I got Trupanion for my yorkie.
I basically just got into the mind set that I would pay monthly, with the hopes I will Never have to use it.
I choose - 0 - deductible and they reimburse 90% of all illness & injury. I have had to file about 3 claims within a months time.... I have had no problems....and had Great customer service. They approved all claims within a weeks time and I got my checks a few days after.