I just have to say how incredibly grateful I am for Healthy Paws. We've had our two 6 year-old labs insured with them since they were 11 months old. One has been mostly no trouble (only one claim in 5 years); the other is a different story - starting from mere weeks after we were insured ($1,200) and up to this past week where we just had to treat him for a lung tumor at the young age of 6 (so far, $12,000 and we're looking at more treatment ahead for him, too).
For sure, as pet owners, we know we're likely going to out-live our pets; and I now know we will have a reduced life span with our guy because of the cancer, but the relief that comes along with not having to choose between their life or quality of treatment and money is indescribable.
Not to mention, they are super fast with reimbursement (one time, the check was on the way to me as I was on the way home from the vet), make it very easy to submit claims (app on my phone), have direct deposit into my checking account, and the customer service is impeccable.
If you do not have this pet insurance, get it now! (And no, they aren't paying me to say this - they are, however, paying for my pet to be healthy!)