Pets Best has a straightforward model where they pay 80% of a claim after the deductible. I had several incidents with my 100+-lb dog from when he was 2 (emergency surgery to remove an ingested foreign body) to 10, when he underwent palliative treatments for osteosarcoma. The claims process is simple and easy to understand. The monthly premium understandably increased year over year.
Mixed Breed Giant (90 Lbs +)