can get pricey, and there’s no out-of-pocket cap on Original Medicare spending.

“Many people on traditional Medicare get a Medigap plan to help cover those costs and make their out-of-pocket costs more predictable,” says Gretchen Jacobson, vice president of Medicare for The Commonwealth Fund, a private foundation with the mission of promoting a high-performing health care system.

If you enroll in a Medicare Advantage plan, which is offered by private insurance companies that contract with the federal government, you’ll also be responsible for any deductibles, copays or coinsurance required when you seek health care. Although there’s an out-of-pocket maximum for Medicare Advantage, that limit can be as high as $7,550 in 2022.

Read: Will the real Medicare Advantage please stand up?

2. Routine dental care

Although Medicare Part A covers some dental services you may get as part of a hospital stay, basic dental care like cleanings, X-rays and fillings aren’t covered. If you want coverage, you’ll have to purchase a separate dental policy.

You may be able to get some coverage by purchasing a Medicare Advantage plan with dental benefits. “But those benefits can be limited, or Medicare Advantage plans can ask you to pay extra for those benefits,” says Lina Walker, vice president of health security for AARP’s Public Policy Institute.

Don’t miss: I’m 65 and know I need to exercise more — but I hate it. Here’s what I’m trying to turn it around.

3. Eye exams

Medicare doesn’t cover eye exams for glasses or contacts, or the eyeglasses or contacts themselves. Medicare Part B does cover one pair of glasses or contacts if you have cataract surgery. (After the Part B deductible of $233 in 2022, you’ll pay 20% of costs.)

4. Hearing aids

Medicare also doesn’t cover hearing aids or the exams required for hearing aids. While there’s some language in the Build Back Better Act to add hearing aid coverage to Medicare, the act hasn’t made it through Congress. Medicare does cover diagnostic hearing exams if your doctor thinks you need them.

5. Prescription drugs

Original Medicare Parts A and B don’t offer coverage for prescription drugs. If you want prescription drug coverage, you must buy a Medicare Part D plan from a private insurance company or get prescription drug coverage from a Medicare Advantage plan that includes it.

Medicare drug coverage is optional, but if you choose to skip it and you don’t have other creditable drug coverage, you’ll pay a late enrollment penalty if you decide to enroll at a future time. You’ll pay this penalty for as long as you have Medicare drug coverage, so it’s worthwhile to make sure you get and keep qualified coverage once you’re eligible.

Read: How can you keep up with the cost of prescriptions? Here are some ways to save.

6. Long-term care

A person turning 65 today has about a 7-in-10 chance of needing long-term care at some point in the future, according to the Department of Health and Human Services, and it can be a big expense. But Medicare doesn’t cover long-term care if it’s the only care you need.

“This is an area where there might be some confusion, because people have heard that Medicare covers nursing services,” Walker says. Medicare does cover skilled nursing facility care if your doctor recommends it after a qualifying three-day inpatient hospital stay. In these circumstances, Medicare covers the first 100 days of care along with a daily coinsurance charge. After that, you’re responsible for all costs.

Also on MarketWatch: Here’s how much the average working boomer has saved for retirement

Medicare Advantage plans may offer some additional limited benefits. “Some Medicare Advantage plans are providing in-home help, but it’s pretty limited coverage at this point, and relatively few plans are providing that,” Jacobson says.

7. Overseas health care

If you’re outside of the U.S. and certain U.S. territories, Medicare doesn’t cover health care or supplies except in some very specific circumstances. (For instance, if you’re passing through Canada between Alaska and another state when you have a medical emergency, and a Canadian hospital is closer than a U.S. hospital, Medicare may cover your care.) Otherwise, you’ll need to find supplemental coverage for travel or purchase insurance in the country you’re living in.

Check out: This Ecuadorean city in the Andes has perfect weather – and you can retire there for as little as $1,500 a month

This is a key point if you’re planning to move out of the country. If you ever change your mind and want to return to the U.S. and re-enroll in Medicare, you may be subject to Part B penalties. “It’s important, before they move, that they find out what the implications will be for them if they were to give up Medicare,” Walker says.

More From NerdWallet

Kate Ashford writes for NerdWallet. Email: Twitter: @kateashford.

Sat, 02 Jul 2022 00:55:00 -0500 en-US text/html
Killexams : Top HP laptops you need to explore Killexams : Top HP laptops you need to explore

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HP is considered one of the top laptop brands. Renowned worldwide, HP has released some of the best top-ranking laptops in the last years.

product info

Laptops are essential to our daily lives and HP is a trusted brand.

It is difficult to function without a laptop nowadays since most of our work takes place online. If you are looking for a laptop, HP has some of the best models that can Strengthen the way you work. Being one of the most sought-after laptop brands, HP ensures quality and affordability with top-notch features. There are several models that HP offers. If you are wondering which one is the best for you, we have got you covered. Below is a list of the best HP laptops you need to explore.

1. HP Pavilion 15 Laptop

HP Pavilion 15 offers its users exceptional performance with a screen size of 156 inches. The laptop is powered by 11th Gen Intel Core i5 with a RAM of 8 GB. Consequently, you get enhanced performance and efficiency. Its high-quality screen display prevents blurred images and delays between actions. With a Type-C SuperSpeed USB port, you also get high-speed data transfer. Other features like Dual Array digital speakers and multitouch gestures are just the cherry on top.

Product Specifications

Screen size: 15.6 inches

Operating system: Windows 11 Home

Warranty: 1 year

RAM installed size: 8 GB

Special feature: Anti-glare screen, Micro-edge display

Graphics card: Integrated

Pros Cons
High-resolution display and anti-glare screen A bit heavy
Sleek and shiny silver exterior  
5.2 enabled Wi-Fi and Bluetooth connectivity options  
SSD internal storage of 512 GB  
Dual Array digital speakers and BBO dual speakers  

HP Pavilion 15 11th Gen Intel Core i5-8GB RAM/512GB SSD 15.6 inch(39.6 cm)Laptop, FHD Anti-Glare Display/ Intel Iris Xe Graphics/Backlit KB/B&O Audio/Windows 11/ 1.75kg, 15-eg1000TU

20% off 62,500 78,000

2. Victus by HP Ryzen 5 5600H 16.1-inch(40.9 cm) FHD Gaming Laptop

Looking for a laptop that’s both efficient with work and gaming? Then, the Victus by HP Ryzen 5 5600H is the perfect choice for you. With an anti-glare IPS and 16.1-inch display, the laptop provides a perfectly clear display. The laptop has an NVIDIA GeForce RTX 3050 graphic card that gamers will love. To prevent overheating, the laptop also offers an enhanced thermal solution. So, you can work and play games without any worries!

