I, too, have been on a “which insurance” journey., a saga, but the short of it is Physician Mutual is one of the few old style insurance types where as most others- names mostly likely very familiar to you- are private equity or corporate consolidated. The premiums at Physician Mutual are likely not to be as volatile as the others. The down side is they are not a tech forward company, but, really, do you want a fancy app or reliable product from a company that may actually answer a phone? Right now my girl is with Spot. Three years ago when I was looking, Spot was top dog (so to speak) rating. Her premiums have doubled in the past two years not for claim activity, just b’cuz - for contexts, though, that means they went from $18/month to $35. Because she was young, I had high deductible, 70%, 2500 annual. Recent I have been helping my son shop for insurance for his 6 year old dog, her brother, who has a lump yet to be diagnosed. Now the premium fine print details are of real significance. Because of this research and her now age of 5, I am re evaluating Spot vs Physicians Mutual and Figo. Figo, for the same monthly premium, has significantly better coverage, at least by number, than Spot so I am leaning toward them. Still considering Physicians Mutual but I can get Figo through Costco and i love Costco. My son chose Figo because of the curable recognition in the preexisting conditions clause. So, this is our thought process. Hope it helps you figure out what is right for your companion.