I've had my dog covered for a little over a year now and it's definitely worth at least looking into. It has been great for decreasing my vet bill costs, especially when my lil furry man needed meds to treat a skin problem. I have Trupanion and they have been really great thus far, especially since we filed 3 claims thus far and they don't have a payout limit and they cover 90% of medications, surgeries, diagnostic tests, accidents, and illnesses. Worth checking them out. I'm really happy with them.
There are a bunch of companies out there so just make sure you do your research on each one before you buy and make sure to read the policies. One thing that sold me on trupanion is that they only have one policy, some of the other companies have a lot and it gets confusing as to what is and isnt covered.
you should check out petinsurancereview.com for unbiased reviews on all the companies, I found that super helpful in my quest for doggy coverage, hehe. And here is another good comparison chart
Trupanion vs. VPI - Compare Pet Insurance Companies | Trupanion Pet Insurance
Hope that's helpful! Good luck!