Product Specifications

  • Screen size: 16.1 inches
  • Operating system: Windows 10
  • Warranty: 1 year
  • RAM installed size: 8 GB
  • Special feature: Micro-edge display
  • Graphics card: Dedicated
Pros Cons
Offers 16.1-inch full HD display Build quality could have been enhanced
Built-in 8 GB internal RAM Low refresh rate
Comes with AMD Ryzen 5 5600H processor  
Provides 1920 x 1080 pixels resolutions  

HP Victus AMD Ryzen 5 5600H 16.1 inches(40cm) FHD Gaming Laptop (8GB RAM/512GB SSD/4GB RTX 3050 Graphics/Flicker Free Display/Windows 10 Home/MS Office/Mica Silver/2.48 Kg), 16-e0076AX, Black

3. HP 15 (2021) Thin & Light Ryzen 3-3250 Laptop

A thin, lightweight, and well-built option is the HP 15 (2021) Ryzen 3-3250 laptop. The 15.6-inch screen with an FHD display provides the user with a bright and elevated screen experience. Backed by both 8 GB RAM and 245 GB SSD, the laptop provides plenty of storage and data safety. To help you glide through your workdays smoothly, the laptop comes with a 3250U processor. Along with that, the AMD Radeon Vega 6 graphics only add to the user experience.

Product Specifications

  • Screen size: 15.6 inches
  • Operating system: Windows 10 Home
  • CPU model: Ryzen 3
  • RAM installed size: 8 GB
  • Special feature: Anti-reflective screen
  • Graphics card: Integrated
Pros Cons
Easy to carry and light Sometimes hangs while operating
Offers 8 GB RAM and 256 GB SSD storage Not suitable for gamers
FHD anti-glare display  
Built-in latest AMD Ryzen 3 processor  

HP 15- AMD Ryzen 3-3250U 15.6 inch(39.6 cm) FHD,Micro-Edge, Thin & Light Laptop (8 GB RAM/1TB HDD + 256GB SSD/ AMD Radeon™ Graphics/ Win11/MS Office/1.74 kg (15s-gr0012AU)

21% off 37,990 48,294

4. HP Pavilion (2021) Thin & Light 11th Gen Core i5 Laptop

Offering a 14-inch screen with a sleek exterior, HP Pavilion is one of the best HP laptops you can get. This laptop runs on an 11th Gen Intel Core i5-1135g7 processor, providing the user with distinct multimedia capabilities. Equipped with an Intel Iris Xe graphic processor, the laptop is efficient for gamers as well. For the fastest performance, the laptop comes with 16 GB RAM and 512 GB storage space.

Product Specifications

  • Screen size: 14 inches
  • Operating system: Windows 10 Home
  • CPU model: Core i5 family
  • RAM installed size: 16 GB
  • Special feature: Anti-reflective
  • Graphics card: Integrated
Pros Cons
Sleek and stylish display Relatively smaller screen size
Lightweight Display could have been better
Long battery life  
Built-in fingerprint reader  
Several multimedia capabilities (11th Gen Intel Core i5-1135g7)  

Hp Pavilion 14 Intel 11Th Gen Core I5 14 Inches (35.6 cm) Laptop (16Gb Ram/512Gb Ssd, Fhd Micro-Edge Anti-Glare Display/Iris X Graphics/Backlit Kb/B&O Audio/Fpr/Windows 11 Ready/1.41Kg, 14-Dv0054Tu)

9% off 71,650 78,999

5. HP 250 G8 Laptop

The HP G8 is a convenient and portable laptop backed by 8 GB Ram and 512 GB SSD storage space. The Intel HD graphics provided by the laptop ensures a smooth and hassle-free gaming experience. With 5-hour-long battery life, you can work on the laptop without any worries. This laptop also comes with a 720p HD camera for a high-quality video-calling experience. Lastly, its 11th Gen Intel Core i3-1115G4 processor promises its users the best performance.

Product Specifications

  • Screen size: 15.6 inches
  • Operating system: Windows 10
  • CPU model: Core i3
  • RAM installed size: 8 GB
  • Special feature: Lightweight, thin
  • Graphics card: Integrated
Pros Cons
Portable and lightweight Graphics could have been better
Sleek design  
Built-in 720p HD camera  
Internal 8 GB RAM and 512 GB SSD  
5-hour-long battery life  
Smooth gaming experience  

HP 250 G8 Laptop (11th Gen Intel Core i3-1115G4/8GB DDR4 Ram / 512GB SSD/Windows 10/39.62 cm (15.6 inch) HD/Intel UHD Graphics) 42V68PA (Dark Ash Silver, 1.74 kg)

21% off 36,690 46,601

6. HP 14 11th Gen Intel Core i5 Processor 14-inch (35.6 cm) HD Laptop

Looking for a compact and easily portable laptop? Then, the HP 14 11th Gen might be the right choice for you. The laptop is lightweight and easy on the eyes because of its micro-edge display. Equipped with an 11th Gen Intel Core i5 processor, the laptop keeps up with your fast-paced work needs. The best part is that this laptop comes with a pre-installed Microsoft Office Home & Student 2019. Along with that, you get a built-in Alexa.

Product Specifications

  • Screen size: 14 inches
  • Operating system: Windows 10 Home
  • CPU model: Core i5
  • RAM installed size: 8 GB
  • Special feature: Anti-reflective
  • Graphics card: Integrated
Pros Cons
Sturdy design Comparatively smaller screen size
Provides an in-built Alexa Hangs while operating
Offers pre-installed Microsoft Office Home & Student 2019 Can get heated sometimes
Backed by 8 GB RAM and 512 GB SSD storage  

HP 14 11th Gen Intel Core i5 Processor 14 inches HD Laptop, 8GB/512GB SSD/Windows 10/MS Office (Natural Silver/1.46Kg), 14s-dq2535TU

25% off 58,950 79,000

7. HP 15, 11th Gen Intel Core i5

The HP 15 11th Gen Core is built to ensure productivity because of its long-lasting battery life. Its micro-edge bezel display and sleek look make it both portable and stylish. The performance of its Intel processor allows its users to work efficiently for longer hours. Its extensive display and anti-glare screen offer an amazing display that is hard to match. The integrated precision touchpad only adds to the overall benefits of the laptop.

