If you can get some policies, read them over very carefully to see what they do - and do NOT cover.
Is that $250 deductible for each episode or annually?
Does it cover routine care like exams and rabies shots?
Have you asked your veterinarian's office what they think about it?
Is there a way to compare coverages from different companies?
$360 plus $250 for "total" coverage for a pet is still in the "reasonable/manageable" range if the animal has anything more than "routine" exams and vaccinations. (Says she whose son's cat had close to $5,000 in vet bills)
I remember - way back when - that the cats and dogs did not get any special care. When they got old and sick, it seemed like the animals would just go off somewhere and die a natural death.