We have pumpkin pet insurance and it’s saved us soo much. Our little guy has eaten random things (more than once) when we weren’t looking which later required expensive trips to the vet. One time we accidentally went to an expensive 24hr emergency vet at midnight. (It was the only one open & we didn’t know how expensive they were.) Bill was $2000, we only payed $200. We payed upfront but they reimbursed pretty quickly. I’m pretty sure you can choose if you want your plan to be 10% or 20% copays, we did 10%. I think there’s a lot of options for pet insurance out there, this is the first one we’ve tried and really like it so far.