I have three cats insured with Healthy Paws, two of them are 4.5 and one is 2.5 years old.
I've had doubts about getting pet insurance at all at first, especially since I have a cat with a preexisting condition - epilepsy and I thought insurance wouldn't help much in his case. However, it did help when he had a mystery episode of hepatitis this March, unrelated to his other illnesses.
This review, however, regards one of my other cats, quite young and perfectly healthy, who just had a very scary fall (inside our home), so bad that he ruptured his bladder and needed major surgery. Fortunately, he's recovering well.
In both cases, Healthy Paws handled our insurance claims very quickly and did not hesitate to cover the quite significant bills, as per the policy. It does feel better after going through a scary episode like that and a huge bill (for surgery and hospitalization) to get most of your bill covered by insurance and the check just two-three days after the claim is processed.
All in all, I'm very happy with my choice in Healthy Paws. So far, customer service has been great, claims are being processed quickly and fairly.