I am the owner of a very sweet & loving 6 year old dog who unfortunately likes to punish me when I leave her alone by getting into things she shouldn't - and has resulted in more than one overnight hospital stay.
I have had Healthy Paws pet insurance for about 3 years now and they have been great every (unfortunate!) time that I've needed to use them. Their app is very simple and easy to use; they are very prompt in their response times; and their reimbursements go direct to my bank account. I highly recommend them!