i have insurance throught http://www.vetinsurance.com
(i think they're called "trupanion" in the US?)
they have been nothing short of amazing.
absolutely NO COMPLAINTS at all.
i have claimed both of maggies TPLO surgeries ($4,000 each
), plus a weekend at the e-vet (~$1,000 - raisons incident), she's had one of her little front teeth pulled (she split it vertically when she ran into the wall at the lacrosse box), not to mention the numerous other vet visits and xrays she's had.
they have covered 90% of everything, except for the exam fees. my rates haven't increased due to claims, and my coverage has never decreased. i wouldn't hesitate to reccommend them, they have saved me thousands