Product Specifications

  • Screen size: 15.6 inches
  • Operating system: Windows 11 Home
  • CPU model: Core i5 family
  • RAM installed size: 16 GB
  • Special feature: Anti-glare screen
  • Graphics card: Integrated
 Pros Cons
 Provides built-in Alexa No internal slot for an internal HDD
 Comes with Intel Iris Xe Graphics No fingerprint reader
 Offer anti-glare screen  
Fast performance with Intel Turbo Boost technology   

HP 15, 11th Gen Intel Core i5-8GB RAM/512GB SSD 15.6 inches(39cm) Laptop, FHD, IPS, Micro-Edge, Anti-Glare Display/Intel Iris Xe Graphics/Alexa Built- in/Windows 11 Home/1.75kg, 15s-du3517TU

6% off 58,000 62,000

8. HP 14 Ryzen 5 5500U 14-inch (35.6 cm) FHD Laptop

The HP Ryzen 5 5500U comes in a sturdy and stylish design with a 14-inch screen. The screen has an FHD anti-glare, micro-edge display that provides a high-class screen experience. With the built-in 8 GB DDR-3200 RAM, which can be upgraded to 16 GB, you can safely keep your data on this laptop. Along with that, you also get 512 GB of SSD storage. The laptop is backed by an AMD Radeon graphics card to enhance the gaming experience.

Product Specifications

  • Screen size: 14 inches
  • Operating system: Windows 10 Home
  • CPU model: Ryzen 5
  • RAM installed size: 8 GB
  • Special feature: Anti-reflective
  • Graphics card: Integrated
Pros Cons
Can be easily carried; travel-friendly Relatively smaller screen size
Powered by Windows 10 Home  
Comes with internal 8 GB RAM and 512 GB SSD storage  
Internal RAM can be upgraded to 16 GB  

HP 14 Ryzen 5 5500U 14-inch(35.6 cm) FHD Laptop with Alexa Built-in(8GB/512GB SSD/Windows 10/MS Office/Natural Silver/1.46Kg), 14s-fq1030AU

13% off 51,000 58,657

Price of HP laptops at a glance:

 Product Name Product Price 
 HP Pavilion 15 Laptop Rs. 59,490
 Victus by HP Ryzen 5 5600H 16.1-inch(40.9 cm) FHD Gaming Laptop Rs. 74,990
 HP 15 (2021) Thin & Light Ryzen 3-3250 Laptop Rs. 38,999
 HP Pavilion (2021) Thin & Light 11th Gen Core i5 Laptop Rs. 69,410 
 HP 250 G8 Laptop Rs. 39,990
 HP 14 11th Gen Intel Core i5 Processor 14-inch (35.6 cm) HD Laptop Rs. 57,556
 HP 14 Ryzen 5 5500U 14-inch (35.6 cm) FHD Laptop Rs. 52,990
 HP 15, 11th Gen Intel Core i5-8GB Rs. 51,390 

Best value for money

Looking for an HP laptop with the best return on investment? We suggest checking out HP 15 (2021) Thin & Light Ryzen 3-3250 laptop. The HP 15 is a well-built laptop with a 15.6-inch display. It checks all the boxes when it comes to affordability, reliability, and portability.

Best overall

Our best pick from the HP laptops listed above is the Victus by HP Ryzen 5 5600H 16.1-inch (40.9 cm) FHD Gaming laptop. The laptop performs the best as it is backed by an AMD Ryzen 5 5600H. Moreover, it offers 8 GB RAM, expandable up to 16 GB, and 512 GB of internal storage space to its users. The best part is that it works well for both gamers and working professionals. The laptop has an NVIDIA GeForce RTX 3050 graphic card for an enhanced gaming experience. What’s more, it provides an enhanced thermal solution to prevent overheating.

How to find the perfect HP laptop?

Looking for the perfect laptop does not have to be a tiring process. To make it easier, all you need to do is consider certain features. Below is a list of these features to help you:

  • Size: Consider if portability is a significant factor for you. If yes, you should go for a lightweight laptop with a screen size of 13-14 inches.
  • CPU: CPU is essentially responsible for how efficient your laptop is. Therefore, we recommend going for a dual-core processor.
  • RAM: For basic tasks, 4 GB RAM would suffice. However, if you are a video editor or gamer, you should go for an 8 GB or 16 GB RAM laptop.
  • Screen Quality: It’s important to go for a screen that is comfortable to look at. So, it is recommended you go for a 1920 x 1080-pixel resolution and full HD screen.
  • Storage: 1 TB of storage would be sufficient if you are looking to store only large text files and photos. However, you would need more storage space if you need to store movies, games, music files, and other such large files on your laptop.

3 best features:

 Product Feature 1  Feature2  Feature 3 
 HP Pavilion 15 Laptop 11th Gen Intel Core i5 and 4.2 GHz Intel Turbo Boost technology DDR4 RAM of 8 GB, can be expanded up to 16 GB Type-C SuperSpeed USB port
 Victus by HP Ryzen 5 5600H 16.1-inch(40.9 cm) FHD Gaming Laptop  16.1-inch screen display with anti-glare IPS, mirco-edge bezel display  AMD Ryzen 5 5600H processor  NVIDIA GeForce RTX 3050 graphic card
 HP 15 (2021) Thin & Light Ryzen 3-3250 Laptop  AMD Ryzen 3 3250 H processor  Windows 10 Home operating system  Backed by 8 GB internal RAM
 HP Pavilion (2021) Thin & Light 11th Gen Core i5 Laptop  IPS, FHD micro-edge display screen Intel Iris XE graphic processor  Long battery life
 HP 250 G8 Laptop  15.6-inch display screen  11th Gen Intel Core i3-1115G4 processor  720p HD camera
 HP 14 11th Gen Intel Core i5 Processor 14-inch (35.6 cm) HD Laptop  HD anti-glare, micro-edge display  11th Gen Intel Core i5 processor Intel Turbo Boost Technology
 HP 15, 11th Gen Intel Core i5-8GB RAM/512GB SSD 15.6-inch(39.6 cm) Laptop  6.5 mm micro-edge bezel display  Built-in Alexa  Intel iris Xe Graphics
 HP 14 Ryzen 5 5500U 14-inch (35.6 cm) FHD Laptop  8 GB DDR-3200 RAM upgradeable up to 16 GB and 512 GB SSD storage  AMD Ryzen 5 5500U processor  Pre-installed Microsoft Office Home & Student 2019

Frequently Asked Questions

Below are the answers to some of the most frequently asked questions.

1. Why are HP laptops considered the best?

HP laptops have a large user base all around the globe because of the advantages they offer to their users. HP provides affordability, portability, long battery life, safety, and other features that make HP laptops the best.

