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None are purrfect since they operate on a reimbursement model and the youngest, healthiest animal costs the least to insure. So, put money into one that pays you back more than you pay them. Or, pay cash. Vets have wildly different prices. Like medical, they have a price list you cannot see. Try to attend shot clinics at Petco or Tractor Supply, and get the vaccines on time. Bloodwork annually until age 10-12, then every six months. In the interim, save about $20,000 or marry a vet. Also, book your vet out in the middle of nowhere, rent is always based on property values. Every other part of small animal veterinary practice is the same cost to the vet. Seek recommendations from the grooming salon, dog park, random kind strangers, or bar patrons.
After our research we ended up with Lemonade. We thankfully haven’t needed it for any emergencies but basic care was extremely
easy to get reimbursed.
Visual Storyteller
I use Embrace. They came through for me when one of my cats got heart disease.