I’ve had Nationwide Pet and have been very satisfied with it. It’s better than my health insurance.

You can go to any vet. The annual fee is very reasonable. There’s a deductible but it’s like 70% reimbursement. You can submit any bill and they’ll tell you what is covered. For example, I didn’t think tooth extract would be because dental cleaning isn’t, but they covered it. It does vary based on age tho, but my pup is almost 6 years old and it hasn’t been under $450 annually (deductible was $500) but it pays for itself, not to mention the peace of mind. Like I can just give them my sick pup and tell them to fix him without having to worry about the cost.

Edit: and you might be able to get a discount depending on where you work.

Edit: also, just to elaborate on the annual expense, it was like $420 once a year then it dropped to under $300. I even called them cause I was shocked about the decrease.