The only pet insurance company I am familiar with is TruPanion. What I can tell you is this: it does not cover wellness care (exams, vaccines, etc.) because it's is meant to be more like accident / injury / illness coverage, they pay a flat 90% of the invoice, there are no annual or lifetime benefit caps, they offer a free 30 day trial period throuh veterinary offices, and you cannot be dropped for claims made. They do have an 18 month waiting period on pre-existing conditions. Premiums are based on age, breed, existing health issues, and the deductible you choose. I'm not in general practice any more and that's the only company we ever talked to at my last job.
Life-long horse lover, dreaming of the day when I have one of my very own.
I have VPI and really like it. They have changed a lot in the last couple of years on how they cover things and even offer benefits for heriderary conditions that they didn't used to. Overall I har been happy with them, but the biggest thing I learned when I was looking for coverage was to pick one company and stay with them. Even if you had coverage for your dogs whole life if it was through another company there will be pre-existing conditions if you change companies later.
I use and recommend Petplan (gopetplan.com) x 5000000!
They are reasonably priced, incredibly friendly and pay out claims quickly. The #1 reason that I love and always recommend them is that they cover hereditary issues and are the only dog insurance I've found who does that.
I had a dog with a luxating patella who needed surgery and my regular vet and surgeon told me there was no way a pet insurance would cover it... Not only did Petplan pay the claim (at 100%) but they did so within two weeks after submitting my documentation.
I would second Petplan. I was happy they covered hereditary issues, and like the different options for reimbursement (e.g., up to 100% as Aussie mentioned). I feel they are reasonably priced too, and you can select your deductible ($50, $100,$200) and reimbursement amount (80%, 90%, 100%).