I used to go with another insurance plan for my first dog (Pet Insurance) but it was a frustrating experience going back and forth arguing what is a 'chronic' disease and what isn't. Vetinsuance (now run by Trupanion) is lightyears better than those guys. They cover 90% of almost all medical expenses, and their response is lighting quick. I usually get a response saying they got my claim within the same day, and the claim is processed the day after. If you're thinking of medical insurance for your pet (and you should), Vet Insurance (Trupanion) is a no-brainer.