While initially hesitant about pet insurance, we decided the risk just wasn't worth it when bringing home our new rescue pup at 3 months. Healthy Paws was recommended to us, so we began paying the $30/month around this time, assuming we would never use it.
Unfortunately, around 7 months, our pup began getting sick - and often. We hit the $250 HP deductible relatively quickly, where afterwards we began getting reimbursed 80% for all medical costs (minus the initial $100 vet fee each time). The process through Healthy Paws is quick, easy and consistent - one picture of your vet bill and within a week, we usually have a check in hand.
Our pup was eventually diagnosed with idiopathic epilepsy, where the number of tests ran us thousands of dollars. True to their policy, Healthy Paws covered 80% of everything, subsequently saving us thousands of dollars. Their customer service has also been great, and has generally made our challenging experience a significant amount easier.