Recommendations on pet insurance please!!!?

Recommendations on pet insurance please!!!?

I have 5 year old lab and I am realizing that pet insurance is probably a good idea.
Does anybody recommend realiable companies? or policies?

I am looking at Petplan and Trupanion. Are they reliable or is there a better one?

Also how much coverage should I get?
Petplan has a 8k/yr…12k/yr…and 20k/yr…Which is best? I would hate to pay a monthly fee and not use it if there was a major problem.

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