oh and i don't know much about which pet insurance is best! sorry!
but.. i know there are alot of things that aren't covered(like you mentioned before) so im not sure..
we were interested in it too.. but after looking into some of them.. they almost didnt seem worth it! i have heard of people putting the money they would pay monthly for the insurance, into an acct for their babies!
(so that is something to consider also
)