You also need to make sure your vet is a participating vet in whatever insurance you decide on. Just like human Dr.s, they are not obligated to accept any insurance plan. Pet Assure covers any pet (25% discount at participating veterinarians). You need to really read the fine print with any plan and make sure you understand what you are getting. Make sure what they define as a pet vs livestock. Some are quite expensive and have a lot of exclusions, the exclusions can be costly.