I currently have pet insurance with Trupanion and I love it! When I have to file a claim, it doesnt take very long at all. For me it was a week, if I remember correctly. And what I really like about them is that I can pick out my own deductible, which doesnt change my policy at all! And they pay 90% of the bill, which I thought was amazing! I know when I was looking for insurance, I did a lot of research and on the website they have other companies policy as well! If you are seriously looking for pet insurance, you should take a look at their website:
Trupanion Pet Insurance | Pet Health Insurance for your Dog or Cat Also I would totally look at:
Pet Insurance Review - comparison of VPI, ASPCA, etc., they have reviews from other pet insurers and you can read about their experience with their company.
I really hope you decide to get pet insurance. I think it is such a great idea and it really helps to plan for the future!