I bought an ins thru our vet that covers most issues. The guy who signed us up was most helpful too. David, dmartin at petfirst dot com, seemed more of a doggie friend/banker than a sales person. I highly recommend him/them. I have more than one furbaby and he went out of his way to get me a family plan most reasonable to accomodate us.
UPDATE: although they were nice to join and cheap to have, they refused to pay out by saying everything that came up was a pre-existing condition, even if it could not possibly be... I cancelled all my policies and even David called me to apologize. They've sent me numerous emails beggin me to come back but WHY? just to support them for no reason? I don't think so ... when I told my Vet about this, they said others had encountered the same issues lately. Maybe they were good once upon a time but not now.