I went with a puppy policy with Embrace.
Puppy Insurance, Health Insurance for Vet Bills | EMBRACE
I got the middle of the road $5000 per year, $500 deductible 20% copay. They have a 15 day wait on injury and illness. 60 day on orthopedic, but they offer a "orthopedic report card." After you enroll you can take your dog to your vet for an orthopedic exam (no xrays required) and they have a simple 3 criteria check box form that if all 3 are within normal limits the reduce the orthopedic coverage waiting period to 15 days as well.