2. Which HP laptop is best suited for home use?

The HP 250 G8 is the best-suited laptop for home use. The Intel HD graphics and 5-hour-long battery life offer convenience like no other to the user. Moreover, it also has a 720p HD camera for FaceTime.

3. Do HP laptops have a long lifespan?

The average lifespan of HP laptops usually falls between 5 and 6 years. However, the lifespan also depends upon how well you take care of your laptop. So, make sure you take proper care of your system to make it last longer.

4. Which HP laptop is the best for gamers?

The HP Ryzen 5 5600H with a 16.1-inch display is the best laptop for gamers. It comes with an NVIDIA GeForce RTX 3050 graphic card for smooth gaming. The laptop also has an enhanced thermal solution to tackle overheating.

5. How to buy an affordable HP laptop with the best features?

If you are looking to buy an affordable HP laptop with the best features. List down all the features that are your top priority. Then, compare different HP laptops. We suggest checking out the HP 15 (2021) Thin & Light Ryzen 3-3250 laptop.

At Hindustan Times, we help you stay up-to-date with the latest trends and products. Hindustan Times has affiliate partnership, so we may get a part of the revenue when you make a purchase.


Thu, 21 Jul 2022 04:49:00 -0500 text/html Killexams : The best laptops under $1,000: Best overall, best for students, and more

Each year, laptops Strengthen across the board—between technology advances and competitive pressures, the hardware inside offers better performance in ever greater leaps and bounds.

That means you don’t need to drop a ton of cash on a premium model to get a solid laptop. Whether you’re talking about a traditional Windows clamshell or a fully loaded Chromebook, spending between $600 and $1,000 can get you a laptop you’ll enjoy using. Moreover, its battery will last the length of the work or school day without trouble.

Enough options exist now that finding the right model for you can take some time, so we’ve highlighted our top picks to make the hunt fast and easy. Read on to find your match. (To find laptop recommendations that span all price ranges, see our comprehensive guide to the best laptops).

If you’re on the hunt for a new laptop to help you ace those next semester exams, look no further. Our curated list of back-to-school deals shows you the best sales on Chromebooks, MacBooks, iPads, and more.

Updated 07/27/2022 Looking for a budget-friendly laptop from Microsoft? Check out our latest review of the Microsoft Surface Laptop Go 2. It didn’t make the cut on the highly competitive list below, but it is still a reliably solid option at an affordable price.

Also, if you’re interested in the Acer Aspire 5, be sure to take a look at our review of the latest Acer Aspire 5 (2022) model to see how it stands up to the previous version—which is our pick for best laptop under $500.

Lenovo IdeaPad Slim 7 Carbon – Best overall under $1,000


  • 2.8K OLED display is gorgeous
  • Booming audio
  • Quiet operation
  • Strong application and multimedia performance


  • So-so keyboard
  • Lid is so thin it flexes a bit too much
  • Below-average battery life

From zippy multimedia performance to punchy audio, the Lenovo IdeaPad Slim 7 Carbon has a lot to offer at a reasonable price point. The real star of the show is the 14-inch 2880×1800 OLED display. According to the reviewer, “the contrast is outstanding, with the deepest blacks and brightest whites.” As for colors, they’re “accurate and noticeably vibrant.” The screen is a perfect fit for creative professionals who do a lot of photo editing. In addition to its stunning panel, the laptop also weighs just a little over 2 pounds, making it a capable travel laptop. There are a few minor shortcomings, though. The keyboard isn’t the best and battery life is less than stellar. But in the end, the pros really outweigh the cons here.

Read our full Lenovo IdeaPad Slim 7 Carbon review

Acer Aspire 5 – Best under $500


  • Affordable price
  • Rugged build
  • Great keyboard
  • Good selection of ports


  • Subpar webcam
  • Annoying bloatware comes pre-installed
  • Touchpad is a little hard to us

MSRP: $369 (base model) $499 (as reviewed)

With its affordable price point, decent performance, and robust build, the Acer Aspire 5 is an excellent sub-$500 option. Our tester was surprised by its “solid, durable feel.” Although it lacks backlighting, the keyboard is quite nice. It has a spacious layout, which is perfect for longer typing sessions. Performance is fast enough for general-use tasks like writing emails and browsing the web, but that’s about it. If you’re shopping around for a solid everyday laptop that won’t break the bank, the Aspire 5 is definitely worth a look.

Read our full Acer Aspire 5 review

Lenovo Chromebook Flex 5 – Best Chromebook


  • Attractive design
  • Affordable
  • Punchy audio
  • Excellent keyboard


  • Mediocre performance
  • Subpar battery life

The Lenovo Chromebook Flex 5 is a good mid-range Chromebook. It’s fast enough for web browsing, editing documents, and so on. That said, it can “feel taxed by demanding tasks.” When our tester opened up multiple tabs, he noticed a sag in performance. The port selection, however, is nice combination of old and new. It has two USB-C ports, a single USB-A port, a 3.5mm combo audio jack, and a microSD card reader. As for the keyboard, our tester liked the “crisp and taut” feel of the keys. Although this laptop is a 2-in-1—meaning the screen can fold back to make it function more like a tablet—it weighs about 3 pounds, which is on the heavier side for a convertible laptop. It may not be the most portable laptop in the world, but that flexibility can still be nice for applications that favor a tablet form factor.

Read our full Lenovo Chromebook Flex 5 review

HP Chromebook x2 11 da0023dx – Best folio-style Chromebook


  • Gorgeous 2K touchscreen
  • Solid performance
  • Excellent battery life
  • Robust design


  • Trackpad is too sensitive at times
  • Light on ports

Ah, folio-style laptops. While some may find the detachable-keyboard design a pain to deal with, our reviewer really liked this one. The HP Chromebook x2 11 is one of the best 2-in-1 laptops you can buy. The tablet’s aluminum chassis feels rugged and like it’ll last quite a while. The detachable keyboard took some getting used to, but ended up being fine for long typing sessions. The rear plate, which transforms into a kickstand that holds up the tablet for hands-free use, connects to the back of the tablet via magnets. The reviewer found the connection to be both clean and strong. As for the performance, it’s about what you’d expect out of a Chromebook. It’s zippy enough for everyday tasks like browsing the web and so on.

