What Is The Best Kind Of Pet Insurance?

I think pet insurance is a good idea. It’s not “absolutely necessary” for any pet, but I think it’s good to have when you don’t have a huge budget to spend on veterinary bills.
I have Trupanion for my dog so I don’t know all about all the other companies, but here is what they cover:
Any accident or illness that happens AFTER you sign up for the insurance and that isn’t related to any condition that occurred prior to getting insurance. So they pay for the diagnostic tests, the treatment/surgery, and all the medications.
Watch out for companies that have “benefits schedules” which means they have a list saying how much things should cost, ex: allergy treatment - $200, so if your vet charges you $800, then you would only get reimbursed for $200 of it.
Trupanion covers 90% of the entire bill, and I honestly chose them because they don’t have claim limits, so no matter how much your bill costs.
No matter what company you go with, I’d steer clear from “routine coverage” because it’s not worth the money. You’re just paying the same (and usually MORE) through the middle-man (insurance company) for basic check-ups. Best to pay for stuff like that yourself.
Hope this helped!