I had 3 small incidents with my puppy that I claimed over 2 years, severe diahrea, house plant ingestion, and a leg injury... that I claimed on insurance and then I got a letter that the rates are going up. The total bills were less than 500.00. My deductable and rates rose. so insurance is not like a medical plan. It should be used only for emergency that is above lets say 1000.00 to make it worthwhile. Then the money you saved by not paying the monthly would have covered that. Live and learn. I've had other vet visits and did not put a claim through for them for it would make my rates go up again. I think it's mostly for major emergencies. I think they are all the same? be aware they dont' tell you this when you sign up.
Age of Pet