The Bad News on Pet Insurance
The bad news on pet insurance is that just like auto insurance, everything is "per incident" or "per visit" for the major stuff. The per incident ranges from $750 to $1,500. All three companies, ASPCA, PetFirst, and Pet's Best had annual limits, the highest being $8,000 per year but you'll pay for that annual limit. One of my dog's lost to cancer was treated for six months by a cancer vet and I spent $13,000 but because I didn't have pet insurance prior to the cancer discovery, just with us humans, it was considered a pre-existing condition and not covered.
Plans that cover everything can cost you up to $70 a month per pet or $840 annually, so you need to judge whether the cost is worth it by analyzing your vet expenses.
The best advice on pet insurance is to obtain it when your pet is young and buy a wellness policy. Once the pet is covered, you can always purchase add-on riders to cover additional items to cover those pre-existing conditions. In my case, if I would have had it for my cancer dog, out of the $13,000, I would have only had to pay $5,000 and that's quite a difference. Shop around, get quotes, and ask questions before you buy.