We have Petsecure for both our guys. They have different levels that you can purchase. We put both on level 4, the puppy wellness plan for their first year, because it covers all the puppy stuff like first puppy exams, stool samples, vaccinations, spay/neuter surgeries. It also covers $50,000 for surgeries and illness, as well as $50,000 for any accidents such as motor vehicle accidents, and other accidents. We had all the puppy stuff done, and Blossom developed
cherry eye in both eyes at 5 months, so when she was spayed at 7 months we had her eyes repaired. Bulldozer has only had neuter surgery, but he hurt his back paw when we first brought him home, and required X-rays, medication, and follow up check up, he has swallowed socks twice, and a dish cloth, for which he has been able to pass, but one sock did make him sick, and he needed IV, medication for pain, and laxatives to help him pass it, we almost had to go to surgery which would have cost about $5,000. There are other things it covers such as alternative treatments, and behaviour, etc. the puppy wellness level cost $125 a month, which more than paid for itself in their first year. After they turned one we dropped down to level 3 and now pay $55 a month. It still covers the $50,000 for accidents and illnesses as level 4, and the alternative and behaviour therapies, annual vaccinations, and exams. I'm not familiar with which insurance you have in the USA, but you do have Petsecure, and Trupanion. I was given 3 different pamphlets from my vet when I first brought them, and they recommended Petsecure because they said the coverage was good and for the ease of claims. They place the money directly into your bank account, and are pretty quick in processing the claim, and they cover 80%. I recommend insurance because you have a lot of expenses for the first year with all the puppy exams, vaccinations, etc, plush you never know what will come up with your baby, or what accident can happen, and the vet bills can be really expensive, so any coverage helps with the bills.