My personal opinion on Insurance after reading the problems here and the trouble that friends of mine went through is that the best guarantee you can give is to just have a credit card or special savings acc. to deposit into monthly(as you would if you made payments to ins.)That way you have backup no matter what the health issue! Seems to me that Pet Insurance only cover things that very rarely happen, and when/if it do occur, they have a term for it so to make it not covered by them! The best bet is to have your own insurance plan by saving a little every month....it doesn't take long to add up...I went with a loadable Mastercard and I keep adding to it....hopefully I will never need it though ....
Good Luck!