I have had PetPlan US insurance for my little black Pug, Molly Jean, for almost two years now. I chose the silver level, which pays up to $12k annually, and I chose to pay a 20% deductible. I thought - and it has proven true- that would suit my abilities to pay should anything have happened to Molly Jean.
Sadly, she developed Intervertebral Disk Disease (IVDD) and has required surgeries and lots of vet visits.
PetPlan US has always paid on claims FAST. And, always, each member of the team I speak to asks after her health. They are all compassionate pet owners themselves.
I highly recommend this insurance to anyone, and I think insurance should be considered a cost of ownership for anyone with a pet. You don't want to be in the position of having to choose between paying your mortgage and paying to save your beloved pet's life. gopetplan.com is great!