After reviewing the other options, we chose PetPlan. It seemed the best fit, and several sources we trust recommended it. Well, you hope never to use it- but in fact we did have to. Our little doggie got meningitis, and the cost to save her life was over $7000. PetPlan was fantastic- the opposite of what you think insurance companies would do, actually- they were so sympathetic, NEVER tried to avoid paying- they paid very quickly, and seem to be animal lovers, not insurance people. I will never use another company. Love PetPlan (ps- I do not work there, have no affiliation other than as a customer).