[RickFLM4]

We use Nationwide and they are good about paying. If all you have are routine vet trips, it will be a net cost out. If you have anything significant (like my dog having 25 teeth removed), you will probably come out ahead. The rates do increase over time and the benefits have caps on them, which are too numerous to really memorize. We just submit the claims and take what we get. For example, one of the dogs is on heart medicine and they paid for 3 mos. worth, but I think that is all they will pay. There are some posts about it in the Pet Thread.

You need to start when they are pups as any pre-existing conditions are excluded - and they will go through vet records before binding coverage.

(FWIW, I also have very good experience with extended auto warranties from Fidelity as well.)