We thoroughly researched all of the pet insurance companies and found Healthy Paws to be the best choice for us. The biggest selling points for us was that the deductible is annual (not per incident), and that the maximum payout is unlimited annually and lifetime. Like most pet parents, we took out insurance as we never wanted to have to choose between our dog’s health and finances.
We hoped we would never have to use it, but in the almost 5 months Dixie has been home with us, we have had to use it multiple times. She has had giardia, surgery to remove a baby tooth that broke off at the gumline, and 2 surgeries for what we thought was a puncture wound that ended up being a dermoid sinus tract that went thru and under her nasal bone. Quite a lot to go thru for a puppy who is only 6 ½ months old. All of her claims have been paid promptly with no questions asked (unlike human insurance which always seems to be a fight to get them to pay for anything).
Their customer service is outstanding. It was stressful enough watching her go thru all of these procedures, and it was nice not to have to worry about the financial end of it. It is such a nice touch that they followed up after her last major surgery to check on her. We recommend Healthy Paws to any of our friends who ask about insurance for their pets and we will only use them for our pets.