We adopted a 2 yr old Chocolate Lab. Got the top package ($50 deductible (big note, if its the same problem with multiple bills you only pay the $50 once), 0 copay) cost about $500/yr. 6 months after we adopted her she had diareah/vomiting had to go to the vet 3 times $600 altogether (got paid for all but the deductible). While xraying to see if she swallowed something causing the problems they saw she had hip dsysplasia, since it was not previously known, any treatment (and I'm sure there will be much down the line) will be covered.
The forms/filing is simple, remember you'll need to pay the vet and be reimbursed but you'll see your money back in less than 30 days.
Service/support is exceptional, the employees all appear to be huge animal lovers. If you get a dog, don't go without the this insurance.