We use Nationwide, they have the best coverage (no exclusions, high caps for services, and fast payout - Ive always gotten payment in 1 week of claim submission) We have all our animals on wellness + emergency. The caps for things on the wellness plan are high enough to pay for 90% of the annual vet charge so annual shots, exams, fecal tests, hip xray for my shepherd and the emergency is 100% coverage after a small deductible, mine is $100 on a grandfathered plan and $200 on newer pets I added. Rates are lower compared to other plans with higher deductibles and co-insurance options too. My shepherd just had an ACL surgery and we only paid $100, if we didnt have insurance we would be in the hole for 12k after surgery and after care meds/visits. The plans pay for themselves with how high vet bills are nowadays.