We do carry pet insurance on both of our dogs. We use Petplan USA. We researched a lot of different compaines and they are the only one we found that covers cancer, skin allergies and other breed specific problems. They do not cover your yearly exam, routine shots and spaying/nutering; but they do pay for alot of other things like finding your pet if it gets lost. Petplan has three different levels of coverage; bronze, silver and gold. Three different coinsurance amounts; 50%, 20% and 0% and deductibles ranging from $0 to $250. As long as you pay your yearly premium, your policy will never be cancelled.
Our little Rocky, a maltese mix, has had 5 knee surgeries for subluxated patellas. Petplan has paid every claim within 30 days. You choose your own vet, pay the bill and then mail the claim to petplan. Even with all of our claims, his premium had never been raised. I would recommend Petplan to everyone.