Okay, I found a pet insurance place, and now I am looking at the plans. Since you all are chi experts

, which plan do you think would be best for me to get based on common chi health problems?
QuickCare First Program
Illness Coverage
Per incident, first time occurrence only
$ 500
Foreign Body Ingestion
An ingested foreign body needs to be surgically removed.
$ 1,000
Motor Vehicle Accident
Medical treatment for injuries resulting from any form of motor vehicle accident.
$ 1,000
Bone Fractures
Fractures not caused by a motor vehicle accident.
$ 1,000
Defined Poison Ingestion
$ 1,000
Laceration
Medical treatment for an accidental laceration such as cut pads or dog/cat bites.
$ 1,000
Burns
$ 1,000
Allergic Reaction to Insect Bites
$ 1,000
Recovery Cost (no deductible)
To pay for advertising or to offer a reward should your dog become lost or missing.
$ 150
Monthly Premium:
$ 10.95
Monthly Premium for Microchipped Pets:
$ 9.45
QuickCare Plus
Motor Vehicle Accident
Coverage amount is for each separate accident.
$ 2,000
Foreign Body Ingestion
An ingested foreign body needs to be surgically removed.
$ 2,000
Bone Fractures
Fractures not caused by a motor vehicle accident.
$ 2,000
Defined Poison Ingestion
$ 2,000
Laceration
Medical treatment for an accidental laceration such as cut pads.
$ 500
Burns
$ 500
Bite Wounds and Bite Wound Abscesses
$ 500
Allergic reaction to insect bites
$ 500
Illness
Coverage is for each of 6 separate illness categories:
•digestive •ear •eye •nervous system •infectious diseases
•cancer (malignant tumors)
$ 2,000
Accidental Death (no deductible)
If your pet should die from injuries as a result of an untreated accident, its original purchase price will be reimbursed, up to policy limit
$ 500
Monthly Premium:
$ 19.95
MasterCare Program
Accident - $ 75 deductible
Coverage amount is for each separate accident.
$ 2,500
Illness
Coverage amount is for each of 12 separate illness categories:
•cardiovascular & respiratory system •digestive system •urogenital system •musculoskeletal system •nervous system •eyes •ears •skin •endocrine system •blood & lymphoid system •infectious diseases •cancer (malignant tumors)
$ 3,000
Other - no deductible
Accidental Death
$ 500
Additional Living Expenses
$ 2,000
Boarding Kennel Fees
$ 250
Trip Cancellation
$ 500
Recovery Costs - To pay for advertising or to offer a reward should your cat become lost or missing.
Not Microchipped N/A
$ 200
Microchipped
$150
This plan costs about $35 a month, which is too pricey for a university student like me. But do you guys think that the second plan covers enough and is worth it :?: