IMO And I have PetSecure the best is to have your insurance with any company and a savings account with some good amount because IF need comes you need someone to have your back. In this case your savings. Because although the insurance company will give you the money eventually at the time of need you'll have cash to pay the money and once your claim goes through you can deposit that money back in that savings account for your pets.
" How we behave toward cats here below determines our status in heaven."
- Robert A. Heinlein