My husband and I adopted an 8 year old dog a few months ago and we knew he would likely have health problems soon due to his age. I’m so glad we decided to go for one of the best pet insurance packages. We chose the 90% reimbursement plan with a $1,000 deductible and no annual limit on reimbursement. Our dog had a medical emergency that cost us over $3,500. Luckily, that meant we hit our deductible quickly and would be reimbursed for our expenses. One thing to note though is that the reimbursement is based on whatever amount is left after they subtract what they consider to be the co-pay. So if you spent $100 out of pocket, the co-pay is somewhere around $15-$20 and they will reimburse 90% of the remaining $80-$85. Still worth it though!