Several months ago, I was doing the same thing you are probably doing right now... researching pet insurance companies to find the best. I used different resources, one being Angie's List, to do my research. What I found is that hands down, Healthy Paws had the best reviews out of any of the companies.
So here I am 8 months later and I can now honestly say that I made the correct choice. About 2 months after signing up with Healthy Paws, our 3 year old Goldendoodle, Sadie, developed a small bump on the top of her nose and she would yelp anytime anyone would touch her nose. Well, 2 exploratory surgeries, 1 CT scan, numerous X-rays and several drugs later, the vets finally determined the cause of the bump and she is being treated with medication and should make a full recovery within a few weeks.
From start to finish, Healthy Paws was with us the entire way. They paid for everything they said they would. They never once questioned a single charge or Sadie's treatment. As long as she was being treated by a licensed vet, the treatment is and was entirely our choice. Bottom line, they were wonderful. Nearly $6,000.00 in vet bills would of severely impacted our finances for several years. Because of Healthy Paws, that bill was only in the ballpark of $700.00.