The costs of veterinary care seem to have skyrocketed since I was young, and most things that go wrong are still costing a pretty penny even if they are fairly minor issues that antibiotics can deal with. But insurance costs are steep too, especially with four pets to cover. I was thinking it might not be the worst idea to pick one animal out of the bunch that I would really be heartbroken over not being able to give the best treatment to regardless of costs, and just insure that one with full coverage and the rest on catastrophic accident only type in case of injury, but not chronic illness. In this case, the youngest kitten would be the beneficiary of the comprehensive plan, and I'm considering the fact that Embrace actually covers the exam costs and has the deductible reduction per year without claims, but Healthy paws has lower premiums, and Figo has the option for 100% coverage after a $500 deductible. Does anyone have any experience with this or perspectives to offer in making a choice between providers?