We use 24 Hour Pet Watch for insurance. Hey, after spending over $3,000 for less than 24 hours at the vet when my Boxer got hit by a car and died later, we signed up for insurance! Although we were very lucky to have that kinda money, it was an expensive lesson to say the least.
I would not recommend Petplan. Had nothing but problems. Everything was preexisting even though I bought at 12 weeks as soon as I got Wilfred from the breeder.
I have trupanion and it has paid for itself several times over... I have heard here thou they will jack the premium after a year but I am not quite at a year yet.