I have Healthy Paws for 3 of my dogs. I left another insurance because when my dog turned 10 they increased the premium by 60%! I called the State Attorney General. All pet insurance is like human insurance and must be reviewed. You can file a formal complaint to your State Attorney General.
Healthy Paws has denied my claim a few times. When I call and talk to someone there and explain my claim they have reversed the denial.