Healthy Paws is my go-to for pet insurance. I've used them for pet insurance for more than 10 years. Right now, I actually have 2 accounts with them because an account is limited to 3 pets and I now have 4. The KEY to success with Healthy Paws is: 1) Know exactly what your policy covers and what it doesn't, and 2) Provide full medical records on your pet. One of my dogs just had extensive knee surgery. I started the claims process early with records for the initial exam and X-rays. Healthy Paws actually reached out to the surgeon themselves and obtained any other records and explanations. I had provided entire health records from my regular vet as well. I think they were trying to find out if the knee issue was a preexisting condition (it wasn't). Some policies don't cover certain preexisting conditions, so make sure you know whether your policy covers them. My dog had surgery only 3 weeks ago and I was paid back 80% minus my annual deductible by direct deposit within 2 weeks. Sweet!
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