We opted for Healthy Paws insurance after doing a fair amount of research online. We are so grateful that we chose Healthy Paws b/c after having the insurance for 4 months, our 7 month old Hound-mix (Maddy) had to go to the animal hospital for a severe GI bug/fever/diarrhea issue. When we took her to the vet, she was shaking uncontrollably and we didn't know what was wrong with her. She was kept overnight for IV fluids, antibiotics, X-rays, blood work, and stool samples.
$1550 later, we were concerned about how much money we would be reimbursed. My fiance's car had died the week before and we were trying to plan/pay for our wedding in 2 months. So Maddy's illness came at a horrible time.
Healthy Paws had a $1220 reimbursement check in the mail within a week!! It was an amazing relief.
My fiance & I recommend that you get the 90% coverage plan; it pays off when you might need it the most.
Maddy has made a full recovery and we will absolutely keep her insured with Healthy Paws for the rest of her life, as well as insure any other dog we might adopt in the future.