You didn't say what insurance it is
I have VPI. I chose the Superior Plan, it does not yearly visits, shots,
flea meds or heartworm meds. I chose this one because I don't care
about these things. I would purchase them anyhow and take him
yearly for his shots. I wanted a plan in case of emergencies. Something that might arise that wasn't planned for. I got to use it for the first time last month.
I have had this ins for 3yrs. Buddy hurt his leg somehow while I was
not home. The vet charged me, for visit, shot of megacam, test for
lymes(symptom is limping) and 1wk of anti imflammatory meds.
Total was $207.00. Ins paid, after $50.00 deductable $112.00.
I was very happy. The following week I took him back for a follow up
visit. Total $65.00. Ins paid $47.50 with no deductable this time because
it was the same injury.
I pay $28.17 per month.
I think it's worth it.