Read our full HP Chromebook x2 11 review

Acer Swift 3 – Best for college students


  • Solid chassis and build quality
  • Large, attractive 16-inch 1080p screen
  • Enjoyable keyboard and touchpad
  • USB-C with charging and DisplayPort


  • Webcam, microphone, and speakers don’t impress
  • Intel processor falls behind AMD alternatives 
  • Disappointing battery life
  • Lots of bloatware

If you’re a college student working with a modest budget, the Acer Swift 3 is a fantastic option. It features an attractive 16-inch 1080p display, a solid chassis, and an enjoyable keyboard and touchpad. However, battery life is subpar, so you’ll want to keep the charger on hand. This is unfortunate, as the Swift 3’s slim profile makes it a good laptop for travel. If you don’t mind the lackluster battery life, this is a great laptop for watching movies and writing research papers on.

Read our full Acer Swift 3 SF316-51 review

How we tested

The PCWorld team puts each and every Windows laptop through a series of benchmarks that test GPU and CPU performance, battery life, and so on. The idea is to push the laptop to its limits and then compare it against others we’ve tested. Chromebooks, on the other hand, go through a series of web-based tests. It wouldn’t be fair or possible to run the same kinds of tests on a Chromebook, as they’re Chrome OS-based machines. Below, you’ll find a breakdown of each test and the reasons why we run them.

Windows laptops

  • PCMark 10: PCMark 10 is how we determine how well the laptop handles lighter tasks like web browsing, word processing, spreadsheets, and so on.
  • HandBrake: HandBrake is more intensive than PCMark 10. It basically measures how long a laptop’s CPU takes to encode a beefy 30GB file.
  • Cinebench: Cinebench is a brief stress test of the CPU cores. It does this by rendering a 2D scene over a short period of time.
  • 3DMark: 3DMark checks if 3D performance remains consistent over time by running graphic-intensive clips.
  • Video rundown test: To gauge battery life, we loop a 4K video using Windows 10’s Movies & TV app until the laptop dies.


  • CrXPRT 2: The CrXPRT 2 benchmark tests a Chromebook’s battery life.
  • Speedometer 2.0: This test determines a Chromebook’s web browser performance. It simulates this by adding, completing, and removing a to-do list.
  • Basemark Web 3.0: This benchmark gauges how well a Chromebook can handle web-based applications.
  • Kraken 1.1: Kraken 1.1 is a JavaScript performance benchmark.
  • Jetstream 2: Jetstream 2 is a combination of WebAssembly and JavaScript benchmarks. This is a way to gauge how well a Chromebook runs advanced workloads.

How to pick a laptop under $1,000

Ah, here we are at the million dollar question. Do you spring for a basic Chromebook or go for a Windows laptop with more features? Well, it really depends on your personal lifestyle and what you plan on using your laptop for. For example, Chromebooks are a great low cost option for those who just want the basics. I use a Chromebook as my primary work laptop, as it has everything I need for both editing and writing. If you travel a bunch for work, it’s probably a good idea to invest in a laptop with solid battery life. If you’re still unsure, don’t sweat it. I’ve put together a list of quick tips below.

What laptop type should I choose?

There’s traditional clamshells, 2-in-1’s, Chromebooks, and much more. The displays on convertible laptops (aka 2-in-1’s), for example, can swing around 360 degrees. This allows you to use the laptop like a tablet. They can also be propped up like a tent for viewing movies or participating in video calls. Chromebooks, on the other hand, exclusively run Google’s web-focused Chrome OS and are generally used for everyday tasks. All you need is a Gmail account and boom, you’re in. There are pros and cons to each of them. Chromebooks are affordable and generally have good battery life whereas convertibles are normally lightweight and portable.

How do I pick a CPU?

If it’s CPU power you’re looking for, look for processors with higher numerical names. A Core i7 is more suited to gaming and more intense work than everyday tasks. Intel processors are available in Core i3, Core i5, Core i7, and Core i9. The higher the number, the more powerful the CPU. If you don’t need a ton of power, Intel Core i5 processors are your best bet, as they offer good performance at a decent price. Basic office and web work gets along just fine on a Core i3. As for AMD options, the Ryzen 3 is good for basic productivity and web browsing, while Ryzen 5 chips rival Intel’s Core i5 as solid all-arounders. If you need more power, the Ryzen 7 chip is well suited for content creation like video editing. Finally, if you’re dealing with 4K video, spring for a Ryzen 9.

What about GPUs?

You’ll want a discrete graphics card for hardcore gaming or editing videos. It’s separate from the processor, so you can expect higher performance out of it. Integrated graphics, on the other hand, are attached to the CPU and uses less power as a result. This is perfectly fine for everyday tasks, especially if you’re not doing anything that’s graphics-intensive.

How much RAM should I look for?

8GB of RAM is zippy enough for general use. If you’ve got a gaming laptop, 16GB of RAM is the way to go, and content creators will want even more.

How about battery life?

If you plan on taking your laptop anywhere with you, aim for something that can last 10 to 12 hours on a single charge. That’s more than a full work day, so it should theoretically get you through long flights or a day of classes. Obviously, more is always better. Just know that the bigger the battery, the heavier the laptop.

What kind of ports should I look for?

A wide array of ports is always a plus in my book, as it eliminates the need for an adapter. I’d recommend a laptop that has both USB-C and USB-A. An HDMI port is good, too. This is especially useful for hooking up to an external monitor.



Do Chromebooks make good gaming laptops?

The short answer is no, but it really depends on the type of gaming you intend to do. Chromebooks will handle web games and Android games just fine. But if you’re looking to play the latest high-powered 3D games, a Chromebook won’t suffice, because a) it doesn’t run Windows, and b) it probably has insufficient graphics power.

All that said, Google is working hard to bring cloud gaming to Chromebooks. Cloud gaming services use a remote PC or console to play games streamed through the cloud down onto the Chromebook. Until this service becomes more popular, though, Chromebooks will not be able to compete in the gaming arena.


Can integrated graphics be used for gaming?

Yes, some of the latest processors with integrated graphics can run modern PC games at reasonable settings. For example, Intel’s latest Iris Xe line of processors with integrated graphics have been shown to run some of the latest games at 1080p and 30 fps. Be careful, however, as not all integrated graphics are up to the task.

Intel and AMD’s integrated graphics have made huge leaps in exact years with regard to gaming performance. If you’re on a budget or looking for an ultra thin laptop with integrated graphics you can still game on, we recommend checking out Intel’s Core 12th-gen Iris Xe or AMD’s brand new Ryzen 6000 RDNA 2.


What size laptop is best?

This is really personal preference. If you intend to travel a lot with your laptop then a smaller, more portable size in the neighborhood of 13 to 14 inches is recommended. If you want to do gaming on a laptop, then you should look for something in the 15 to 17 inch range. Also, keep in mind the weight of the laptop before you buy it. Ultra thin laptops can weigh a featherlight 2 pounds while beefy gaming computers top the scales at three or four times that.

