No, it isn't. A pet insurance company and policy need to be chosen based on the needs of the pet, the wants of the pet owner, and the budget available for the pet's healthcare expenses. These differ for all pets and owners. Do your due diligence. Always read a sample policy before buying pet insurance. You'll find a lot of information that you won't find on a company's website. If you don't understand something, call the company for clarification.