Have had Trupanion for 2 years now so far only one issue with getting a reimbursement check but otherwise no issues. From my very fist claim for a foreign body removal from stomach 90% return from 3k bill. Now continuous skin infections all test and treatments covered including special food and non prescription supplements. Customer service has been very polite and helpful. Not sure of hours but they are open on weekends.
I would really love to see a portion of vet/specialists office visit fee covered. As it stands no portion of visits covered.
Overall I would recommend Trupanion. They are probably most expensive but you do get a return if you use it. They also cover a lot of non routine items like holistic treatment and rehab.