I don't have any experience with filing claims yet, but I ended up going with Embrace. They were incredibly helpful and thorough and gave me my quote over the phone, as well as sent it to me via e-mail to go over. They offer lots of discounts, such as certain percentages off for microchipping, spaying/neutering, multiple pets, vet employee, or if it's offered as an employee benefit. I did the $10000/year, 10% copay, $200 deductible and have a discount for microchipping, and it's $29.45/month. It'll go down to about $26 (I think) once I have her spayed. You can also get dental and prescription coverage for about $10 more a month. There is a 14 day waiting period for illness and a 48 hour wait for injury once coverage is started. Preventive care isn't covered, but thank God that genetic conditions are. It can't hurt to call them and make your own opinion of them, but I just really liked them a lot. Petplan isn't offered in my state, so it wasn't an option for me, but that was my 2nd choice. Hope this helped a little. Good luck!!! If you have anymore questions about Embrace, just send me a message, and I'll try to help!
Jessica, mom to Ruby, 1 yr. old blenheim