We just bought Trupanion insurance for Diamond. We live in Canada (Toronto) so our choices in pet insurance are somewhat different and the premiums are probably different as well. We pay about $40 a month premium. We chose Trupanion because it will cover things like luxating patellas. The deductible is per condition, not per incident, they don't exclude conditions common to the breed (e.g. luxating patellas), and there is cap per injury or illness. The conditions actually seem a lot like Pet Plan above, but pet plan isn't offered in Canada.