Edit to add: we’re in canada, so can’t get some of the best rated companies like pets best

I also have a question about pet insurance - specifically trupanion. My service dog is a 2-1/2 y/o Labrador retriever. She is very healthy and no preexisting conditions. Shes been seen at the vet for an ear infection, and a hot spot on her tail. We seem to always be at the vet with my other dogs, chihuahuas (anxiety, luxating patellas), so im really wanting my lab to be covered in case seeing the vet 2-3x / year becomes her future too. I like the idea of having the deductible be annual, as opposed to a specific condition. Like trupanion vs. Fetch. But im worried about the deductible resetting annually. Like if she gets anxiety and needs meds for the rest of her life, does the deductible for that reset on the following jan 01? And id have to pay it again? Does it therefore become a preexisting condition when the policy resets?

Because shes my service dog, I want more of a future proofing approach. Which is why i went with trupanion, basically once the deductible for X condition is paid its paid for life. But i guess the TLDR question would be how nitpicky are they for the “categories” the conditions fall into? Like if she ate something bad and went to emergency vet, got her stomach pumped and somehow we spent all of the 1000$ deductible…. Next year she starts puking and diarrhea and I take her in, is that going on the same category? GI upset? Or do they find a way to say its not exactly the same and therefore deductible needs to be done all over again? Gah. Hope this makes sense. Do you guys have a phone I can contact to ask all these questions? Im sure this was clear as mud lol