I have insurance on Bertie! It is through Trupanion, and it is excellant! It paid for both cherry eye surgery on both eyes, Soft pallet reduction surgery, opening of her nares and a couple other things. I faxed the paperwork in and had a check in less than two weeks.
I pay less than $50 a month and Bertie is covered for any illness or accidents and also is covered for hip displaysia. It doesn't cover vaccinations, but I don't c are about that. I also have NO deductible and there is no lifetime limit and no limits at all anymore.
I also have had my cocker spaniel insured through them for the past 3 years. Trupanion also covers hereditary conditions!
It covers 90% and there is are no caps or limits on payouts.