When I tell my friends about PurinaCare® one of the most common questions I get is what type of insurance would I buy? I think that is kind of a euphemism for what would be the best deal. Hey, if I had a friend in the health, auto, or home insurance business, it's exactly the same question I would ask them.
From my perspective most insurance seems pretty confusing. When I had to buy health insurance for myself, it seemed there were a myriad of policies that all seemed the same, except the monthly premiums were different. The natural reaction one has is that they must not be telling me something and I won't figure it out until I need medical care and I get a bill from one of the providers. I still open bills from physicians and hospitals with a sense of trepidation.
That's one of the reasons we tried to make PurinaCare as simple as possible and still comply with the various regulations and legal requirements. That's why we started out withjust two policies, one that includes preventive care, as well as accidents and illness, and one that is accident and illness only.
The type of policy you should get should reflect your tolerance for risk and your saving habits. As a Scotsman there are some that would say I have the first nickel I ever laid my hands on. I did retire at 55, not because I ever made a lot of money, but because I saved as much as I could. Just ask my wife and my kids.
That being said, I could probably handle a thousand dollar veterinary bill pretty comfortably. If we get a new puppy or adopt an older dog I'd probably go for a high deductible accident and illness policy only. I'd pay for routine preventive care myself and try to protect myself from an all too common accident that could run into the thousands.
I told my friend Tim just this the other night when he took me to see the Cardinals beat the Tigers in a great baseball game. I love it when my team wins 11-2. Tim asked because his Dachshund, Bean, is known as the three thousand dollar dog. Apparently he ate the ear off a dog toy that lodged in his intestine requiring surgery. I told Tim that if he had a high deductible accident and illness only policy that he could rename Bean the thousand dollar dog because his insurance policy would have paid 80% of the bill after he met the deductible. 
My Law student daughter on the other hand lives pretty much hand to mouth. This is complicated by her propensity for Ketel One Cosmos on a beer budget. She should get Miles a low deductible PurinaCare Plus Preventive Care policy. She's going to spend four to five hundred dollars on Miles this year so she would meet a $250 deductible easily. Once the deductible is met she'd pay 20% of the remaining fees for covered expenses. If Miles got into a jackpot and ate one of Claire's socks she'd already have the deductible covered and she wouldn't have to think twice about an expensive surgery like Bean's.
Claire, as yet, has failed to get the concept of a savings account. She seems to think my savings account is pretty much fair game. She would have to come begging on bended knee if Miles needed expensive care. On the other hand she could meet the $46 monthly premium by substituting Smirnoff for Ketel One in her Cosmos.
It all comes down to savings habits, disposable income and tolerance for risk when you are buying pet health insurance. One thing we all have in common is our desire to be able to provide the best care possible no matter what the circumstances. There is a PurinaCare policy with the coverage you need at a deductible most of us can handle.