The Link below is an excellent reference and compares the top 10 pet insurance sites.
I hope it will answer most of your questions and help you make a good decision.
Dr. Eberhardt.
http://www.consumersadvocate.org/pet-insurance/best-pet-insurance.html?matchtype=p&keyword=pet%20insurance%20companies&adpos=1t1&subid=google&gclid=CJur68KtlLgCFUQ6Qgodb2MAIw