If your having doubts about getting Furkin pet insurance just read the Policy Document Online and compare. I highly recommend Furkin and have premium plans for both of my new fur babies. (Tango & Cash) My monthly payments are 15% less and my deductible is 50% less than other companies. I chose Furkin because while they do cover exam fees, they do not cover routine wellness/annual exams when your pet is healthy. For all other eligible accidents, illnesses, and emergencies that require a vet visit, your exam fee is included in coverage whereas this is not always the case with other pet insurance companies, and have pre-approval forms for expensive procedures you may be able to pay up-front. just snap a pic of the pre-approval form, email it to them, and wait 48 hours for approval so you only pay 20% out of pocket when approved. https://www.furkin.com/hubfs/Furkin-Documents/FUR-CA-Policy-Document-Online.pdf?hsLang=en-ca#page=12