Mon, 01 Aug 2022 15:00:00 -0500 en-US text/html
Killexams : Best Project Management Software Of 2022

Regardless of budget limitation, offers something for everyone. Even if you are working on a team of two with no budget, can help you get your project done on time and with limited risk. If you are a small two-person team, you can enjoy for free. If you’re part of a growing team, use advanced project-tracking features, automations and integrations for as little as $8 to $16 per team member per month, if billed annually (minimum of three seats per plan).

For small teams with little incoming revenue, the free version offers the ability to manage projects with customizable boards so your team works on its own terms. You can create custom boards using over 200 templates and unlimited docs. Your team members can even work on the go via’s iOS and Android apps. But, once you’re ready to move on to more complex, large-team projects,’s plans grow with your needs.

If you’re working with a growing or mature team, you can manage simple projects all the way up to multiple complex projects. Advanced integrations and plan features allow you to perform work using the tools that help your team best communicate, manage risk, plan and stick to a budget, allocate resources as needed and track your project’s progress, iterations, timing and completion.

For example, automations help your team stay on track with little added effort. With a few clicks, you can set a notification to alert you if any task is over budget or a team member has fallen behind. Further, Gantt charts show you how your project is progressing, and what needs to happen next. Zoom, Slack, synced calendars, Salesforce, Google Docs and other integrations allow for seamless and intuitive team collaboration across your organization.

Who should use it:

Startup businesses on a shoestring budget should consider It offers a free version and free trials so users can test more advanced tiers as their companies can afford them. For more information, check out our review.

Mon, 25 Jul 2022 14:10:00 -0500 Alana Rudder en-US text/html
Killexams : The Best Calculators for Students and Professionals
sharp calculator

Staff, Courtesy of Sharp

Whether you’re a middle schooler starting Algebra I, a college student enrolled in a calculus course, or a professional accountant, having a dedicated calculator is essential. Specifically designed for simple straightforward use, these user-friendly devices allow you to perform a wide range of calculations quickly, and powerful models can even tackle extremely complicated calculus equations. And yeah, when it comes to simple math, sure you can use your smartphone, but there’s something about the physical buttons and single-function design that still makes basic calculators useful to have around.

The Best Calculators

What to Consider

While calculators have all sorts of bells and whistles these days, there are really only two things (aside from price) with which you need to be concerned when shopping for one.


From graphing to scientific to more basic models, there are different types of calculators with different capabilities. Be sure to choose one that will serve your particular needs. Additionally, if you plan to use it for college entrance exams, make sure the model you are going to purchase is approved for use during testing.

Battery Life/Power Source

Speaking of college entrance exams, nothing could be worse than having your calculator run out of power on you before you finish. Calculators can be battery-powered, solar-powered, or a hybrid of both. Whatever type you choose, make sure you can rely on the model you've selected to stay charged for long stretches of time.

How We Selected

We read through a wide breadth of professional reviews to find consensus on the best calculators in a number of different categories. We also kept different coursework requirements, professional duties, and price points in mind, ensuring that our selections would be useful to the widest range of customers possible. We also made sure that the models we chose were well-regarded by customers, and all of the models you'll find below have average customer ratings of at least four out of five stars or higher. As such, no matter your calculation needs, you should be able to find one that's right for you.

For more great back-to-school supplies, check out our picks for the best graphing calculators, laptop backpacks, and smart notebooks.


Best Overall

TI-84 Plus CE Graphing Calculator

Best for Students

16-Digit Scientific Calculator

Best Value

FX-9750II Graphing Calculator

Best for Accounting

12c Financial Calculator

Best Budget

LS-82Z Handheld Calculator

Best Compact Option

EL233SB Pocket Calculator

Best Printing Option

EL-1197PIII Heavy Duty Color Printing Calculator

Best Budget Scientific Calculator

fx-115ESPLUS2 2nd Edition Advanced Scientific Calculator

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Mon, 13 Sep 2021 09:41:00 -0500 en-US text/html
Killexams : Getting There: Law requires new drivers to learn bicycle, pedestrian safety rules

Governor Kathy Hochul signed a new law making pedestrian and bicycle-safety awareness a component of the pre-licensing exam for new drivers and a prerequisite for obtaining a driver’s license. 

"My top priority as governor is to keep New Yorkers safe, and it is common sense to make pedestrian and bike safety education mandatory for drivers," Hochul said. "This law will help prevent crashes and save lives, and I thank my partners in the Assembly and Senate for passing this legislation to make our streets safer."

The law adds an overview of traffic laws regarding motor-vehicle drivers’ duties to ensure the safety of pedestrians and bicyclists. It also requires that material on pedestrian-and-bicyclist safety be added to the Department of Motor Vehicles instruction handbook.

There were 6,087 accidents involving bicyclists in 2020, according to the most exact statewide data from the University at Albany’s Institute for Traffic Safety Management and Research. Fifty-five bicyclists were killed, 714 were seriously injured, 1,932 suffered moderate injuries and 3,285 had minor injuries.

There were 241 pedestrians killed in 2020, 23 percent of the 1,032 total fatalities. Over 10,000 pedestrians were injured. Twenty-one percent of those crashes were caused by pedestrian error; 32 percent were caused by driver distraction or inattention and 31 percent were caused by failure to yield the right of way. Another 5 percent were caused by drivers backing up unsafely. The data did not classify the other 11 percent.

CDTC releases draft five-year plan: The Capital District Transportation Committee has released a draft five-year plan of how to spend federal transportation money in the Capital Region. 

The draft plan includes over $300 million in funds for 59 new projects, such as Bus Rapid Transit improvements, new roundabouts, total street reconstructions and new multi-use paths. 

Comments on the plan can be submitted to the CDTC’s feedback portal. There will also be opportunities for in-person feedback at the following times and locations:

  • 5:30-7:30 p.m. Wednesday, Saratoga County Office Building
  • 9 a.m. to 2 p.m. Saturday, Troy Waterfront Farmers’ Market
  • 5-7 p.m. Aug. 2, Albany Public Library main branch

New Scotland Road, Slingerlands: New Scotland Road (Route 85) between the roundabout at Route 140 (Cherry Avenue) and the eastern connection with Route 85A (Maple Road) is reduced to a single alternating lane weekdays between 9 a.m. and 5 p.m. The state Department of Transportation is conducting a repaving project.

