I carry accident insurance only with VIP Pet Insurance & it is $150 a year, per dog. I have had excellent results. I live in the country & both of my dogs have been bitten by snakes. The Great Dane’s bill was enormous & after a $50 deductible VIP paid 90% of the vet bill with in 7 days after I sent the papers in to them. The second dog, a Standard Poodle had a go at another snake & they paid just as quickly.