I was leery to pay for pet health insurance as I suspected every company would find a way to deny valid claims. After researching numerous companies I settled on Petplan. In the many years I've been with them, and the tens of thousands of dollars they paid out to help me help my deserving dog, they were always helpful and friendly. Above all, they always upheld their end of the contract and paid 80% of my dog's claims, even in instances where the medical care was alternative (acupuncture, herbal medications, etc).
To avoid any contract ambiguities and provide clarity, I would advise having them review medical records and determine ineligible conditions ahead of time, so that you know with certainty what they will and will not cover.
To underline the honesty and integrity of this company I will add that my dog was diagnosed with a very aggressive (and hence very expensive) cancer within a month of our getting the plan, and they didn't even mention that.
German Shorthaired Pointer