Sun, 24 Jul 2022 22:13:00 -0500 en-US text/html
Killexams : Best Pet Insurance Companies for August 2022

Americans love their pets. exact data from the Insurance Information Institute shows that 70% of US households -- roughly 90.5 million families -- own a pet. But only 3.9 million pets are enrolled in a pet insurance plan, a pet healthcare package designed to help families better afford vet costs. 

Among the many costs of owning a cat or dog, unplanned veterinary visits can cost pet owners hundreds, sometimes thousands, of dollars. Just as we protect our human loved ones with health insurance, we can also make sure that our furry friends are safe from unexpected health emergencies with pet insurance. A pet insurance plan mitigates the financial risk of owning a pet by providing coverage for emergency visits, routine exams and prescription medication, depending on your policy specifics.

Pet insurance is a financial tool that can help per owners save money on vet bills. If you're panic about being able to afford major medical care for your furry friends, read on to discover our top six picks for best pet insurance companies.

Read more: Here's How Much It Costs to Own a Dog or Cat

Best pet insurance companies


Coverage type: Accident, illness, wellness
Starting rate: $37 a month for dogs; $28 a month for cats
Maximum annual coverage: $5,000 to unlimited
Deductibles: $100 to $750
Pets covered: Dogs, cats

Figo is our pick for the most comprehensive pet insurance plan available. It offers best-in-class 100% reimbursement for covered expenses with $5,000, $10,000 or unlimited annual benefits (complete with 70% to 100% reimbursement). Like other carriers, preexisting conditions, preventative dental care, elective procedures and routine wellness are not covered unless you purchase a separate rider.

You can create your own custom plan to include coverage for veterinary exam fees and other wellness care. Figo also offers an extra care pack with coverage for lost pet advertising, vacation cancellation for pet emergencies, boarding fees, pet theft or loss, up to $10,000 per policy for third-party property damage liability and cremation or burial expenses. 

Like most traditional pet insurance policies, you'll need to pay for your vet bills up-front and then file for reimbursement through the Figo Pet Cloud mobile app, online or by faxing or emailing your paid invoice. Reimbursements are issued within 10 business days by mailed check or five business days via direct deposit. The Figo Pet Cloud app also lets you store your pet's vet records online and connect with other pet parents in your area. 

Waiting period and eligibility requirements:
There's a one-day waiting period for accident coverage and the industry standard 14-day waiting period for illness coverage. Figo will insure pets once they're eight weeks old and there's no upper age limit. 

Figo offers discounts for multiple policies and up to 10% discounts for employees at participating vets. Costco members are eligible for a 15% discount on Figo pet insurance.

Pets Best

Coverage type: Accident, illness, routine care
Starting rate: $9 a month for dogs, $6 a month for cats
Maximum annual coverage: $5,000 to unlimited
Deductibles: $50 to $1,000
Pets covered: Dogs, cats

For the lowest monthly premium and a solid array of policies for both accident and illness protection, we recommend Pets Best. This insurance provider offers inexpensive insurance coverage for pet parents. It can be a bit cumbersome to sort through all the conditions included and not included in its three tiers of policies, but doing so is worthwhile to ensure you opt for the right level of coverage.

Pets Best has plans that cover routine vet visits and for an additional $16 to $26 per month will cover the cost of vaccines, spay/neuter services, bloodwork, heartworm preventatives -- a rare find in the pet insurance industry. 

Like Figo, Pets Best is a reimbursement insurance plan. You can file a claim by snapping a picture of your paid invoice and uploading it via the mobile app or online website, answering a couple of questions then submitting it for reimbursement. You can also file via email, fax or mail by submitting their claims form and a copy of your paid, itemized vet invoice. Pets Best states you can expect reimbursement in as little as two days with direct deposit or five to seven days by paper check.

Waiting period and eligibility requirements:
Pets Best's waiting periods for accidents are a bit longer than competitors -- starting at three days -- but illness coverage is standard at three days. 

Pets Best offers a 5% discount for pet parents who enroll more than one pet, and if you purchase a pet through a participating adoption center or animal shelter, you can receive another 5% custom discount code. You can also get special offers on training supplies, treats and products through Pets Best. 

Pet Assure

Coverage type: Discount plan
Starting rate: $10 monthly
Maximum annual coverage: Unlimited
Deductibles: None
Pets covered: All: dogs, cats, birds, exotic animals, farm animals, small animals

Pet Assure is a little bit different than most pet insurance plans -- it's not technically pet insurance, but rather a discount plan that offers 25% off all in-house medical care at participating vets with no claims required. If your vet accepts Pet Assure -- and you should find out before applying -- we like that this plan offers discounts for preexisting conditions that aren't covered by most policies.

There are few restrictions with Pet Assure -- no waiting periods, deductibles or annual maximums. The few exclusions to its discount plan include non-medical services, outsourced lab work or other services, food and medications.

Pet Assure plans are size-dependent -- you choose a plan for one small or large pet (based on weight) or a multi-pet plan, which covers up to four animals of any size. The unlimited plan covers five or more animals. Discounts are deducted at the time you pay your vet bill, at participating vets.

Waiting period and eligibility requirements:
Pet Assure does not have waiting periods or eligibility requirements. However, this plan cannot be used if your vet offers its own discount service.

You can also save approximately 30% on the price of your Pet Assure plan by paying annually instead of monthly. 


Coverage type: Accident, illness, wellness
Starting rate: $72 monthly for dogs, $31 monthly for cats
Maximum annual coverage: $20,000
Deductibles: $100 to $500
Pets covered: Dogs, cats

A newcomer to the pet insurance industry, Pumpkin offers comprehensive coverage that will reimburse you for many conditions other pet insurance companies deny, including dental disease, behavioral issues, parasite infection and hereditary disorders. But you'll also pay higher monthly premiums in exchange. That said, if you're visiting the vet frequently, this insurance offers a higher maximum annual coverage than most. 

Pumpkin also offers 90% reimbursement coverage for dogs and cats with a choice of a $100, $250 or $500 annual deductible. Opting for a lower deductible will raise your monthly bill. You can also add $12 to $19 to your monthly plan to cover 100% of eligible wellness exam fees, vaccines and fecal tests. 

Though preexisting conditions are not covered, a curable condition like a fractured paw or UTI will be covered if your pet remains symptom- and treatment-free for six months, except for knee and hind leg ligament conditions. Pumpkin does not cover spay or neuter surgery, though prescription food and supplements to treat an eligible accident or illness are covered.

In addition to more comprehensive coverage, Pumpkin will pay a portion of your vet bill upfront. If your vet requires full payment in advance, you'll have to submit a claim as usual. 

