[taxlady]

I just got Sprockets health insurance renewal info as the carrier had changed their "carrier" no changes for me, just the up-date notice thingy, I get Sprocket the wellness coverage every other year, which is the physical, shots, clean the teeth, blood work, you know, everything and that year we go all the time. The insurance has a "laundry list" of costs by the vet and almost everything that is on it is 100% covered with the exception of the spay/neuter which we don't need anyway. So for us it works well, we travel and and do not have to use any special vet or anything just pay for it and turn in the bill. I have a special credit card just for his expenses or the on the road expenses, which ever, so it never has anything on it. We use Pets Best Insurance they are out of Boise ID, their turn around time on claims is short and you can either call and speak to a live claims rep who is helpful or fax or email in your stuff, easy. I knew NOTHING about little dogs and was to the vet all the time when Sprocket first came to live with us, so I came to know the insurance ppls and the vet LOL. I hope this is helpful for you and good luck with your choices.