Hi fragrancehound,
It is frustrating trying to find a good pet insurance company. I have been using Pet Care Insurance for a while now; since Naranj and P. K. were kittens. This company requires they reimburse you after you pay the vet; I'm not sure if there is a company out there who does it the other way around.
If I hear of anyone who does the straight reimbursement I will let you know.
Good luck with Panther.
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