[zargon]

In the US, Canada, and Australia, it's Trupanion. It doesn't cover routine wellness costs (exams, shots, teeth cleanings). But it covers virtually everything else at 90% with a $250 deductible. No annual limits or lifetime limits. For my cats it costs $30 per month (each).

[mdouglass]

That's way better than anything I've seen. I get a 79.50$/mo quote with a $1000 deductible from Trupanion for my 2yr old dog. Which is why we've never picked it up.

The $250 deductible version is a crazy $184.55/mo.

[zargon]

I'm not really familiar with how much dogs cost, but it seems like large dogs just cost a lot. I just did a quote for a small 2 year old dog (Maltipoo), and got $55/month. A 2 year old cat is $38/month. (I enrolled my cats as kittens.) I expect breed in general to be a much bigger factor with dogs than cats. Veterinary costs also vary significantly based on location.

[gen220]

This is true. If you're an experienced cat owner in good financial health, indoor cats are generally not worth insuring.

For dogs, it ranges wildly from "not worth it at all" to "mandatory" depending on the breed, and which breeds you should purchase insurance for is pretty trivial to find information for online. In general, bulldogs and large dogs are generally worth getting insurance for, as long as you get it when they're still puppies.