I no longer have dog insurance on my pups.

When I did I went for the heighest coverage with
a reasonable cost.
The first insurance I used, was great.
They had a very reasonable price and you were able to use
it for anything vet related except for teeth cleening and
shots etc. You just had to pay a deductible each time.
That lasted only 2 years and then raised their
premiums high.
I switched to a well know company but they
had so many rules on what and how much they would
pay, it wasn't worth it. I dropped them
after one year.
So now I just make sure I have money set
aside that I never touch for doggie care.