Ok when I first read this title I thought it was for a life insurance policy. lol
My parents vet offers a wellness plan which covers all routine stuff (dental cleanings, shots, exams, etc.) for like $10 a month or something totally cheap like that. I wish my vet did- I asked if they could do something similar but they don't. Maybe ask your vet if they can do a plan like that. I had a brochure at one time when I was trying to ask my vet to consider the idea.
Anyways, I didn't know there was such a thing as insurance for your pets. That's awesome! I had to pay 1K out of pocket when my dog had an emergency. Good to know.
Also, about crazy raccoons, be careful of coyotes if you have them around too. One tried to attack my puppy late in the night when she was going potty. I had to foot race it there because I let the puppy get across the yard from where I was standing. I didn't even think about coyotes lurking in the shadows- or other creatures. Most of the time they run when they see humans, but this coyote must have been hungry. This was years ago and I have since learned.