Waiting period and eligibility requirements:
Waiting periods are standard -- it takes 14 days before coverage kicks in -- but Pumpkin does not have a separate waiting period for cruciate conditions and hip dysplasia like other pet insurance companies. Pets that are eight weeks old and up are eligible, and there are no age cap or breed restrictions. 

There's also a 10% discount added for each additional pet you sign up.


Coverage type: Accident, illness, wellness
Starting rate: $34 a month for medical coverage, $64 a month for complete coverage
Maximum annual coverage: $10,000 to defined per condition
Deductibles: $250
Pets covered: Dogs, cats, birds, exotic pets

Based on our research, Nationwide is the only company currently offering reimbursement pet insurance coverage for birds and exotic pets. To get quotes for your exotic pets, you'll have to call Nationwide directly, but you can purchase pet insurance for a dog or cat online. Nationwide's wellness features are robust and include annual exams, vaccinations, blood work, urinalysis and flea and heartworm preventatives. 

Each plan comes with a $250 annual deductible, 90% reimbursement and defined annual benefits per condition, which is different from most pet insurance plans. The whole pet plan has a cap of $10,000 in annual benefits and pet owners can choose from a 50%, 70% or 90% reimbursement level. Nationwide also offers whole pet coverage, which includes congenital conditions. Pet parents have access to a 24/7 vet customer service line you can call for advice and quick help. 

You can file a claim online, through the app, or email, mail or fax a state-specific claim form along with your paid veterinarian invoice.

Waiting period and eligibility requirements:
The pet wellness plan has a one-day waiting period when purchased alone, while the other plans have standard 14-day waiting periods. Pets under 10 years old can be added to a plan and are then covered throughout their entire life.

You get a 5% discount for enrolling more than one pet and an additional 5% discount if you're an existing Nationwide policyholder. 


Coverage type: Accident, illness
Starting rate: $38 monthly for dogs, $24 monthly for cats
Maximum annual coverage: $5,000 to $30,000
Deductibles: $200 to $1,000
Pets covered: Dogs, cats

If your pet is injury-prone, Embrace may have the best policy for emergency visits, vet specialists and hospitalization costs. Embrace covers just about everything -- except for preexisting conditions. Its Healthy Pet program decreases your deductible by $50 for each year you don't receive a claim reimbursement. Once a claim is filed, your deductible resets to the original amount.

You can also enroll in one of Embrace's additional wellness plans, which are available in amounts of $250, $450 or $650 per pet. You can use the funds right away for your pet and pay back the balance monthly. You'll receive a discount of around $25 depending on the plan you select.

Claims can be filed online, by fax or by mail and are typically processed within 10 to 15 business days, with reimbursements paid by mailed check or direct deposit.

Waiting period and eligibility requirements:
The waiting period for accidents is just two days; illnesses require 14 days. You can purchase accident and illness coverage for pets up to 15 years old and accident-only coverage for pets 15 and older. 

If you have multiple pets, you'll receive a 10% discount on both policies, and if you're a military member, you'll receive a 5% discount.

Best pet insurance companies, compared

Company Figo Pets Best Pumpkin Nationwide Embrace
Best for Comprehensive coverage Basic coverage Frequent vet visits Exotic pets Emergency care
Coverage Type Accident, illness, wellness Accident illness, routine care Accident, illness, wellness Accident, illness, wellness Accident, illness
Starting Rate $28 a month for cats; $37 a month for dogs $6 a month for cats; $9 a month for dogs $31 a month for cats; $72 a month for dogs $34 a month for medical; $64 a month for complete coverage $24 a month for cats; $38 a month for dogs
Deductible $100-$750 $50-$1,000 $100-$500 $250 $200-$1,000
Max Annual Coverage $5,000-unlimited $5,000-unlimited $20,000 $10,000 (varies per condition) $5,000-$30,000
Coverage Type Cats, dogs Cats, dogs Cats, dogs Cats, dogs, birds, exotic pets Cats, dogs
Availability All US states All US states All US states *47 states (excludes Massachusetts, Louisiana, Alaska and Hawaii) All US states


Pet insurance works similarly to human health insurance. You'll pay a regular premium in exchange for receiving reimbursement for your veterinary expenses. There will usually be a deductible amount that you'll need to pay first before getting money back from insurance coverage. While most pet insurance companies only cover cats and dogs, Nationwide Insurance is one of the few to include birds and "exotic animals" in its policies.

How does pet insurance work?

There are two types of pet insurance plans -- reimbursement policies and discount plans. Most pet insurance policies operate on a reimbursement basis, which means they require up-front payment to the veterinarian's office. You then file a claim for reimbursement, which is determined by your deductible, reimbursement percentage and annual coverage maximum. Reimbursements may be mailed to you via a check or sent through direct deposit into your bank account. Some reimbursement policies will also pay your vet directly if your vet allows payment plans. Keep in mind, many policies have a maximum annual coverage limit, after which you'll no longer be reimbursed for vet expenses.

Pet insurance with a discount program can lower your vet bill at the time of payment. Your vet will need to participate in a discount program for you to take advantage of these savings.

Is pet insurance expensive?

Based on the companies profiled here, you can expect to pay between $9 to $72 a month on pet insurance for a dog and $6 to $31 for a cat. The amount you pay for pet insurance depends on a few different factors, including your pet's age, breed, location, health, provider, type of coverage, deductible and reimbursement amount. 

Is pet insurance worth the cost?

If your pet visits the vet frequently, insurance might be worthwhile. However, if your pet is healthy and only goes for exams, it may not be worth the price for insurance. Keep in mind, the older your pet gets, the more expensive pet insurance and vet care can be. You should weigh your anticipated vet expenses and consider your pet's health before deciding if pet insurance is right for you.

Is pet insurance tax-deductible?

No, pet insurance is not tax-deductible. It is considered a cost of owning a pet and is usually paid with post-tax dollars unless your employer offers pre-tax pet insurance coverage. 

If you own a service animal, however, like a guide dog, the IRS lets you deduct pet insurance costs on your taxes. Therapy animal expenses are not currently tax-deductible.

Is pet insurance only for cats and dogs?

Most pet insurance companies only cover cats and dogs, but some insurance companies offer coverage for other pets. For example, Nationwide and Pet Assure offer insurance for birds and exotic pets.

CNET reviews insurance carriers and products by exhaustively comparing them across set criteria developed for each category. For pet insurance, we examine coverage types, starting rates, deductibles, maximum annual coverage, pets covered and availability. 

For this list, we also included uncommon coverage options, including preexisting conditions, dental exams and emergency care.

More financial advice

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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