I have done the research for you. I have tested this service time and time again. Do not look any further just sign up and do it right away! I am telling every pet owner I know about this insurance company and how wonderful they are.
I have 3 dogs and they are all insured with healthy paws. I cannot rave about this company enough. One of my dogs, Hailey, had a severe emergency and ended up having to have a kidney removed. Thankfully, because of Healthy Paws, cost was not an additional stressor in this horrible situation. They covered exactly what they said they would which was amazing as the surgery and related care was extremely expensive. Not only do they stand by their word, they work faster than I have ever experienced with any other service, for people or pets! I submitted a claim on a Monday - have responses by the next day - Tuesday night and the check within a few more days. On top of this, they send follow up emails to see how my dog is recuperating.
I wish my healthcare was this good!! :)
Seriously, they are the best out there.