Cancelled our pet policy....they [pet insurances] pay pennies on the dollar. Thank goodness, we never had to *use* it for something catastrophic, but for regular vet usage, it was not worth the ROI. Kinda like the dental insurance I have, sucks; only pays pennies on dollar :)
Odin needed a cardio evaluation some years ago.
I got 90% of $800 back.
They pay for 90% of his Soloxine and cover *everything* and they will prepay for large bills, if I can’t afford it.
No complaints here.
The dogs have better coverage than I do and I go without *many* things to keep them covered.