I researched Pet Insurance a few years ago and found Healthy Paws to be the best so I purchased. No, having had my 2 cats and 2 dogs insured with them, it has become very clear why they are tops. First, when I bought insurance for my newly adopted lab mix who was a rescue, he had a resolving skin issue and a nasty ear infection. When I sent in all his medical paperwork initially, I was told he would have a 6 month period of time during which, if the dog had no skin issues, all skin related concerns would be covered. Read all the other reviews, I guarantee that if your dog had a skin issue that they would deny you any future skin claim regardless of the cause. Not Healthy Paws, in fact, my dog also had a nasty ear infection requiring multiple vet visits over 3 months. Initially when I purchased the policy, I was told he would have no ear coverage due to pre-existing coverage, but one phone call and a letter from my vet stating that the infection was one episode not "multiple chronic ones," and healthy paws put him on the same 6 month waiting period for claims. He has thankfully had no claims for almost 3 years and we know he is fully covered.
My 15 year old cat has had many claims in the past few years and everytime, they are acknowledged within a few hours and an EOB is in my email a few hours after the first email acknowledgment. Checks are received within a week reliably. Ensure your company pays for the full cost of your visits(not reasonable and customary as