I have the accident-only coverage on my dogs, because Bassets can be rock-eaters. They have covered two rock-eating surgeries on one of my girls, and that was after she had the same surgery prior to coverage. They have continued to cover her, and I've insured all my subsequent dogs with them for accident coverage.
For regular expenses, I prefer to set the funds aside and build up savings for predictable care.
It can be hard to get through on the phone, set aside a cup of coffee or tea and some crosswords for the hold period, but beyond that I've found their customer service very responsive.