I have had Petsecure for my 6 year old Brittany Spaniel and he has been insured since birth. Recently, he had a whole host of difficulties including some very expensive treatments and diagnostics including a MRI and a sampling of his brain fluid. At any rate, he was diagnosed with Episodic Epilepsy.
Petsecure has consistently been helpful and I have not had any problems with them paying out claims. Their web portal is decent and they process claims at a reasonable rate. I've had to call the 800 number before and they were excellent there as well.
My deductible is $300 / year currently and I pay about $57 a month at 6 years of age.