I use "VPI" (Vet Pet Insurance). I have a superior plan and it's not bad. I mean, it's better than nothing. Knock on Wood, Mz Logan hasn't had to use it much but I did get some reimbursement for her check up, shots and worm meds. The rate goes up slightly per year and the initial rate is based on your dog's age. They can't have any preexisiting conditions..ie: ACL injury. With my Cody, I was reimbursed almost 80% when he had severe medical problems/tests before he passed. VPI has a website with all their info.